Income publishes a group health declaration form alongside its application documents. Whether a particular employee must complete it depends on the requested cover and underwriting requirements.
Use the insurer’s questions and instructions. Ask for clarification where a question is unclear; HR should not answer an employee’s medical questions on their behalf.
Send sensitive health information through the agreed secure process. Track whether underwriting is outstanding without putting diagnoses into a general employee planning file.
Sources
- Income Insurance: Employees FlexCare (group insurance for employees)
Reviewed 23 October 2026 · Source details
- Personal Data Protection Commission (Singapore): Advisory Guidelines on the PDPA for Selected Topics
Chapter 6: Employment
Reviewed 23 October 2026 · Source details