Member services

What the portal offers

The portal brings together the core financial and welfare services JCOS members rely on — with more to come over time.

View all active and historical loans; track outstanding balance, monthly repayment schedule, next payment due date, and repayment history.

Apply online with purpose, amount, repayment period and supporting documents. Track status from submission through review to approval.

View your savings balance with a transaction history timeline, track shares held and portfolio value, and download statements.

View your annual JCOS medical insurance allocation and current utilisation, with a breakdown by beneficiary and category.

Submit refund claims for eligible out-of-pocket medical expenses, upload receipts, and track claim status and payment history.

Receive broadcast messages from JCOS — announcements, policy updates, reminders and notices — in a clear inbox.

Raise issues, queries or complaints. Each submission gets a reference number you can track to resolution within the portal.