Benefits
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Plan A
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Plan B
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Plan C
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Please note: benefit values are per person each year unless otherwise specified and are reduced each time you claim only by the net amount (less any deductible, excess or co-insurance) we have actually paid. Please refer to the policy schedule for details on annual deductible applicable to your plan. |
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Area of Cover
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You can choose from 3 areas of cover: 1) Worldwide; 2) Worldwide excluding USA1 & 3) Asia2 |
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Yearly maximum up to |
SG$4,000,000 / US$2,900,000 |
SG$3,000,000 / US$2,300,000 |
SG$2,400,000 / US$1,800,000 |
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Outside area of cover |
Worldwide Cover ensures you are never outside of your area of cover. If you choose Worldwide excluding USA1 or Asia2 Cover, we do still provide cover for Emergency Treatment. |
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Level of reimbursement |
Reasonable and customary (R & C) charges |
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In-patient and daycare treatment (Including surgery, consultations, organ transplants, consumables, surgical implants, etc.) |
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Daily accommodation charges |
Included (single en-suite room) |
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Parent accommodation up to |
SG$200 / US$150 per night |
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Cash benefit |
SG$300 / US$230 per night |
SG$200 / US$150 per night |
SG$140 / US$100 per night |
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In-patient direct billing |
Included |
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Applicable in-patient direct billing network |
International directory of hospitals
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Level of cover |
100% of reasonable and customary (R&C) charges in the international directory of hospitals |
Out-patient treatment
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General Practitioner and Specialist consultation charges (including diagnostics, precribed drugs, dressings, etc.) |
Included |
No benefit |
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Radiotheraphy, chemotherapy, computerized tomography, magnetic resonance imaging, positron emission tomography, x-rays and gait scans |
Included |
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Surgical procedures received as an outpatient |
Included |
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Courses of chiropractic treatment, acupuncture, homeopathy and osteopathy up to |
SG$1,600 / US$1,150 |
No benefit |
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Traditional Chinese medicine up to |
SG$75 / US$60 per visit
Up to 20 visits per year |
No benefit |
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Courses of physiotherapy |
Included |
No benefit |
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Other benefits |
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Health screen up to
(Annual Deductible does not apply to this benefit)
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SG$1,350 / US$1,000
Available only after 12 months membership
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No benefit |
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Pre-existing conditions up to |
SG$6,000 / US$4,600 |
No benefit |
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Maintenance of non pre-existing chronic conditions |
Included |
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Oral and maxillofacial surgery |
Included |
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Ambulance transport |
Included |
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International Emergency Medical Assistance
(Annual Deductible does not apply to this benefit)
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Included |
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Psychiatric treatment up to |
SG$10,000 / US$7,600
Up to to 100 days lifetime limit for in-patient treatment
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SG$6,000 / US$4,600
Up to to 100 days lifetime limit for in-patient treatment
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SG$4,400 / US$3,200
Up to to 100 days lifetime limit for in-patient treatment
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Accidental damage to teeth |
Included |
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Pre and post-natal complications |
Included - available only after 12 months membership |
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New born accommodation |
Included |
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Pregnancy and delivery up to
(Annual Deductible does not apply to this benefit)
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SG$19,000 / US$13,800
Available only after 12 months membership
(waiting period can be waived with extra premium)
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No benefit
(an option to include with extra premium)
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Vaccination up to |
SG$2,000 / US$1,500 |
SG$1,600 / US$1,200 |
No benefit |
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Routine dental care up to
(Annual Deductible does not apply to this benefit)
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80% of eligible expenses incurred up to SG$1,600 / US$1,200 |
No benefit
(an option to include with extra premium)
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Routine optical care up to
(Annual Deductible does not apply to this benefit)
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SG$380 / US$280 |
No benefit
(an option to include with extra premium)
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Hospice and palliative care up to |
SG$52,000 / US$38,000 in a member's lifetime
Available only after 12 months membership |
SG$40,000 / US$30,000 in a member's lifetime
Available only after 12 months membership |
No benefit |
