AnyCompany Insurance Pte Ltd is a Singapore-headquartered life and general insurer regulated by the Monetary Authority of Singapore (MAS). This guide summarizes our key products, coverage, and terms.
Last updated: January 2025 | Effective for policies issued from 1 January 2025
1. Life Insurance Products
AnyLife Term — Term Life Insurance
LifeTerm
Feature
Details
Coverage Period
5, 10, 15, 20, or 30 years (renewable up to age 85)
Sum Assured
SGD 50,000 – SGD 5,000,000
Entry Age
18 – 65 years (last birthday)
Annual Premium (indicative)
From SGD 180/year for SGD 200,000 coverage (non-smoker, age 30)
Death Benefit
100% of Sum Assured, paid as lump sum to nominated beneficiary
Total & Permanent Disability (TPD)
100% of Sum Assured (included at no extra cost up to age 70)
Terminal Illness
Accelerated death benefit — 100% paid upon diagnosis with life expectancy ≤ 12 months
Conversion Privilege
Convert to whole life or endowment plan without medical underwriting within first 5 years
Exclusions
Suicide within first 12 months; death due to participation in criminal activity
Free-Look Period
14 days from policy delivery
AnyLife Whole — Whole Life Insurance
LifeWhole Life
Feature
Details
Coverage Period
Lifetime (to age 99)
Sum Assured
SGD 100,000 – SGD 3,000,000
Premium Payment Term
15, 20, or 25 years (limited pay)
Entry Age
1 – 60 years (last birthday)
Cash Value
Guaranteed cash value from year 3; non-guaranteed bonuses from year 5
Surrender Value
Available after 3 years; surrender charges apply in first 10 years
Policy Loan
Up to 80% of surrender value at prevailing interest rate (currently 5.5% p.a.)
Death Benefit
Higher of: Sum Assured + accumulated bonuses, OR 101% of total premiums paid
Participating Fund
Yes — annual reversionary bonus + terminal bonus at maturity/claim
2. Health & Medical Insurance
AnyCare Shield — Integrated Shield Plan (IP)
HealthMediShield Life
Feature
Basic
Enhanced
Premier
Ward Class
B1
A (restructured)
Private hospital
Annual Claim Limit
SGD 150,000
SGD 500,000
SGD 1,500,000
Surgical Benefit (per surgery)
Up to SGD 3,000
Up to SGD 8,000
As charged
Daily Room & Board
SGD 250/day
SGD 500/day
As charged
ICU Benefit
SGD 500/day (max 30 days)
SGD 1,200/day (max 60 days)
As charged (max 120 days)
Pre-/Post-Hospitalization
90 days before / 90 days after
180 days before / 365 days after
180 days before / 365 days after
Deductible
SGD 3,500
SGD 3,500
SGD 3,500
Co-insurance
10%
10%
5%
Annual Premium (age 30)
SGD 380
SGD 620
SGD 1,180
MediSave Payable
Yes — up to Additional Withdrawal Limits
Yes
Yes (cash top-up required for Premier)
Note: All Integrated Shield Plans include MediShield Life as the base layer. Pre-existing conditions are subject to a 12-month waiting period. Cancer, kidney dialysis, and specified conditions have a 24-month waiting period for new policyholders.
25% of Sum Assured (max SGD 100,000) — does not reduce main benefit
Major Critical Illness Payout
100% of Sum Assured as lump sum
Multiple Claims
Up to 5 claims across different condition groups (cancer, heart, neurological, organ, others)
Cancer Relapse Benefit
Additional 100% payout if cancer recurs after 3-year cancer-free period
Survival Period
14 days from diagnosis (30 days for stroke)
Entry Age
16 – 65 years
Coverage Ceases
Age 85 or upon 5th claim, whichever is earlier
Annual Premium (age 35, non-smoker)
From SGD 1,200/year for SGD 200,000 coverage
37 Critical Illnesses include: Major cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure, major organ transplant, motor neurone disease, multiple sclerosis, Parkinson's disease, Alzheimer's disease, benign brain tumour, blindness, deafness, coma, and others as defined by the Life Insurance Association of Singapore (LIA).
3. General Insurance
AnyDrive — Motor Insurance
GeneralMotor
Feature
Third-Party Only
Third-Party, Fire & Theft
Comprehensive
Third-Party Bodily Injury
Unlimited
Unlimited
Unlimited
Third-Party Property Damage
SGD 500,000
SGD 500,000
SGD 500,000
Own Damage
Not covered
Fire & theft only
Full (market value)
Personal Accident (driver)
Not included
SGD 50,000
SGD 100,000
Windscreen
Not covered
Not covered
SGD 1,500 (no excess)
NCD (No-Claim Discount)
Up to 50%
Up to 50%
Up to 50%
Excess (own damage claim)
N/A
SGD 500
SGD 500 (SGD 3,000 if driver < 27 or < 2 years experience)
Annual Premium (indicative)
From SGD 600
From SGD 900
From SGD 1,400
AnyHome — Home Insurance
GeneralProperty
Feature
Details
Building Coverage
Up to SGD 1,500,000 (renovation + fixtures)
Contents Coverage
Up to SGD 150,000 (personal belongings, furniture, electronics)
SGD 500,000 (covers injury/damage to third parties in your home)
Temporary Accommodation
Up to SGD 15,000 if home is uninhabitable due to insured peril
Worldwide Personal Belongings
SGD 5,000 (loss/theft of personal items while travelling)
Domestic Helper Cover
Optional — SGD 30,000 personal accident + SGD 10,000 medical
Annual Premium
From SGD 168/year (HDB) | From SGD 280/year (Condo) | From SGD 450/year (Landed)
4. Claims Process
Step
Action
Timeline
1. Notification
Submit claim via AnyCompany app, website, or call centre (1800-ANY-LIFE)
Within 30 days of event
2. Documentation
Upload supporting documents (medical reports, receipts, police report if applicable)
Within 60 days of notification
3. Assessment
Claims assessor reviews documentation; may request additional information
5–10 business days
4. Decision
Approve, request more info, or decline with written explanation
Within 15 business days of complete documentation
5. Payment
Direct credit to policyholder's bank account
Within 5 business days of approval
Service Level Agreements:
Simple claims (outpatient, minor motor): 3–5 business days
Standard claims (hospitalization, property): 10–15 business days
Complex claims (critical illness, large motor, investigation required): 15–45 business days
Death claims: 15–30 business days (subject to coroner's report if applicable)
5. Underwriting Guidelines (Summary)
Risk Class
Criteria
Premium Loading
Preferred
Non-smoker, BMI 18.5–25, no pre-existing conditions, family history clear
None (standard rates)
Standard
Minor health conditions managed with medication, BMI 25–30
None to +25%
Substandard
Significant health conditions, BMI > 30, hazardous occupation/hobby
+25% to +200%
Decline
Terminal illness, uncontrolled conditions, high-risk activities without mitigation
Application declined
6. Key Regulatory Information
Regulator: Monetary Authority of Singapore (MAS)
License: AnyCompany Insurance Pte Ltd holds a direct life insurer license and a direct general insurer license under the Insurance Act 1966
Policy Owners' Protection Scheme: All life and health policies are protected under the PPF Life Fund (administered by SDIC) up to specified limits
Dispute Resolution: Financial Industry Disputes Resolution Centre (FIDReC) — free for claims up to SGD 100,000
Cooling-Off Period: 14 days free-look period for all life insurance policies from date of policy delivery
PDPA Compliance: Personal data collected is used solely for policy administration, claims processing, and regulatory reporting in accordance with the Personal Data Protection Act 2012
Anti-Money Laundering: AnyCompany complies with MAS Notice 314 on Prevention of Money Laundering and Countering the Financing of Terrorism
⚠️ Important Disclaimer
This document is for general information only and does not constitute an offer, recommendation, or solicitation. The actual terms and conditions of each product are set out in the respective policy contracts. AnyCompany Insurance Pte Ltd reserves the right to modify product features, premiums, and terms. All data in this document is synthetic and for workshop demonstration purposes only. AnyCompany Insurance is a fictional company used for educational purposes.