Terms of Use
Legal Agreement
These Terms of Use constitute a legally binding agreement between you and Health Insurance Singapore. By accessing or using our website (healthinsurance.com.sg), you agree to be bound by these terms. Please read them carefully before using our services.
Last Updated: January 1, 2025
These terms have been updated to comply with Singapore's latest insurance regulations and digital services requirements.
1. About Health Insurance Singapore
What We Do
Health Insurance Singapore operates as an independent comparison platform that helps Singapore residents and foreigners find and compare health insurance options. We are an authorized referral agent working with MAS-licensed insurance providers and intermediaries.
What We Are NOT
- An insurance company or underwriter
- A licensed financial adviser (we do not provide financial advice)
- A registered insurance broker (though we work with licensed brokers)
- A subsidiary of any insurance company
Our Registration and Compliance
- Registered business entity in Singapore (UEN: [To be inserted])
- Compliant with MAS regulations for referral agents
- PDPA-compliant data handling practices
- Member of relevant industry associations
2. Our Services
Free Comparison Services
- Health Insurance Comparison: Compare Integrated Shield Plans, MediShield Life supplements, and private health insurance
- Quote Generation: Provide personalized quotes based on your profile and preferences
- Provider Matching: Connect you with suitable MAS-licensed insurance providers and intermediaries
- Educational Content: Comprehensive guides about Singapore's health insurance landscape
- Customer Support: Assistance throughout the comparison and application process
Specialized Services
For Singapore Citizens & PRs
- Integrated Shield Plan comparisons
- MediShield Life rider options
- Medisave usage optimization
- Family coverage planning
For Foreigners & Expats
- Private health insurance plans
- International coverage options
- Work pass holder requirements
- Temporary visitor coverage
3. Important Disclaimers
No Financial Advice
The information, comparisons, and content on this website are for informational purposes only and do not constitute financial advice, insurance advice, or personalized recommendations. We do not provide advice on the suitability of any insurance product for your specific circumstances.
Independent Decision Making
You should make your own independent assessment of any insurance product and consider seeking advice from a licensed financial adviser before making any insurance decisions. We strongly recommend reading all policy documents and understanding terms and conditions before purchasing any insurance.
Quote Accuracy
While we strive for accuracy, quotes displayed are indicative only and subject to final underwriting by insurance providers. Actual premiums may differ based on detailed assessment and medical underwriting.
4. User Responsibilities and Acceptable Use
Eligibility Requirements
By using this service, you represent and warrant that:
- You are at least 18 years old (or 21 for certain insurance products)
- You have legal capacity to enter into binding agreements
- You are legally present in Singapore or eligible for Singapore insurance products
- All information you provide is accurate, current, and complete
Prohibited Uses
You may not use our platform to:
Technical Violations
- Hack, interfere with, or damage our systems
- Use automated tools to scrape data
- Upload viruses or malicious code
- Attempt unauthorized access
Content Violations
- Submit false or misleading information
- Impersonate others or create fake accounts
- Spam or abuse our communication channels
- Violate intellectual property rights
Data Accuracy Requirements
Critical: Providing inaccurate information may result in:
- Incorrect quotes and recommendations
- Policy cancellation or claim rejection
- Legal consequences for insurance fraud
- Suspension from our services
5. How We Make Money & Partner Relationships
Revenue Model Transparency
Our service is free for users. We generate revenue through:
- Referral Commissions: Insurance providers pay us when you successfully purchase a policy through our platform
- Lead Generation Fees: Some partners pay for qualified leads regardless of conversion
- Advertising Revenue: Limited sponsored content clearly marked as advertisements
- Data Insights: Anonymized market research (no personal data sold)
These arrangements do NOT affect the premiums you pay - prices are set by insurance providers.
Partner Selection Criteria
We only work with partners who meet strict criteria:
- Licensed by MAS (Monetary Authority of Singapore)
- Strong financial ratings (minimum B+ from recognized rating agencies)
- Proven track record of fair claims handling
- Transparent pricing and policy terms
- Compliance with Singapore insurance regulations
Ranking and Display
Our product rankings and displays may be influenced by commercial arrangements, but we clearly indicate sponsored content and maintain editorial independence in our educational content.
6. Third-Party Relationships
Insurance Provider Responsibilities
Once we connect you with an insurance provider or broker, any subsequent relationship, agreement, or transaction is directly between you and that third party. We are not responsible for:
- Policy terms, conditions, or exclusions
- Premium pricing or payment processing
- Claims handling or dispute resolution
- Provider customer service quality
- Changes to coverage or policy cancellations
Quality Assurance
While we carefully vet our partners, we encourage you to:
- Verify provider licenses at MAS eServices
- Read all policy documents thoroughly
- Understand exclusions and waiting periods
- Compare multiple quotes before deciding
- Report any issues to us and relevant authorities
7. Data Protection and Privacy
PDPA Compliance
We are committed to protecting your personal data in accordance with Singapore's Personal Data Protection Act (PDPA). Key aspects of our data handling:
- Obtain proper consent before collecting personal data
- Use data only for stated purposes
- Implement appropriate security measures
- Provide access and correction rights
- Report data breaches as required by law
For complete details, please read our Privacy Policy , which forms part of these Terms of Use.
Data Sharing with Partners
When you request quotes, we share your information with selected insurance providers and brokers to facilitate the quotation process. This sharing is based on your consent and is necessary to provide our services.
8. Intellectual Property
Our Content
All content on this website, including text, graphics, logos, images, software, and database compilations, is owned by Health Insurance Singapore or our licensors and is protected by Singapore and international copyright laws.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not:
- Reproduce, distribute, or publicly display our content without permission
- Create derivative works based on our content
- Use our content for commercial purposes
- Remove copyright or proprietary notices
Third-Party Content
Insurance provider logos, product names, and related materials are trademarks of their respective owners. Use of these materials is for identification purposes only and does not imply endorsement.
9. Limitation of Liability
Service Availability
We strive to maintain continuous service but cannot guarantee uninterrupted access. Our platform may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.
Exclusions
To the fullest extent permitted by Singapore law, Health Insurance Singapore, its officers, employees, agents, and affiliates shall not be liable for:
Direct Damages
- Inaccurate quotes or information
- Service interruptions or delays
- Data loss or corruption
- Technical malfunctions
Indirect Damages
- Lost profits or opportunities
- Business interruption
- Consequential damages
- Third-party actions
Maximum Liability
In any event, our total liability to you for all claims arising from your use of our services shall not exceed S$100 or the amount of referral commission we received related to your case, whichever is lower.
10. Indemnification
You agree to indemnify and hold harmless Health Insurance Singapore and our affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:
- Your use of our services in violation of these Terms
- Your provision of inaccurate or misleading information
- Your violation of any law or regulation
- Your violation of any third-party rights
- Your insurance-related decisions based on information from our platform
11. Governing Law and Dispute Resolution
Applicable Law
These Terms of Use are governed by and construed in accordance with the laws of Singapore. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the Singapore courts.
Dispute Resolution Process
Step 1: Direct Resolution
Contact our customer service team first. Many issues can be resolved quickly through direct communication.
Step 2: Mediation
If direct resolution fails, we encourage mediation through the Singapore Mediation Centre before pursuing litigation.
Step 3: Court Proceedings
As a last resort, disputes may be brought before the appropriate Singapore courts.
Insurance-Related Disputes
For disputes with insurance providers or brokers, you may also contact the Financial Industry Disputes Resolution Centre (FIDReC) at www.fidrec.com.sg
12. Termination
Your Right to Terminate
You may stop using our services at any time. To fully terminate your account and delete your data, please contact us at privacy@healthinsurance.com.sg.
Our Right to Terminate
We may suspend or terminate your access to our services immediately if you:
- Violate these Terms of Use
- Provide false or misleading information
- Engage in fraudulent activity
- Abuse our systems or harass our staff
- Violate applicable laws or regulations
Effect of Termination
Upon termination, your right to use our services ceases immediately. However, data retention obligations may require us to keep certain information as outlined in our Privacy Policy.
13. Changes to These Terms
Notification Process
We reserve the right to modify these Terms of Use at any time. Material changes will be communicated through:
- Email notification to registered users (at least 30 days advance notice)
- Prominent website banner for 30 days
- Updated "Last Modified" date at the top of these terms
Your Options
If you don't agree with updated terms, you may terminate your use of our services before the changes take effect. Continued use after the effective date constitutes acceptance of the new terms.
14. Contact Information
General Inquiries
Email: help@healthinsurance.com.sg
Phone: +65 6123 4567
Hours: Mon-Fri 9AM-6PM SGT
Legal & Compliance
Email: legal@healthinsurance.com.sg
Privacy: privacy@healthinsurance.com.sg
Response: Within 5 business days
Business Address
Health Insurance Singapore Pte Ltd
1 Raffles Place, #20-61
One Raffles Place
Singapore 048616
15. Miscellaneous
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.
Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Health Insurance Singapore regarding your use of our services.
Assignment
You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms at any time.
Document Information
Version: 2.1
Last Updated: January 1, 2025
Effective Date: January 1, 2025
Next Review: July 1, 2025