Quality health insurance does not have to be expensive
We don’t want to be caught off guard when we, or our loved ones, are suddenly faced with serious illnesses or accidents. That’s why having quality health insurance at the right price is an important financial safeguard. proMediCare is a basic hospital and surgical insurance plan that offers great flexibility and value. Catered to meet your specific needs, proMediCare offers 4 affordable premium options to defray unforeseen medical costs.
These include operation fees and post-operative care for up to a minimum of 91 days. In addition, eligible surgical fees below $500 are covered in full.
These include charges for operating room x-ray examinations, dressings and plaster casts.
These include charges for specialist’s opinion or advice, as well as additional laboratory examinations or tests recommended by a licensed physician.
These include charges for services and medical supplies provided by the hospital or clinic for emergency treatment of an injury resulting from an accident.
These include charges for ambulance services such as attending medical personnel.
|Plan A||Plan B||Plan C||Plan D|
|Hospital Room & Board
(Daily max. up to 91 days)
|Intensive Care Unit
(Daily max. up to 20 days)
|Hospital Miscellaneous Services||S$4,000||S$4,250||S$4,500||S$5,000|
(Subject to Surgical Schedule)
|Anaesthetist Fees||25% of Surgical fees reimbursable||25% of Surgical fees reimbursable||25% of Surgical fees reimbursable||25% of Surgical fees reimbursable|
|In-Hospital Physician Visit
(Daily max. up to 91 days)
|Emergency Outpatient Accidental Treatment||S$1,600||S$2,200||S$2,500||S$2,800|
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
The plan is designed to keep the premiums at reasonable and practical levels. Hence, there are some costs which cannot realistically be covered such as:
A product summary is available and may be obtained from Liberty Insurance Pte Ltd. You should read the product summary before deciding whether to purchase the policy.
The following are some key provisions found in the actual policy wordings of this plan. This is a product summary and you are advised to refer to the actual terms and conditions in the policy wordings before deciding to purchase the Policy.
This is a short-term accident and health policy and the insurer is not required to renew this policy. The insurer may terminate this policy by giving you 30 days notice in writing. Whenever such cancelation occurs, the Company shall return the unearned portion of premiums 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. Cancelation shall be without prejudice to any claim originating prior to the effective date of cancelation.
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Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium up to the age limit of 69 years old.
Premiums payable for this coverage are not guaranteed and may be revised at policy renewal at the full discretion of the Company. The premium payable at commencement and renewal of cover is based on age next birthday.
In the event of a change in occupation of the Insured, the Insured shall notify the Company in writing of the new occupation/country of residence.
The Company shall increase or reduce the premium rates according to the risk classification for the new occupation/country of residence.
Benefits payable are limited to Reasonable and Customary charges for the treatments provided and to the limits of the Plan chosen.
Insurance will only commence when the proposal is accepted, the premium paid and accepted by Liberty Insurance Pte Ltd.
In the event that the Insured is not satisfied with the policy for any reason, it may be returned to the Company for cancelation within 14 days from date of receipt and any premium paid or billed will be refunded in full.
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)