NTUC GIFT is a group insurance policy exclusively for members of NTUC affiliated unions and association. All union members who are below 65 years old are automatically covered against death, total/partial and permanent disability of up to $40,000. Union leaders are eligible for double the sum assured. Union members’ spouses below 65 years old are also covered against death, total/partial and permanent disability. Eligible members aged 65 years and above can opt for extension of coverage with payment of a token fee.