Hospital & Surgery

	Essential	Extensive	Elite
Annual Limit per person	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	S$270,000
Neonatal Disabilities1,3	N.A.	S$135,000	S$270,000
Adding newborns from birth without underwriting	N.A.	As long as the parent is insured for 1 year and renews. Underwriting will apply for adoptions, birth following assisted conception & surrogacy	As long as the 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
HIV/AIDs1,3	S$135,000	S$270,000	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
Cash advance	Covered	Covered	Covered
Legal expenses and assistance	Covered	Covered	Covered
Compassionate travel	Return economy class airline ticket and hotel accommodation up to US$150 per night for a max of 7 nights	Return economy class airline ticket and hotel accommodation up to US$150 per night for a max of 7 nights	Return economy class airline ticket and hotel accommodation up to US$150 per night for a max of 7 nights

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	S$5,000	S$10,000
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
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 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