Key Benefits

From headcounts as low as 2 employees, enjoy EZCare’s hassle-free plans which provide access to the best health care services for your employees. Our plans are easy to understand and administer, making the process a breeze for both you and your employees. Its modular structure covers the basic medical needs of most employees and offers flexibility to provide the most comprehensive cover needed.

1

Get An Instant Quote

By referring to our table rates

2

Maximum Convenience

Skip the hassle of completing multiple forms

3

Mobile Claims

Outpatient claims may be submitted through our mobile application and online web portal

4

No Surgical Sub-Limits Or Tables

5

Concierge Services

For specialist consultations and inpatient procedures

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Find A Plan That Meets Your Needs

Description of Benefits
(Hospitalization and Surgery)
Plan 1 Plan 2 Plan 3 Plan 4
Annual Overall Limit
(Max. amount per person per policy year)
S$300,000 Not Applicable Not Applicable Not Applicable

Room & Board Eligibility

Standard 1 Bed Private Hospital 1 Bed Restructured Hospital Shared Room Private Hospital Shared Room Restructured Hospital

Room & Board Charges

Intensive Care Unit

In Hospital Physician’s Visit Fee

Day Surgery
(include minor surgical procedure in a clinic)

Surgeon’s Fee

Theatre Fee

Anaesthetist’s Fee

Hospital Miscellaneous Services

Local Ambulance Services

Medical Report Fee
(only if claim is eligible for cover)

 

 

 

 

 

As charged

 

 

 

 

 

S$25,000 per disability

 

 

 

 

 

S$20,000 per disability

 

 

 

 

 

S$15,000 per disability

Pre-Hospitalization Consultation
(Within 90 days preceding hospital admission)

Pre-Hospitalization Diagnosis Services
(Within 90 days preceding hospital admission)

Post-Hospitalization Consultation and Treatment
(Within 180 days following discharge from hospital)

 

 

 

As charged

 

 

 

S$2,000 per disability

 

 

 

S$1,500 per disability

 

 

 

S$1,000 per disability

Emergency Outpatient Accidental Treatment
(Within 24 hours of accident)

As charged S$2,000 per disability S$1,500 per disability S$1,000 per disability

Emergency Dental Treatment
(Within 24 hours of accident)

As charged S$2,000 per disability S$1,500 per disability S$1,000 per disability

Surgical Implants

S$5,000 per disability S$2,000 per disability S$1,500 per disability S$1,000 per disability

Nursing at home

As charged
(Max. 26 consecutive weeks per policy year)
Not covered Not covered Not covered

Lodger Benefit
(For Insured Child below age 12)

Covered
(Max. S$100 per day)
Not covered Not covered Not covered

Emergency Medical Evacuation

Covered Covered Covered Covered

Repatriation / Local Burial
(Cover for death in home country is excluded)

Covered Covered Covered Covered

Special Grant

S$10,000 S$7,500 S$5,000 S$5,000

Hospital Cash Benefit (per day) of Hospital Confinement in Government / Restructured Hospital

  • B1 Ward
S$200 S$100 S$100 Not Applicable

Hospital Cash Benefit (per day) of Hospital Confinement in Government / Restructured Hospital

  • B2 / B2+ Ward
S$250 S$200 S$200 S$150

Hospital Cash Benefit (per day) of Hospital Confinement in Government / Restructured Hospital

  • C Ward
S$300 S$300 S$300 S$200

Accidental Miscarriage

As charged As charged As charged As charged

Outpatient Kidney Treatment

S$75,000 per policy year S$20,000 per policy year S$15,000 per policy year S$10,000 per policy year

Outpatient Cancer Treatment

S$75,000 per policy year S$20,000 per policy year S$15,000 per policy year S$10,000 per policy year

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

General Conditions
  1. A Letter of Guarantee will be provided if medical procedure is pre-authorized. 20% co-insurance applies if medical procedure is not pre-authorized (except for emergency admissions and admissions to B1 to C class wards in Restructured Hospitals).
  2. If the Insured is admitted to a ward or Hospital higher than what he is entitled to under the policy, we will pay 60% of the eligible medical expenses subject to the maximum limit stated in the policy schedule.
  3. Geographic Cover: Worldwide cover limited to a maximum of 60 consecutive days outside Singapore.

    Emergency Treatments
    Full cover

    Non-Emergency Treatments
    USA, Canada and Japan: 50% co-insurance
    Other countries: 30% co-insurance
    Malaysia: No co-insurance


Optional Covers

Description Plan 1 Plan 2
Outpatient General Practitioner (GP) Rider
Description Plan 1 Plan 2
Outpatient panel GP Cashless, no co-insurance Cashless, co-insurance of S$10
Outpatient Non-panel GP Max. S$35 per visit Not covered
Overseas Outpatient Treatment Max. S$35 per visit Max. S$35 per visit
Singapore Polyclinics As charged As charged
Panel of Traditional Chinese Medicine (TCM)
Max. 3 visits per policy year
Max. S$35 per visit Not covered
A&E Department at Restructured Hospital
Max. 2 visits per policy year
As charged As charged
Outpatient X-Ray and Lab Test
(For diagnostic purposes only) referred by panel GP or Singapore Polyclinics
As charged As charged

Exclusions

  1. Routine physical examinations and health check ups.
  2. Pregnancy or childbirth.
  3. Treatment performed by a Specialist.
  4. Special investigations (e.g. MRI, CT Scan, PET Scan, Barium Test, etc).
  1. Routine physical examinations and health check ups.
  2. Pregnancy or childbirth.
  3. Treatment performed by a Specialist.
  4. Special investigations (e.g. MRI, CT Scan, PET Scan, Barium Test, etc).
Special Features
  1. Cashless transactions at more than 500 panel network GP clinics in Singapore and Malaysia and more than 25 panel network TCM clinics.
  2. Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal.
  1. Cashless transactions at more than 500 panel network GP clinics in Singapore and Malaysia and more than 25 panel network TCM clinics.
  2. Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal.
General Information
  1. Pediatric visits are not covered under Outpatient GP Services.
  2. Overseas Outpatient cover is applicable only for the first 60 days of the Insured Person’s living/traveling overseas.
  1. Pediatric visits are not covered under Outpatient GP Services.
  2. Overseas Outpatient cover is applicable only for the first 60 days of the Insured Person’s living/traveling overseas.
Outpatient Specialist Rider
Description Plan 1 Plan 2

Outpatient panel Specialist Consultation and Diagnostic Services*

*Non-panel Specialist visits covered only under Plan 1 and are subject to 20% co-insurance.

Max. S$2,000 per policy year Max. S$1,000 per policy year
Outpatient Physiotherapy Max. S$500 per policy year Max. S$500 per policy year

Exclusions

  1. Routine physical examinations and health check ups. 
  2. Pregnancy or childbirth.
  1. Routine physical examinations and health check ups. 
  2. Pregnancy or childbirth.
Special Features
  1. Cashless transactions at over 150 panel network Specialist clinics.
  2. Insureds will enjoy concierge referral services to panel network Specialist clinics.
  3. Insured will be able to submit their non-panel medical claims online through a mobile application and web portal.
  1. Cashless transactions at over 150 panel network Specialist clinics.
  2. Insureds will enjoy concierge referral services to panel network Specialist clinics.
  3. Insured will be able to submit their non-panel medical claims online through a mobile application and web portal.
General Information
  1. A referral letter is required for Specialist consultations.
  2. A referral letter from the Specialist is required for the Outpatient Physiotherapy benefit.
  3. There is no Outpatient Specialist cover overseas.
  1. A referral letter is required for Specialist consultations.
  2. A referral letter from the Specialist is required for the Outpatient Physiotherapy benefit.
  3. There is no Outpatient Specialist cover overseas.
Outpatient Dental Rider
Description Plan 1 Plan 2
Panel Dentist Benefit Max. S$1,200 per policy year Max. S$800 per policy year
Co-payment 20% 20%
Non-panel Dentist Benefit Not covered Not covered

Emergency or Accident Related Dental Treatment
(including Crowning and Bridging)

Routine Dental Visit
(including Scaling, Polishing and Fluoride application)

Consultation

Medication

X-Rays

Amalgam Restorations (Fillings)

Extractions

Oral Surgery (including LA)

Root Canal Treatment

Periodontal Treatment

As charged up to annual limit As charged up to annual limit

Exclusions

  1. Dental Implants
  2. Procedures for cosmetic purposes
  3. Dentures, retainers, braces, orthodontic treatment
  1. Dental Implants
  2. Procedures for cosmetic purposes
  3. Dentures, retainers, braces, orthodontic treatment
Special Features

Cashless transactions at more than 160 panel network Dental clinics.

Cashless transactions at more than 160 panel network Dental clinics.
General Information

There is no Outpatient Dental cover overseas.

There is no Outpatient Dental cover overseas.

Description Plan 1 Plan 2 Plan 3 Plan 4
Personal Accident (PA)
Description Plan 1 Plan 2 Plan 3 Plan 4

Sum Insured
Cover only Death and Permanent Disablement (Scale II)*

* As per Table of Benefits in the actual Personal Accident policy wordings

S$500,000 S$300,000 S$200,000 S$100,000
Notes
  • There is a loading of 35% for extension of Motor Cycling
  • Premium payable may be revised at policy renewal at the full discretion of the Company
  • There is a loading of 35% for extension of Motor Cycling
  • Premium payable may be revised at policy renewal at the full discretion of the Company
  • There is a loading of 35% for extension of Motor Cycling
  • Premium payable may be revised at policy renewal at the full discretion of the Company
  • There is a loading of 35% for extension of Motor Cycling
  • Premium payable may be revised at policy renewal at the full discretion of the Company
Major Exclusions:

The PA rider does not provide compensation for death or disablement arising from:

  • Sickness or diseases
  • AIDS and diseases associated with HIV
  • Pre-existing physical defect or infirmity
  • Suicide or self-inflicted injury
  • War and nuclear related event
  • Pregnancy, childbirth or its complications

The PA rider does not provide compensation for death or disablement arising from:

  • Sickness or diseases
  • AIDS and diseases associated with HIV
  • Pre-existing physical defect or infirmity
  • Suicide or self-inflicted injury
  • War and nuclear related event
  • Pregnancy, childbirth or its complications

The PA rider does not provide compensation for death or disablement arising from:

  • Sickness or diseases
  • AIDS and diseases associated with HIV
  • Pre-existing physical defect or infirmity
  • Suicide or self-inflicted injury
  • War and nuclear related event
  • Pregnancy, childbirth or its complications

The PA rider does not provide compensation for death or disablement arising from:

  • Sickness or diseases
  • AIDS and diseases associated with HIV
  • Pre-existing physical defect or infirmity
  • Suicide or self-inflicted injury
  • War and nuclear related event
  • Pregnancy, childbirth or its complications

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.


Annual Premium Table For Standard Lives Only (SGD)

For Plans 
Age Band Plan 1 Plan 2 Plan 3 Plan 4
0 to 29 S$796.00 S$397.00 S$386.00 S$187.00
30 to 39 S$982.00 S$442.00 S$428.00 S$211.00
40 to 44 S$1,101.00 S$495.00 S$479.00 S$235.00
45 to 49 S$1,444.00 S$599.00 S$580.00 S$295.00
50 to 54 S$1,841.00 S$749.00 S$726.00 S$358.00
55 to 59 S$2,382.00 S$1,007.00 S$975.00 S$463.00
60 to 64 S$3,247.00 S$1,328.00 S$1,286.00 S$631.00
65 to 69 S$4,870.00 S$1,984.00 S$1,921.00 S$946.00
70 to 75 S$5,952.00 S$2,424.00 S$2,347.00 S$1,156.00
76 to 80 S$7,793.00 S$3,174.00 S$3,073.00 S$1,513.00

Premiums above include prevailing GST.


Group Discounts
Number of Employee Headcount Discount (%)
5 to 9 5
10 or more 10

For a copy of the quotation tool, please email servicecenter@libertyinsurance.com.sg 


Optional Covers (Per Employee / Dependent)

Rider Plan 1 Plan 2
Outpatient General Practitioner Rider S$340.00 S$287.00
Outpatient Specialist Rider S$265.00 S$181.00
Outpatient Dental Rider S$244.00 S$202.00

Personal Accident (PA) Plan 1 Plan 2 Plan 3 Plan 4
Class 1 – Indoor and non-manual work S$213.00 S$128.00 S$85.00 S$43.00
Class 2 – Work of an outdoor or supervisory nature
(e.g. property agent, outdoor sales)
S$265.00 S$159.00 S$106.00 S$53.00
Class 3 – Manual, non-hazardous work
(e.g. baker, driver)
S$454.00 S$273.00 S$182.00 S$91.00

Notes

Persons Eligible to Apply
  • Employees Actively at work.
  • Employees and spouses between 18 to 80 years of age and not more than 65 years of age at the Policy Commencement Date of the first Period of Insurance.
  • Children from 15 days old to 18 years old (dependent children can be covered up to age 25 if he/she is enrolled in an educational institution on full-time higher education and is not in full-time national service).
  • Domiciled (residing) in Singapore, meaning Singapore Citizens, Singapore Permanent Residents (holders of re-entry permits), holders of Employment Passes, S Passes, Personalized Employment Passes, EntrePasses, Work Permits, Student Passes or Dependent Passes.
Declined Risks

Air and ship crew, professional divers, professional sports persons; occupations involving diving, working on oil rigs, onboard vessels or offshore, firefighting, police or military personnel or occupations of a hazardous nature, i.e. involving height, depth or heat.

Major Exclusions

There are some costs which are not covered under the Policy, the following are some Major Exclusions for this Policy. You are advised to read the policy wordings for the full list of exclusions:

  • Treatment relating to birth defects, congenital abnormalities and hereditary conditions.
  • Routine medical examinations (including confinement in hospital to facilitate the conduct of test) and vaccinations.
  • Cosmetic related treatments
  • Pre-existing conditions are excluded for the first year of cover for each insured. The following specified pre-existing illnesses are permanently excluded:
    • Heart Disease, Diabetes, Cancer and Renal Failure for employee group sizes less than 10.
    • Cancer and Renal Failure for employee group sizes 10 and above.

 Key Product Provisions

The following are some key provisions found in the actual policy wordings of this plan. This is a product summary and you are advised to refer to the actual terms and conditions in the policy wordings before deciding to purchase the Policy.

Cancelation Clause

This is a short-term accident and health policy and the insurer is not required to renew this Policy. The insurer may terminate this policy by giving you 30 days notice in writing. Whenever such cancelation occurs, the Company shall return the unearned portion of premium based on the short rated table (refer to actual policy wordings). No premium will be refunded if claims have already been made by the Insured. Cancelation shall be without prejudice to any claim origination prior to the effective date of cancelation.

Terms of Renewal

Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium.

Non-Guaranteed Premium

Premiums payable for this coverage are not guaranteed and may be revised at policy renewal at the full discretion of Liberty Insurance Pte Ltd.

Change in Circumstances

In the event of a change in occupation/designation of an employee of the Insured, the Insured shall notify the Company in writing of the new occupation/designation. The Company will proceed to reclassify the employee to the applicable benefits plan based on employee group. The Insured shall also notify the Company in writing in the event of an employee’s change in country of residence (Note: Only Employees and Dependents residing in Singapore are eligible for cover).

Reasonable & Customary Charges

Benefits payable are limited to Reasonable and Customary charges for the treatments provided and to the limits of the Plan chosen.

Policy Period

Insurance will only commence when the proposal is accepted, the premium paid and accepted by Liberty Insurance Pte Ltd.

Free Look Period
In the event that the Insured is not satisfied with the Policy for any reasons, it may be returned to the Company for cancelation within fourteen days from date of receipt and any premium paid or billed with be refunded in full.
Claims Submission

All claims on reimbursement basis should be submitted within 30 days starting from the first date of the treatment.


  • Switching of medical Policies may result in the Policyholder having to pay a different premium amount and different policy terms and conditions
  • This Policy is not a Medisave-approved policy and you may not use Medisave to pay the premium for this Policy.

This Policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg)

The Total Distribution Cost of this product is between 15% to 20% of the premium. Such costs include cash payments in the form of commission, costs of benefits and services paid to the distribution channel. We assure you that the Total Distribution Cost is not an additional cost to you, as it was already accounted in the calculation of your premium.