Hospital & Surgery (SGD)

	Core	Essential	Extensive	Elite
Annual Limit (The overall limit per person per period of insurance)	S$400,000	S$2 million	S$4 million	S$6 million
Hospital Network	Specified Providers only	Standard: Free choice of provider Optional: For treatment in Singapore, Specified Providers only (Available for Worldwide excluding U.S.A. only)	Standard: Free choice of provider Optional: For treatment in Singapore, Specified Providers only (Available for Worldwide excluding U.S.A. only)	Standard: Free choice of provider Optional: For treatment in Singapore, Specified Providers only (Available for Worldwide excluding U.S.A. only)
Hospital room and board	Single Occupancy Room	Single Occupancy Room	Single Occupancy Room	Single Occupancy Room

Optional Outpatient (SGD)

	Core	Essential	Extensive	Elite
Outpatient Limit (Annual cumulative limit for all benefits)	S$3,500	S$7,000	Up to overall limit per period of insurance	Up to overall limit per period of insurance
Outpatient Co-insurance Percentage	Nil in Panel Network 40% outside of Panel Network	Nil or 20% 20% co-insurance will be waived at Panel Network providers only for direct billing services upon e-card presentation	Nil or 20% 20% co-insurance will be waived at Panel Network providers only for direct billing services upon e-card presentation	Nil or 20% 20% co-insurance will be waived at Panel Network providers only for direct billing services upon e-card presentation
GPs and Specialists consultation fees	Full cover	Full cover	Full cover	Full cover
Physiotherapy with Referral	S$750	S$1,500	Full cover	Full cover
Outpatient Mental and Nervous Conditions1	No cover	No cover	S$4,800	S$10,000
Outpatient Behavioural or Developmental Disorders1,3	No cover	No cover	S$1,400	S$3,000
Medicines and drugs	Full cover	Full cover	Full cover	Full cover
Diagnostic scans and tests	Full cover	Full cover	Full cover	Full cover
Medical appliances & mobility aids	No cover	S$2,500	S$5,000	S$10,000
Complementary Medicine and Traditional Chinese Medicine	S$150	S$300	S$2,000	S$8,000

Optional Dental and Optical (SGD)

	Core	Essential	Extensive	Elite
Minor dental treatment	Not available	S$1,400	S$1,400	S$1,400
Major dental treatment, including orthodontic	Not available	No cover	S$3,400	S$3,400
Eye exams, frames, prescription contact lenses and prescription lenses	Not available	No cover	No cover	S$400

Please refer to the Benefits Schedule for the full information.

Please refer to the actual policy wordings for the terms and conditions.