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Giving you as much as S$1 million in valuable medical cover, Group SmartCare Optimum gives you unparralled assurance in the best health care money can buy.
Most policies set limits on how much you can claim, but Group SmartCare Optimum is an as-charged plan that pays you in FULL for your Hospital Room & Board, ICU charges, Surgeon’s fees and Hospital Miscellaneous Services. In addition, Group SmartCare Optimum also reimburses any deductions made from your MediSave and MediShield accounts.
Value for your money
Making every dollar work for you, Group SmartCare Optimum also includes coverage for organ transplants, kidney dialysis, outpatient cancer treatment, dread disease recuperation benefit and accidental dental treatment.
Works in Singapore and even overseas
Whether you are hospitalised in Singapore or while travelling overseas*, for a period not exceeding 90 days, Group SmartCare Optimum assists you:
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with referrals and hospital admission
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with payment of medical bills
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by keeping your family updated on your progress in hospital
Flexibility to suit your needs
With a choice of 4 comprehensive plans, you have the flexibility of picking the plans that best suits your needs and budget.
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If you travel overseas expressly for treatment, medical bills are subjected to Singapore General Hospital rates.
See how Group SmartCare Optimum works for you
Example:
A patient undergoes an appendicitis operation and stays in hospital for 5 days, of which 2 days in ICU. It clearly shows that Group SmartCare Optimum fully covers him for the total hospitalisation expenses whilst a regular sub-limit plan leaves him with excess expenses to be covered on his own. which can be substantial with the high medical cost today.
|
Benefits |
Hospital Room & Board |
Regular Sub-limit plan HRB@$ 150 |
Deluxe SmartCare Optimum Single Bedded |
|
Hospital Room & Board |
516 |
450 |
516 |
|
ICU Charges |
688 |
600 |
688 |
|
Hospital Miscellaneous Services |
2850 |
2250 |
2850 |
|
Surgeon’s fee |
1500 |
1500 |
1500 |
|
Anaesthetist Charge |
450 |
375 |
450 |
|
Post Hospital Treatment |
450 |
450 |
450 |
|
Incurred/Total payable |
6454 |
5625 |
6454 |
|
Shortfall |
|
829 |
Nil |
Note: All figures in S$
Benefits at a Glance (S$)
|
Benefits |
Elite |
Deluxe |
Classic |
Basic |
|
Annual Policy Limit per person |
1,000,000 |
500,000 |
200,000 |
100,000 |
|
Daily Hospital Room & Board (Bed Type) |
Single |
Single |
Single |
Two |
|
Intensive Care Unit |
As charged |
As charged |
As charged |
As charged |
|
Hospital Miscellaneous Expenses |
As charged |
As charged |
As charged |
As charged |
|
Surgeon’s Fees |
As charged |
As charged |
As charged |
As charged |
|
Anesthetist’s Fee |
As charged |
As charged |
As charged |
As charged |
|
In-Hospital Physician's Visit |
As charged |
As charged |
As charged |
As charged |
|
Pre-Hospitalisation/Surgery Specialist's Consultant (Up to 30 days before admission) |
As charged |
As charged |
As charged |
As charged |
|
Pre-Hospitalisation/Surgery Diagnostic Services (Up to 30 days before admission) |
As charged |
As charged |
As charged |
As charged |
|
Post Hospitalisation/Surgery Treatment (Up to 60 days) |
As charged |
As charged |
As charged |
As charged |
|
Emergency Out-patient Treatment (due to accident) |
As charged |
As charged |
As charged |
As charged |
|
Parent Accommodation as Companion for Child below age 12 (Up to 60 days per year) |
As charged |
As charged |
As charged |
As charged |
|
Home Nursing (Up to 26 weeks) |
As charged |
As charged |
NA |
NA |
|
Outpatient Kidney dialysis |
100,000 |
75,000 |
50,000 |
25,000 |
|
Outpatient Cancer Treatment |
100,000 |
75,000 |
50,000 |
25,000 |
|
Outpatient Dental Treatment (due to accident) |
8,000 |
5,000 |
2,000 |
2,000 |
Organ Transplant
(Bone marrow, Heart, Kidney, Liver, Lung)
|
250,000 |
150,000 |
100,000 |
100,000
|
|
Prosthesis benefit |
8,000 |
5,000 |
NA |
NA |
Dread Disease Recuperation Benefit
(Coronary Artery By-Pass Surgery, Heart Attack, Cancer, Stroke)
|
5,000 |
4,000 |
3,000 |
NA |
|
Miscarriage due to accident |
1,000 |
1,000 |
1,000 |
1,000 |
|
Special Grant |
3,000 |
3,000 |
3,000 |
3,000 |
|
Emergency Medical Evacuation/ Repatriation* |
Unlimited |
|
Repatriation of Mortal Remains or Local Burial* |
Unlimited |
The above benefits are not subject to annual policy limits.
Eligibility
Persons must satisfy the following to be eligible:
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Adults from 18 to 65 year old (inclusive). Policy renewable up to age 72 subject to yearly review.
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Children from 15 days old to 18 years old (inclusive). Policy renewable up to age 25 (inclusive) if he/she is enrolled in an educational institution on full-time higher education, (and not in full-time national service). Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Holders.
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Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore.
What's Not Covered
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Cancer, Coronary Artery By-Pass Surgery and Heart Attack under Dread Disease Recuperation Benefit within the first 90 days of cover.
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Pre-existing conditions which refers to an injury or illness which existed prior to the effective date of cover.
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Any loss by terrorist acts using chemical/biological substances.
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Other standard exclusions, eg. congenital conditions, suicide, pregnancy, routine physical examinations.
For a detail list of the exclusions, please refer to the Policy document.
Policy Wording
Click to read / download our Group SmartCare Optimum Policy Wording.
Enrol Today!
Insure the smart way. Enrol with Group SmartCare Optimum. For more information, contact our agency, broker or direct servicing team. For direct customers, please complete the Group Insurance Fact Find Form and fax to us at 6880 4740 if you wish to obtain a quote.
Alternatively, you can call our Customer Service Hotline at 1800-880 4741, or email us at newenquiry@axa.com.sg.
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