EZCare

A Better Health Insurance Experience for SMEs

The EZ way to show your employees you care

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.