Hospital & Surgery

	Essential	Extensive	Elite
Annual Limit per person	S$2 million	S$4 million	S$6 million
Hospitalisation (inpatient and day patient costs)	Covered	Covered	Covered
Pre-hospitalisation benefits	30 days	30 days	180 days
Post-hospitalisation benefits	90 days	90 days	180 days
Parental accommodation	Covered	Covered	Covered
Adult screening (Mammogram/Pap smear/Prostate screening)	S$300 (Panel Network)	S$300 (Panel Network)	S$300 (Panel Network)
Outpatient surgery	Covered	Covered	Covered
Cancer treatment	Covered	Covered	Covered
Organ transplant	Covered	Covered	Covered
Congenital and hereditary Conditions1,2	N.A.	S$135,000	S$270,000
Neonatal Disabilities1,2	N.A.	S$135,000	S$270,000
Adding newborns from birth without underwriting	N.A.	As long as a parent is insured for 1 year and renews. Underwriting will apply for adoptions, birth following assisted conception & surrogacy	As long as a parent is insured for 1 year and renews. Underwriting will apply for adoptions, birth following assisted conception & surrogacy
Complications of pregnancy	N.A.	Covered	Covered
Stem Cell Treatment1	N.A.	S$100,000	S$200,000
HIV/AIDs1,2	S$135,000	S$135,000	Covered
Hospital Cash Benefit	S$150 per night up to a maximum of 30 nights	S$250 per night up to a maximum of 30 nights	S$300 per night up to a maximum of 30 nights
Walk-in Emergency Room treatment	S$300	S$400	S$800

Assistance Included in Every Hospital Plan

	Essential	Extensive	Elite
Emergency medical evacuation and repatriation	Up to US$1,000,000	Up to US$1,000,000	Up to US$1,000,000
Repatriation of remains	Covered	Covered	Covered
Cash advance	Up to US$2,500	Up to US$2,500	Up to US$2,500
Legal expenses and assistance	Up to US$2,500	Up to US$2,500	Up to US$2,500
Compassionate travel	Return economy class airline ticket and hotel accommodation up to US$150 per night for max 7 nights	Return economy class airline ticket and hotel accommodation up to US$150 per night for max 7 nights	Return economy class airline ticket and hotel accommodation up to US$150 per night for max 7 nights

Optional Outpatient

	Essential	Extensive	Elite
Annual Limit for Outpatient Benefits	S$7,000	Covered	Covered
Outpatient co-insurance percentage	Choice of NIL or 20%	Choice of NIL or 20%	Choice of NIL or 20%
GPs and Specialists	Covered	Covered	Covered
Medicines, scans and tests	Covered	Covered	Covered
Physiotherapy with referral	S$1,500	Covered	Covered
Outpatient Mental and Nervous Conditions1	N.A.	S$4,800	S$10,000
Outpatient Behavioural or Development Disorders3	No cover	S$1,400 Lifetime benefit	S$3,000 Lifetime benefit
Complementary Medicine and Traditional Chinese Medicine	S$300	S$2,000	S$8,000
Medical appliances & mobility aids	S$2,500	S$5,000	S$10,000
Medical check up and vaccinations	N.A.	S$1,000	S$2,500
Screening, medical checkup and vaccinations Adults preventive screening as follows: Mammography for women aged 40 years and above Pap smear for women aged 19 years and above Prostate screening for men aged 40 years and above	S$300 One of each test per period of insurance; Panel network providers only	S$500 One of each test per period of insurance	Fully covered One of each test per period of insurance
Screening, medical checkup and vaccinations Child health screenings below 16 years old for evaluating medical history, physical and development assessment, school entry health check and/or diabetic screening	No cover	S$500 Age 3 and below: max. two tests per period of insurance Age 4 to 16: max. one test per period of insurance	Fully covered Age 3 and below: max. two tests per period of insurance Age 4 to 16: max. one test per period of insurance
Routine Outpatient Maternity2	N.A.	N.A.	S$6,500 per pregnancy

Optional Maternity

	Essential	Extensive	Elite
Pre and post-natal care, delivery and newborn care2	S$7,000 per pregnancy	S$13,500 per pregnancy	S$20,000 per pregnancy

Optional Dental and Optical

	Essential	Extensive	Elite
Minor dental treatment (e.g. cleaning, simple extractions)	S$1,400	S$1,400	S$1,400
Major dental treatment (e.g. implants, root canal, orthodontics)2	N.A.	S$3,400	S$3,400
Eye exams, prescription contact lenses and lenses	N.A.	N.A.	S$400

¹ Lifetime Limit
² Waiting Period applies
³ Physician, psychotherapist consultation fees, diagnostic scans and tests, medicines and drugs prescribed by a physician for a behavioural or developmental disorder