Key Benefits

1

Five plan options with wide range of coverage

2

Extended age eligibility

3

More optional riders with comprehensive benefits

4

Family discount

5

Portfolio pricing that assure individual member will not be penalised due to high claim

proMedico

We've got your needs covered

Compare our plans in detail, you’ll definitely find something that suits you

Description of Benefits Premier Premier Plus Prime Prestige Prestige Plus
Overall Annual Limit S$100,000 S$250,000 S$500,000 S$1,000,000 S$1,500,000
Daily Hospital Room & Board Standard 2 bedded Singapore Private Hospital or Standard 1 bedded Singapore Government/ Restructured Hospital Standard 2 bedded Singapore Private Hospital or Standard 1 bedded Singapore Government/ Restructured Hospital Standard 1 bedded Singapore Private Hospital Standard 1 bedded Singapore Private Hospital Standard 1 bedded Singapore Private Hospital
Parent's Accommodation as companion for Child 
(below 12 years old)
As charged As charged As charged As charged As charged
ICU (per day) As charged As charged As charged As charged As charged
Hospital Services As charged As charged As charged As charged As charged
Surgeon's Fees As charged As charged As charged As charged As charged
Day Surgery As charged As charged As charged As charged As charged
Minor Surgical Procedure in an Outpatient Clinic As charged As charged As charged As charged As charged
Anaesthetist's Fee As charged As charged As charged As charged As charged
Daily In-hospital Physician's Visit As charged As charged As charged As charged As charged
Pre-hospitalisation/ Surgery Diagnostic Services
(within number of days preceding Hospital admission)
As charged
(90 days)
As charged
(90 days)
As charged
(90 days)
As charged
(120 days)
As charged
(120 days)
Pre-hospitalisation/ Surgery Specialist's Consultation includes medication
(within number of days preceding Hospital admission)
As charged
(90 days)
As charged
(90 days)
As charged
(90 days)
As charged
(120 days)
As charged
(120 days)
Post-hospitalisation/ Surgery Treatment
(up to number of days following discharge from Hospital)
As charged
(90 days)
As charged
(90 days)
As charged
(90 days)
As charged
(120 days)
As charged
(120 days)
Home Nursing
(up to 26 weeks per policy)
N.A. N.A. As charged As charged As charged
Surgical Implants S$2,000 S$3,500 S$5,000 As charged As charged
Inpatient, Day Patient or Outpatient Cancer Treatment - Surgery, Chemotherapy, Radiotherapy, Immunotheraphy, Hormone Therapy
(treatment related to active cancer treatment following a confirmed diagnosis of cancer)
S$50,000 S$100,000 As charged As charged As charged
Inpatient, Day Patient of Outpatient Kidney dialysis S$50,000 S$100,000 As charged As charged As charged
Miscarriage due to Accident
(per pregnancy)
S$1,000 S$2,000 S$3,000 As charged As charged
Rehabilitation Benefit N.A. N.A. N.A. S$15,000 S$30,000
Local Ambulance Fee As charged As charged As charged As charged As charged
Taxi Fare for Travelling to and from Hospital within Singapore
(arising from a day surgery or hospital admission)
As charged As charged As charged As charged As charged
Mobility Aids and Medical Appliances S$250 S$500 S$1,500 S$2,000 S$2,500
Inpatient Psychiatric Treatment N.A. S$1,000 S$1,500 S$2,000 S$3,000
Organ transplantation - Bone marrow, Heart, Kidney, Liver, Lung or bone marrow including the donor cost up to 20% of transplantation costs to remove organ - 24 months waiting period As charged As charged As charged As charged As charged
Emergency Outpatient Accidental Treatment
(within 24 hours of accident)
As charged As charged As charged As charged As charged
Emergency Outpatient Dental Treatment following accident
(within 24 hours of accident)
S$2,500 S$5,000 S$7,500 As charged As charged
Outpatient Alternative Treatment
(registered chiropractor, podiatrist, dietician, naturopath, physiotherapist, acupuncturist, homeopath, osteopath, TCM)
N.A. N.A. S$500 S$1,000 S$2,000
Daily Hospital Cash Allowance (per day)1
  • B1 Ward
  • B2/ B2+ Ward
  • C Ward



S$100
S$150
S$200



S$100
S$200
S$300


S$100
S$200
S$300


S$200
S$250
S$300


S$200
S$250
S$300
Medical Report Fees As charged As charged As charged As charged As charged
Dread Disease Recuperation Benefit - Coronary Artery By-Pass Surgery, Heart Attack, Cancer, Stroke
(one-time lump sum payment)
S$1,000 S$2,500 S$5,000 S$7,500 S$10,000
Special Grant
(one-time lump sum payment)
S$3,000 S$5,000 S$8,000 S$10,000 S$10,000
Congenital Conditions Benefit N.A. N.A. N.A. S$10,000
lifetime benefit limit
S$15,000
lifetime benefit limit
Permanent Total Disability N.A. N.A. N.A. S$40,000
(reduced to 50% when Insured Person is a manual worker)
S$50,000
(reduced to 50% when Insured Person is a manual worker)
Emergency Medical Evacuation/ Repatriation2
(per occurence)
Unlimited Unlimited Unlimited Unlimited Unlimited
Repatriation of Mortal Remains2
(per occurence)
S$10,000 S$15,000 S$20,000 S$30,000 S$50,000
Emergency Medical Advice & Travel Assistance2 Provided Provided Provided Provided Provided
Compassionate Visit2 N.A. N.A. N.A. Return economy class airline ticket Return economy class airline ticket
Return of dependent child(ren)2 N.A. N.A. N.A. Single trip economy class airline ticket Single trip economy class airline ticket

1 If admitted to Singapore Restructured Hospital, payable up to 30 days
2 Overseas emergency services - Annual Overall Limits do not apply

Optional Coverage - Outpatient Services - Rider to Basic Hospital & Surgical Coverage

Description of Benefits Plan 1
(Optional rider for proMedico Premier, Premier Plus and Prime)
Plan 2
(Optional rider for proMedico Prestige and Prestige Plus)
Outpatient General Practitioner (GP) rider
Description of Benefits Plan 1
(Optional rider for proMedico Premier, Premier Plus and Prime)
Plan 2
(Optional rider for proMedico Prestige and Prestige Plus)
Outpatient Panel GP Visits
(including consultation and medications)
As charged
(unlimited)
As charged
(unlimited)
Outpatient Non-panel GP Visits
(including consultation and medications)
Up to S$35 per visit Up to S$50 per visit
Outpatient Laboratory and X-Rays Services (for diagnostic purposes only) referred by panel GP or Singapore Polyclinics As charged As charged
Accident & Emergency (A&E) in Singapore Hospitals Up to S$120 per visit Up to S$150 per visit
Panel of Traditional Chinese Medicine (TCM) N.A. Up to S$50 per visit
Overseas Outpatient GP Visits Up to S$30 per visit Up to S$50 per visit
Exclusions
  • Routine physical examinations and health check-ups
  • Pregnancy or childbirth
  • Treatment performed by a Specialist
  • Special investigations (e.g. MRI, CT Scan, PET Scan, Barium Test, etc)
  • Routine physical examinations and health check-ups
  • Pregnancy or childbirth
  • Treatment performed by a Specialist
  • Special investigations (e.g. MRI, CT Scan, PET Scan, Barium Test, etc)
Special Features
  • Cashless transactions at more than 500 panel network GP clinics in Singapore and Malaysia and more than 25 panel network TCM clinics
  • Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal
  • Cashless transactions at more than 500 panel network GP clinics in Singapore and Malaysia and more than 25 panel network TCM clinics
  • Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal
Outpatient Specialist (SP) rider
Description of Benefits Plan 1
(Optional rider for proMedico Premier, Premier Plus and Prime)
Plan 2
(Optional rider for proMedico Prestige and Prestige Plus)
Panel & non-panel SP
(Consultation, outpatient diagnostic scan, x-ray and lab test)
S$4,000
(maximum amount per person per policy year, subject to 20% co-insurance applicable to non-panel Specialist)
S$5,000
(maximum amount per person per policy year, subject to 20% co-insurance applicable to non-panel Specialist)
Paediatrician Consultation S$500 per year
(waiver of GP referral letter for child below 36 months)
S$1,000 per year
(waiver of GP referral letter for child below 36 months)
Physiotherapy and Chiropractic Treatment N.A. Up to S$500 per policy year
(referred by doctor)
Medical Appliances N.A. Rental of medical appliances (up to S$500 per policy year) prescribed by doctor
Hearing Aids N.A. Up to S$300 per policy year
Exclusions
  • Routine physical examinations and health check-ups
  • Pregnancy or childbirth
  • Routine physical examinations and health check-ups
  • Pregnancy or childbirth
Special Features
  • Cashless transactions at over 150 panel network Specialist clinics 
  • Insureds will enjoy conceirge referral services to panel network Specialist clinics
  • Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal
  • Cashless transactions at over 150 panel network Specialist clinics 
  • Insureds will enjoy conceirge referral services to panel network Specialist clinics
  • Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal
General Information
  • A referral letter is required for Specialist consultations
  • A referral letter from Specialist is required for the outpatient physiotherapy benefit
  • A referral letter is required for Specialist consultations
  • A referral letter from Specialist is required for the outpatient physiotherapy benefit
Wellness and Optical Benefits
Description of Benefits Plan 1
(Optional rider for proMedico Premier, Premier Plus and Prime)
Plan 2
(Optional rider for proMedico Prestige and Prestige Plus)
Medical check-up and Vaccinations N.A. Up to S$300 per policy year
Hearing Test, Eye Exam and Corrective Vision Aids N.A. Up to S$300 per policy year

 

Optional Coverage - Dental Care - Rider to Basic Hospital & Surgical Coverage (Eligible for Optional Outpatient Services applicant only)

Description of Benefits Plan 1
(Optional rider for proMedico Premier, Premier Plus and Prime)
Plan 2
(Optional rider for proMedico Prestige and Prestige Plus)
Annual Limit S$750 S$1,500
Oral Examination, Scaling and Polishing
(twice per policy year)
Covered
(no co-payment)
Covered
(no co-payment)
Dental Treatment
(with 6 months waiting period)
  • Intra Oral X-ray
  • Impaction
  • Emergency Treatment to relief dental pain (palliative) - Fillings
  • Medication/ Drugs
  • Root Canal Treatment
  • Extraction (including wisdom tooth)
  • Periodontal treatment
Covered
(no co-payment)
Covered
(no co-payment)

Major Restorative Dental Treatment
(with 12 months waiting period)

  • Dentures, Crowns & Bridges
  • Inlays
  • Implants (Surgical Implant placement/ Impant abutments)
80% reimbursement Covered
(no co-payment)
Orthodontic Treatment
(12 months waiting period) - For dependent child aged below 18
N.A. 50% reimbursement

Optional Coverage - Maternity Care - Rider to Basic Hospital & Surgical Coverage for proMedico Prime, Prestige and Prestige Plus

Description of Benefits4  
First year overall annual limit N.A.
Second year overall annual limit S$6,000
Third year and thereafter overall limit S$13,500

Maternity benefits including

  • prenatal and post-natal services up to 45 days following birth: Physician consultation fees, diagnostic scans and tests, medicines and drugs
  • normal or complicated delivery

Available to women between 19-45 years of age who have selected a proMedico Prime or Prestige or Prestige Plus Basic Hospital and Surgical coverage on a NIL deductible basis, plus an optional outpatient services benefit

 

Premium Savings Options

Deductible Limits Per Person Per Disability3 Discount
S$5,000 30%
S$7,500 40%
S$10,000 50%

3 Deductible does not apply to Outpatient Cancer and Kidney Dialysis Treatment, Organ Transplantation and Permanent Total Disability. Discount applies only on basic Hospital and Surgical coverage premium


Notes

Persons Eligible to Apply
  • Adults from 18 to 69 years old (inclusive) on next birthday
  • Children from 15 days old to 17 years old (inclusive) on next birthday
  • Residents of Singapore (Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependent Pass Holders or Work Permit Holders), who are residing in Singapore - Annual Premium Table for Singapore Only applies
  • Residents of Singapore who are residing in countries outside Singapore excluding USA - Annual Premium Table for Worldwide Excluding USA applies
  • Persons who are permanently residing (more than 60 days) in USA are not eligible
  • Proposal for children must include at least one parent and the choice of plan for child must be equal than that of the parent(s)
  • Family discount
    • A 5% discount is allowed for coverage taken up by Insured Person and Spouse and 10% Family discount on a Family-unit basis (Insured Person, Spouse, Children) under one Policy
    • No discount if Policy is taken up by one parent and one child

Remarks: Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore.

Major Exclusions
  • Pre-existing conditions as defined or Injuries before the Policy Inception Date of this Policy
  • Treatment for wilfully self-inflicted or grossly negligent Bodily Injury, Sickness, Accident, suicide, or attempted suicide or any attempt threat whether same or insane
  • Treatment relating to birth defect, Congenital Conditions and congenital illnesses unless otherwise explicitly provided and endorsed in the Policy or Schedule. Birth defects are deemed to include, but not limited to, hereditary conditions, treatment for learning problems or speech defects of a dependent child and foetal surgery
  • Genetic tests, nor for any counselling made necessary following genetic tests, even when those tests are undertaken to establish whether or not Insured member may be genetically disposed to the development of a medical condition in the future
  • Experimental and yet to be scientifically proven medical treatment
Key Product Provisions

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.

  • Cancellation Clause: 
    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 cancellation occurs, the Company shall return the unearned portion of premium 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. Cancellation shall be without prejudice to any claim origination prior to the effective date of cancellation
  • Geographical Cover: 
    Worldwide, 24 hours (there is no cover available for all persons domicile permanently in USA of whatever nationalities)
  • Terms of Renewal: 
    Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium. 
  • Non-Guarantee Premium:
    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
  • Change of Occupation/Country of Residence:
    In the event of a change in occupation/country of residence of the Insured Person, the Insured Person 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 or to decline the coverage
  • Reasonable & Customary Charges:
    Benefits payable are limited to Reasonable and Customary charges for the treatments provided and to the limits of the Plan chosen
  • Pre-Authorisation For Hospitalisation in Private Hospitals:
    Pre-authorisation must be obtained for any In-patient or Day Surgery procedure in Private Hospitals, including overseas admission, otherwise 20% co-insurance shall impose on all eligible medical expenses covered under the Policy. This co-insurance will not apply in the event of an emergency and Insured Person must contact us within 24 hours after admission
  • Co-insurance:
    Treatments received in USA are subject to a 20% co-insurance on the first S$16,000 of eligible medical expenses
  • Policy Period:
    Insurance will only commence when the proposal is accepted, the premium paid and accepted by Liberty Insurance Pte Ltd
  • Free Look Period:
    In the event that the Insured is not satisfied with the Policy for any reasons, it may be returned to the Company for cancellation within 14 days from date of receipt and any premium paid or billed will be refunded in full
    • Switching of medical policies may result in having to pay a different premium amount and different policy terms and conditions
    • This Policy is not a Medisave-approved policy and you may not use Medisave to pay the premium for this Policy
    • To submit a claim, please complete the Medical claim form and submit together with all original documents,
    • supporting invoices and receipts within 30 days starting from the first date of the treatment

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 us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.