Work Injury Compensation Insurance
EZCare

A Better Health Insurance Experience for SMEs

The EZ way to show your employees you care
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A Better Health Insurance Experience for SMEs

EZCare is an Employee Benefits starter kit for companies with headcounts as low as 2 employees. It has simple plans which are easy to understand and administer while providing access to best in class health care services.

*For companies with two or three employees, a minimum premium is required. Please contact servicecenter@libertyinsurance.com.sg

Benefits at a Glance

  1. Get an instant quote using our table rates
  2. Skip the hassle of completing multiple forms
  3. Outpatient claims submission through our mobile application and online web portal
  4. No surgical sub-limits or tables
  5. Concierge services for Specialist consultations and Inpatient procedures

Summary of Benefits

 

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

 

General Conditions
  • 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).
  • 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.
  • 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

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

 

Annual Premium Table (S$) (Hospitalization and Surgery)

Age Next Birthday Plan 1 Plan 2 Plan 3 Plan 4
0 to 29 S$796 S$397 S$386 S$187
30 to 39 S$982 S$442 S$428 S$211
40 to 44 S$1,101 S$495 S$479 S$235
45 to 49 S$1,444 S$599 S$580 S$295
50 to 54 S$1,841 S$749 S$726 S$358
55 to 59 S$2,382 S$1,007 S$975 S$463
60 to 64 S$3,247 S$1,328 S$1,286 S$631
65 to 69 S$4,870 S$1,984 S$1,921 S$946
70 to 75 S$5,952 S$2,424 S$2,347 S$1,156
76 to 80 S$7,793 S$3,174 S$3,073 S$1,513

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 and Premium

Outpatient General Practitioner (GP) Rider
Outpatient Specialist Rider
Outpatient Dental Rider
Personal Accident (PA)

 

 

Outpatient General Practitioner (GP) Rider
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

 

Annual Premium Table (Outpatient General Practitioner Rider)
Plan 1
Plan 2
Per employee/dependent S$340 S$287

 

Premiums above include prevailing GST.

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).

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.

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.

Notes

Persons Eligible to Apply

  1. Employees Actively at work.
  2. 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.
  3. 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).
  4. 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.

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

 

Key Product Provisions

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

 

Cancelation Clause This is a short-term accident and health policy and the insurer is not required to renew this policy. The insurer reserves the right to terminate this policy at any time by giving 30 days’ notice in writing to the insured. 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 reason, 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.

 

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