Key Benefits

1

Extensive coverage

2

No exclusion of specific illness imposed

3

Repatriation expenses of mortal remains

4

No minimum hours required for hospital confinement

5

Personal accident (due to non-work related)

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Description of Benefits Standard Plan Enhanced Plan  Superior Plan 
Limit per person S$15,000 per disability S$30,000 per disability S$50,000 per disability
Pre-existing Conditions Covered Covered Covered
Room & Board As charged
(Based on 4 bedded Singapore Government Restructured Hospital Charges)
As charged
(Based on 4 bedded Singapore Government Restructured Hospital Charges)
As charged
(Based on 4 bedded Singapore Government Restructured Hospital Charges)
Intensive Care Unit As charged As charged As charged
Hospital Miscellaneous Services As charged As charged As charged
Surgical Fee As charged As charged As charged
In Hospital Physician’s Visits As charged As charged As charged
Pre-Hospitalisation Diagnostic X-Ray & Lab Test As charged
(90 days prior to hospitalisation)
As charged
(90 days prior to hospitalisation)
As charged
(90 days prior to hospitalisation)
Pre-Hospitalisation Specialist Consultation Fees As charged
(90 days prior to hospitalisation)
As charged
(90 days prior to hospitalisation)
As charged
(90 days prior to hospitalisation)
Post-Hospitalisation As charged
(within 90 days following discharged from Hospital)
As charged
(within 90 days following discharged from Hospital)
As charged
(within 90 days following discharged from Hospital)
Special Grant per person S$3,000 S$3,000 S$3,000
Claim Medical Report Fees As charged As charged As charged
Repatriation Expenses of Mortal Remains S$2,000 S$2,000 S$2,000
Personal Accident (due to non-work related) S$10,000 S$10,000 S$10,000

Annual Premium - For Standard Lives Only (SGD)

Annual Premium per Employee
(including prevailing GST)
Standard Plan  Enhanced Plan  Superior Plan 
101 to 300 S$53.50 S$74.90 S$144.45
51 to 100 S$58.85 S$80.25 S$160.50
31 to 50 S$64.20 S$90.95 S$171.20
21 to 30 S$69.55 S$101.65 S$181.90
11 to 20 S$74.90 S$123.05 S$192.60
6 to 10 S$80.25 S$144.45 S$214.00
1 to 5 S$85.60 S$208.65 S$267.50

Notes

Persons Eligible to Apply

Available only to Work Permit or S Pass Holder maximum enrolment age is 65 years old.

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.

  • Routine medical examination (including vaccination, the issue of medical certificates and attestations) confinement in the hospital to facilitate the taking of X-Ray or conduct of test
  • Treatment relating to birth defects, congenital abnormalities and hereditary conditions

 Key Product Provisions

The following are some key provisions found in the actual policy wordings of this plan. 

Cancellation Clause

The Company reserves the right to terminate the coverage at any time giving 30 days’ notice in writing to the Insured. Whenever such cancellation 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. Cancellation shall be without prejudice to any claim origination prior to the effective date of cancellation.

Terms of Renewal

Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium up to the age limit of 69 years old.

Non-Guaranteed Premium

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

Geographical Cover

24 hours coverage within Singapore


  • 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 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)