Hospital & Surgery

	Essential	Extensive	Elite
Overall limit per person per period of insurance	S$2 million	S$4 million	S$6 million
Hospitalisation (inpatient and day patient costs)2	Covered	Covered	Covered
Pre-hospitalisation benefits	30 days	90 days	180 days
Post-hospitalisation benefits	90 days	120 days	180 days
Parental accommodation	Covered	Covered	Covered
Outpatient surgery2	Covered	Covered	Covered
Cancer Treatment	Covered	Covered	Covered
Kidney Dialysis	Covered	Covered	Covered
Organ Transplant	Covered	Covered	Covered
Congenital and hereditary Conditions1	N.A.	S$135,000 lifetime benefit	S$270,000 lifetime benefit
Neonatal Disabilities1,3	N.A.	S$135,000 lifetime benefit	S$270,000 lifetime benefit
Complications of pregnancy	N.A.	Covered	Covered
HIV/AIDs1,3	S$135,000 lifetime benefit	S$270,000 lifetime benefit	Covered

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
Legal assistance abroad for translation of legal or administrative documents	Up to US$500	Up to US$500	Up to US$500
Compassionate home travel	One-way transport ticket by air in standard economy or by train in 1st class for 1 member on the contract	One-way transport ticket by air in standard economy or by train in 1st class for 1 member on the contract	One-way transport ticket by air in standard economy or by train in 1st class for 1 member on the contract

Optional Outpatient

	Essential	Extensive	Elite
Annual Limit for Outpatient Benefits (Pre & post hospitalisation expenses are covered under the hospital module you select)	S$7,000	Covered	Covered
Outpatient Co-insurance	NIL or 20% Co-insurance waived at Panel Network Providers	NIL or 20% Co-insurance waived at Panel Network Providers	NIL or 20% Co-insurance waived at Panel Network Providers
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 Conditions	N.A.	S$4,800	S$10,000
Complementary Medicine and Traditional Chinese Medicine	S$300	S$2,000	S$8,000
Medical appliances and mobility aids	S$2,500 Maximum two mobility aids per disability	S$5,000 Maximum two mobility aids per disability	S$10,000 Maximum two mobility aids per disability
Medical check-up and Vaccinations	N.A.	S$1,000	S$2,500
Adult preventive health screening	S$300 (Panel only)	S$500	Covered
Child health screening	N.A.	S$500	Covered

Optional Maternity

	Essential	Extensive	Elite
Pre- and post-natal care, delivery and newborn care3	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)3	N.A.	S$3,400	S$3,400
Eye exams, frames, prescription contact lenses and lenses	N.A.	N.A.	S$400

¹ Lifetime Limit
² Pre-authorisation Required
³ Waiting Period Applies

Please refer to the Benefits Schedule for the full information.