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Ready-made plan to suit your needs
Ideal for small organisations, SmartCare Entrepreneur - SME Made Easy is a Group Healthcare insurance which offers a selection of coverage. Simply choose the plan that fits your corporate needs and budget - we will handle the rest for you and most important of all, you don’t have to be a Multinational Corporation to enjoy the quality of healthcare insurance.
Six basic plans offering different levels of coverage and types of hospitals to choose from
Plan 1: As charged up to annual limit in any private hospital
Plans 2 – 4: As charged up to Per Disability Limit in any private hospital
Plans 5 – 6: As Charged up to Per Disability Limit in any government / restructured hospital
Renewable up to 80 years old & Group discount
We welcome new applicants of age up to 65 years old and renewable up to 80 years old. Premium is based on individual age. What’s more, premium is discounted for group size of 5 employees and above!
No medical check-up. No underwriting requirements. No waiting period#.
Enjoy a hassle-free application with no check-ups required! And if you are currently insured with another insurer, you are welcome to switch over anytime without any additional underwriting requirements being imposed.
Three supplementary options
To meet your corporate needs and budget, you can also top up your basic coverage with the following Supplementary Options:
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Group Major Medical
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Group Outpatient – General Practitioner
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Group Outpatient – Specialist
Complement your employees’ health insurance coverage with a Personal Accident plan
Attractive premium rates offered to your company as long as your employees are also covered under the SmartCare Entrepreneur - SME Made Easy policy. This policy compensates the insured person for bodily injuries caused by an accident which results in Death or Permanent Disablement. Refer to the insert for more information.
Brochure & Insert
# 30 days waiting period waived
Basic Cover
|
Choice of Benefits |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
|
|
Annual Policy Limit (applicable to all benefits except items marked *) |
$250,000 |
Not Applicable |
Not Applicable |
|
|
Type of Hospital |
Private |
Private |
Government/ Restructured |
|
Hospital and Surgical Benefits (S$) |
|
1 |
Room & Board (standard) |
1 Bedded |
1 Bedded |
2 Bedded |
4 Bedded |
1 Bedded |
4 Bedded |
|
2 |
ICU/CCU/HDU (per disability) |
As Charged
|
$10,000 |
$10,000 |
$10,000 |
$10,000 |
$10,000 |
|
3 |
Hospital Miscellaneous Services |
$20,000 per disability
|
$15,000 per disability
|
$10,000 per disability
|
$20,000 per disability
|
$10,000 per disability
|
|
4 |
Surgical Fees (Subject to Surgical Table for Private Hospital)^ |
|
5 |
Anesthetist's Fee |
|
6 |
In-Hospital Physician’s Fees |
|
7 |
Ambulance Services |
|
8 |
Pre-Hospitalisation / Surgery Specialist’s
Consultation (Up to 90 days before hospitalisation / surgery)
|
$2,000
|
$1,500
|
$1,000
|
$2,000
|
$1,000
|
|
9 |
Pre-Hospitalisation / Surgery Diagnostic Services
(Up to 90 days before surgery)
|
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10 |
Post-Hospitalisation / Surgery Treatment (Up to 90 days) |
|
11 |
Claim Medical Report Fees |
$100 |
$100 |
$100 |
$100 |
$100 |
|
Other Services / Benefits (S$) |
|
1 |
Accidental Miscarriage/Abortion due to Medical Reason/Ectopic Pregnancy |
$3,000
|
$1,000
|
$1,000
|
$1,000
|
$1,000
|
$1,000
|
|
2 |
Emergency Outpatient Treatment (due to accident only) |
As Charged |
$2,000
|
$1,500
|
$1,000
|
$2,000
|
$1,000
|
|
3 |
Emergency Outpatient Dental Treatment (due to accident) |
$5,000
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$2,000
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$1,500
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$1,000
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$2,000
|
$1,000
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4 |
Surgical Implants |
$5,000 |
$2,000 |
$1,500 |
$1,000 |
$2,000 |
$1,000 |
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5 |
Out-patient Kidney Dialysis (Max per year) |
$75,000 |
$20,000 |
$15,000
|
$10,000 |
$20,000 |
$10,000 |
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6 |
Out-patient Cancer Treatment (Max per year) |
$75,000 |
$20,000 |
$15,000 |
$10,000 |
$20,000 |
$10,000 |
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7 |
Special Grant |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
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8 |
Daily Recovery Benefit (after 7 days of hospitalization, up to 30 days) |
$150
|
Not Applicable
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Not Applicable
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9 |
Dread Disease Recuperation Benefit
(Multiple Sclerosis, Heart Attack, Cancer & Stroke) + |
$10,000
|
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10 |
Parent Accommodation (up to 60 days per year for child below age 12) |
As Charged |
|
11 |
Home Nursing (up to 26 weeks) |
As Charged |
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12 |
Emergency Medical Evacuation/Repatriation * |
Unlimited |
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13 |
Repatriation of Mortal Remains or Local Burial * |
Unlimited
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* The above benefits are not subject to annual policy limits.
^ Plan 1 is not subject to Surgical Table
+ Dread Disease Recuperation benefit is subject to a waiting period of 90 days.
Options
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Option 1 - Group Major Medical
If you wish to top up the in-patient limits of your SmartCare Entrepreneur - SME Made Easy basic plan and offer your employees peace of mind, Group Major Medical Option will be your perfect choice among the options.
|
Option 1 - Group Major Medical |
Plan A |
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In-Patient Limits per disability per year |
$80,000 |
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Co-Insurance by Employee for Major Medical Benefits |
Nil |
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Option 2 - Group Out-patient: General Practitioner (GP)
To offer your employees an extra layer of protection, add Group Out-patient: General Practitioner (GP) Option on your basic plan today.
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Option 2 - Group Out-patient: General Practitioner (GP) |
Plan A |
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Annual Limit Per Person (Panel clinics) |
Unlimited |
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X-Ray and Laboratory Care (referred by Panel clinic) |
As Charged |
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Visit to Polyclinic (include X-Ray & Laboratory Care referred by Polyclinic) |
As Charged |
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$ Limit per visit to Panel clinics |
As Charged |
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$ Limit per visit to A&E Departments |
$70 |
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$ Limit per visit to Non-Panel Clinics (max 2 visits per year) |
$30 |
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$ Limit per visit for Overseas Outpatient Treatment |
$30 |
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Number of visits per year per insured (Panel clinics) |
Unlimited |
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Co-payment per claim (applicable to all benefits) |
$20 |
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Option 3 - Group Out-patient: Specialist Care
Talents are invaluable assets to any company. Foster strong staff loyalty and provide them with a comprehensive coverage with Group Out-patient: Specialist Care Option (SP).
Option 3 - Group Out-patient: Specialist Care Option (SP)
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Plan A |
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Overall Annual Limit (Specialist care to be referred by a GP) |
$1,500 |
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Outpatient Specialist Consultation |
As Charged |
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Outpatient Diagnostic Scan, X-Ray, & Laboratory Test |
As Charged |
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Physiotherapy (referred by SP) |
As Charged |
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Co-payment per claim (applicable to all benefits) |
$30 |
Annual Premium for Basic Cover
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Group Size: 3-4 Employees |
Age
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
|
0-30 |
542.96 |
332.01 |
262.24 |
209.06 |
260.41 |
173.20 |
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31-40 |
653.82
|
421.59 |
299.07 |
248.38 |
306.82 |
199.74 |
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41-45 |
764.54 |
466.89 |
368.11 |
265.53 |
373.51 |
238.45 |
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46-50 |
973.41 |
653.09 |
478.11 |
381.85 |
425.09 |
269.42 |
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51-55 |
1,138.09 |
801.82 |
616.92 |
527.40 |
554.24 |
426.24 |
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56-60 |
1,439.43 |
980.64 |
854.70 |
682.87 |
823.73 |
553.84 |
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61-65 |
1,976.05 |
1,377.66 |
1,057.42 |
941.41 |
1,089.81 |
792.76 |
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66-70 |
2,511.14 |
1,973.17 |
1,579.81 |
1,322.54 |
1,576.17 |
1,143.74 |
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71-75 |
3,163.60 |
2,491.21 |
2,074.33 |
1,657.47 |
2,057.66 |
1,440.70 |
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76-80 |
4,497.53 |
3,643.04 |
2,908.07 |
2,407.83 |
2,866.38 |
2,007.64 |
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Group Size: 5-9 Employees |
Age
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
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0-30 |
505.07 |
308.84 |
243.93 |
194.47 |
242.23 |
161.11 |
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31-40 |
608.18
|
392.17 |
278.19 |
231.04 |
285.41 |
185.80 |
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41-45 |
711.18 |
434.31 |
342.44 |
247.00 |
347.43 |
221.82 |
|
46-50 |
905.47 |
607.51 |
444.74 |
355.20 |
395.42 |
250.62 |
|
51-55 |
1,058.66 |
745.85 |
573.87 |
490.60 |
515.55 |
396.49 |
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56-60 |
1,338.96 |
912.19 |
795.05 |
635.21 |
766.24 |
515.19 |
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61-65 |
1,838.13 |
1,281.49 |
983.61 |
875.70 |
1,013.74 |
737.44 |
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66-70 |
2,335.86 |
1,835.44 |
1,469.54 |
1,230.24 |
1,466.15 |
1,063.91 |
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71-75 |
2,942.78 |
2,317.31 |
1,929.55 |
1,541.79 |
1,914.04 |
1,340.15 |
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76-80 |
4,183.61 |
3,388.75 |
2,705.09 |
2,239.77 |
2,666.32 |
1,867.51 |
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Group Size: 10 employees and above |
Age
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
|
0-30 |
467.17 |
285.66 |
225.64 |
179.87 |
224.06 |
149.02 |
|
31-40 |
562.55 |
362.75 |
257.32 |
213.71 |
263.98 |
171.86 |
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41-45 |
657.81 |
401.73 |
316.72 |
228.47 |
321.37 |
205.17 |
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46-50 |
837.53 |
561.92 |
411.37 |
328.55 |
365.75 |
231.81 |
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51-55 |
979.23 |
689.89 |
530.80 |
453.78 |
476.87 |
366.75 |
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56-60 |
1,238.49 |
843.74 |
735.39 |
587.55 |
708.74 |
476.53 |
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61-65 |
1,700.20 |
1,185.33 |
909.80 |
809.99 |
937.68 |
682.10 |
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66-70 |
2,160.58 |
1,697.72 |
1,359.28 |
1,137.92 |
1,356.13 |
984.07 |
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71-75 |
2,721.96 |
2,143.43 |
1,784.76 |
1,426.09 |
1,770.42 |
1,239.59 |
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76-80 |
3,869.68 |
3,134.46 |
2,502.10 |
2,071.71 |
2,466.24 |
1,727.38 |
Annual Premium Rates for Supplementary Options
Supplementary Options
|
Annual Premium for each insured member
|
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Group Major Medical |
$65.00 |
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Group Outpatient - General Practitioner (GP) |
$125.00 |
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Group Outpatient - Specialist Care (SP) |
$125.00 |
Note for premium tables:
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Premium is quoted in Singapore Dollar and is inclusive of GST
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All ages, if applicable, refer to attained age
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Rates are subject to change without prior notice
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Maximum entry age is 65 years
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Age 66 years to 80 years for policy renewal only
Eligibility
Cover under this policy shall be subject to the fulfillment of all of the following eligibility requirements by the Insured Persons:
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Your employee and your employee’s spouse are from 18 years to 65 years old (renewable up to 80 years old) and who is a Resident of Singapore;
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Your employee’s child is from 15 days to 18 years old (renewable up to 25 years old provided they are unmarried, unemployed and full-time students) who is a Resident of Singapore.
Resident of Singapore refers to Singapore Citizens and Permanent Residents (holders of re-entry permits) as well as holders of employment passes, work permits, students’ passes or dependant’s passes.
Exclusions
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Pre-existing conditions are covered after a waiting period of 12 months under your SME Made Easy policy, except for the specific illnesses listed (provided you renew the policy).
Specific illnesses refers to Heart Disease, Renal Failure, Cancer and Diabetes.
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Outpatient Kidney Dialysis and Cancer Treatment benefits arising from conditions being a pre-existing condition are permanently excluded under this policy notwithstanding the provision of benefits for other pre-existing conditions.
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No benefits will be payable under Dread Disease Recuperation Section for Cancer, Stroke, Heart Attack and Multiple Sclerosis which arises within ninety (90) days from the commencement date of the Policy or from the time an Insured Person is first covered under the Policy.
Click to read / download our SmartCare Entrepreneur Policy Wording.
Easy Enrollment
No hassle of going through medical examinations or completion of Health Declaration Forms/Group Fact Find Form is required. Only a simple enrolment form and you will receive immediate coverage upon our approval.
For more information, contact our agency, broker or direct servicing team. Alternatively, you can call our Customer Service Hotline at 1800-880 4741, or email us at newenquiry@axa.com.sg.
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