Key Benefits

1

Daily Hospital Cash Allowance for up to thirty days per disability

2

Outpatient General Practitioner and Specialist Rider

3

Extended Eligibility - Maximum renewal age up to eighty years old

4

Post-hospitalisation Treatment

5

Medical Emergency Evacuation

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Description Essential Economy Executive International
Annual Overall Limit
Description Essential Economy Executive International
Annual Overall Limit
(Max. amount per person per Policy Year)
S$75,000 S$150,000 S$250,000 S$800,000
Hospital Benefit
Description Essential Economy Executive International
All Hospital Services As charged As charged As charged As charged
Room & Board
(per day)
4 Bedded
Singapore Restructured Hospital
2 Bedded
Singapore Private Hospital
Standard 1 Bedded Singapore Restructured Hospital Standard 1 Bedded Singapore Private Hospital
Intensive Care Unit
(per day)
As charged As charged As charged As charged
Minor Surgical Procedure in an Outpatient Clinic As charged As charged As charged As charged
Day Surgery As charged As charged As charged As charged
Pre-Hospitalisation/Surgery Diagnostic Services
(within number of days prior to admission)
As charged
(90 Days)
As charged
(90 Days)
As charged
(90 Days)
As charged
(90 Days)
Post-Hospitalisation Treatment
(within number of days prior to admission)
As charged
(90 Days)
As charged
(90 Days)
As charged
(90 Days)
v
(90 Days)
Lodger Benefits
For Child below age 12 (Max. Amount S$100 per day)
N.A. N.A. As charged As charged
Local Ambulance Fee As charged As charged As charged As charged
Nursing At Home
(Max. 26 weeks per Policy Year)
N.A. N.A. N.A. As charged
Outpatient Treatments
Description Essential Economy Executive International
Outpatient Cancer and Kidney Dialysis Treatment
(Max. amount per person per Policy Year)
S$10,000 S$20,000 S$30,000 S$50,000
Emergency Outpatient Treatment
(Within 24 hours of Accident)
As charged As charged As charged As charged
Emergency Dental Treatment 
(Within 24 hours of Accident)
As charged As charged As charged As charged
Organ Transplantation
Description Essential Economy Executive International
Organ Transplantation
(Max. amount per person per Policy Year)
As charged As charged S$150,000 S$200,000
Maternity Benefits
Description Essential Economy Executive International
Maternity Care
(12 months waiting period; Maximum amount per Policy Year)
N.A. N.A. N.A. S$6,000

Daily Hospital Cash Allowance
(Per day if admitted to Singapore Restructured Hospital, payable up to 30 days)

B1 Ward

 

 

N.A.

 

 

S$100

 

 

S$100

 

 

S$200

B2/B2+ Ward S$150 S$200 S$200 S$250
C Ward S$200 S$300 S$300 S$300
Medical Evacuation/Repatriation (Annual Overall Limits do not apply)
Description Essential Economy Executive International
Permanent Total Disability
(Reduce to 50% when the Insured Person is a manual worker)
N.A. N.A. N.A. S$40,000
Emergency Medical Evacuation N.A. Unlimited Unlimited Unlimited
Repatriation/Local Burial
(Cover for death in home country is excluded)
N.A. S$5,000 S$10,000 S$20,000
Mobility Aids S$250 S$350 S$500 S$650
Surgical Implants S$750 S$1,500 S$3,000 S$5,000

Outpatient Services – Rider to Inpatient Cover (Optional)

Outpatient General Practitioner (GP) and Specialist (SP) Benefit Benefit Limit
Outpatient Panel GP Visits As charged
Outpatient Non-Panel GP Visits As Charged and subject to 20% Co-insurance
Accident & Emergency Department in Singapore Hospitals Limited to 2 visits per Policy Year
Singapore Government Polyclinics As charged
Overseas Outpatient GP Visits Up to S$50 per visit and limited to 3 visits per Policy Year
Panel and Non-Panel SP
(Consultation, Laboratory and X-Rays Services)
S$4,000 (max. amount per person per Policy Year)
(20% Co-insurance applicable to Non-Panel SP)

Optional Outpatient Services are only available under Economy, Executive or International Plan.The information provided here is a summary.
Please refer to the actual policy wordings for the terms and conditions. 


Premium Savings Options

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

Deductible does not apply to Outpatient Cancer and Kidney Dialysis Treatment, Organ Transplantation and Permanent Total Disability.
Discount applies only on inpatient premium.


Annual Premium Table For Standard Lives Only (SGD)

Age Band Essential Economy Executive International Outpatient Services
(rider)
Singapore Only
Age Band Essential Economy Executive International Outpatient Services
(rider)
17 S$316 S$439 S$545 S$784 S$1,164
18 to 24 S$423 S$585 S$729 S$1,049 S$1,014
25 to 29 S$467 S$636 S$790 S$1,138 S$1,105
30 to 34 S$563 S$781 S$974 S$1,401 S$1,259
35 to 39 S$628 S$874 S$1,089 S$1,566 S$1,524
40 to 44 S$754 S$1,053 S$1,314 S$1,892 S$1,805
45 to 49 S$931 S$1,304 S$1,633 S$2,349 S$2,157
50 to 54 S$1,187 S$1,672 S$2,096 S$3,014 S$2,498
55 to 59 S$1,540 S$2,172 S$2,726 S$3,922 S$3,133
60 to 64 S$2,018 S$2,852 S$3,580 S$5,150 S$4,066
65 to 69 S$2,512 S$3,452 S$4,444 S$6,396 S$4,850
70 to 75 S$3,657 S$5,157 S$7,394 S$9,313 S$6,110
76 to 80 S$4,754 S$6,703 S$9,612 S$12,108 S$7,943
Global (Except USA/Canada/Japan)
Age Band Essential Economy Executive International Outpatient Services
(rider)
17 S$556 S$770 S$1,011 S$1,374 S$2,000
18 to 24 S$740 S$1,026 S$1,279 S$1,836 S$1,743
25 to 29 S$818 S$1,133 S$1,412 S$2,031 S$1,898
30 to 34 S$937 S$1,304 S$1,625 S$2,339 S$2,061
35 to 39 S$1,098 S$1,530 S$2,054 S$2,745 S$2,618
40 to 44 S$1,261 S$1,762 S$2,528 S$3,167 S$2,958
45 to 49 S$1,497 S$2,130 S$3,097 S$3,766 S$3,538
50 to 54 S$1,869 S$2,640 S$3,832 S$4,623 S$3,918
55 to 59 S$2,468 S$3,502 S$5,098 S$6,105 S$4,933
60 to 64 S$3,096 S$4,376 S$6,318 S$7,608 S$6,148
65 to 69 S$4,036 S$5,706 S$8,347 S$9,898 S$7,667
70 to 75 S$5,648 S$7,986 S$11,685 S$13,856 S$9,285
76 to 80 S$7,342 S$10,383 S$15,190 S$18,011 S$12,072
Singapore Only
  • The rates apply to Proposer/Insured Persons domiciled in Singapore
  • If the Insured Person lives/travels outside Singapore for a continuous period of more than sixty days, eligible expenses subsequently incurred outside Singapore will be limited to reasonable and customary charges as if such expenses were incurred in Singapore

Global (Except USA/Canada/Japan)

  • The rates apply to Proposers/Insured Persons (Singapore Citizens only) domiciled anywhere in the world except USA/Canada/Japan

Applicable to Annual Premium Tables for Singapore & Global:

  • Optional Outpatient Services is only available under Economy Plus, Executive Plus or International Plus Plans
  • Premiums may be loaded for more hazardous occupations e.g. work on board offshore oil rigs; and occupations involving frequent air travel
  • Premium payment at commencement and renewal are based on age next birthday
  • A 5% discount is allowed for coverage taken up by Insured Person and Spouse and a 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.
  • Discount is only applicable for New Business effective 1 Aug 2019
  • Premiums above include prevailing GST

Notes

Persons Eligible to Apply
  • Adults from 18 to 64 year old (inclusive) on next birthday
  • Children from 15 days old to 17 years old (inclusive) on next birthday
  • Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Holders, who are permanently residing in Singapore - Annual Premium Table for Singapore Only applies
  • Singapore Citizens who are permanently residing in countries outside Singapore excluding USA/Canada/Japan - Annual Premium Table for Global applies
  • Persons who are permanently residing (more than sixty days) in USA/Canada/Japan are not eligible
  • Proposal for children must include at least one parent and the choice of plan must be equal than that of the parent(s)

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

There are some costs which are not covered under the Policy, the following are some Major Exclusions for this Policy. You are advised to read the policy wordings for the full list of exclusions:

  • Pre-existing illnesses or injuries before the inception date of the Policy
  • Routine medical examination (including vaccination, the issue of medical certificates and attestations), confinement in hospital to faciliate the taking of x-ray or conduct of test
  • Treatment relating to birth defects, congenital abnormalities and hereditary conditions

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/Canada/Japan regardless of any nationalities).

Terms of Renewal

Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium. Renewable from 65 to 80 years old and is subjected to yearly review.

Non-Guaranteed 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 of 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/Canada/Japan 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 cancelation within fourteen days from date of receipt and any premium paid or billed with be refunded in full.

  • Switching of medical policies may result in having to pay a different premium amount and different policy terms and conditions
  • Maternity Care is only provided if all members of an Insured’s family are insured on the same plan under the same Policy
  • 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 your insurer or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg)