Key Benefits

Take comfort for increasing amounts of medical coverage. Let Liberty expand your medical coverage so you will be ready for tougher times. With proMedico Plus, be protected for a variety of scenarios such as psychiatric treatment, cancer, and kidney treatment. Personalize it down to your individual needs and know that you will get higher limits and extra benefits on top of what proMedico offers.

1

Extensive Range Of Hospital Benefits

On top of hospital services charges, proMedico Plus covers daily hospital room accommodation, intensive care unit confinement, surgeon’s fees, lodger benefit, local ambulance services and even home nursing charges

2

Outpatient Treatments

These include charges incurred for outpatient kidney dialysis and cancer treatments prescribed by the physician

3

Organ Transplantation

These include medical treatment costs incurred in respect to bone marrow, heart, kidney, liver and lung transplants

4

Dread Disease Recuperation Benefit

This benefit applies to an Insured Person who contracts cancer, sustains a heart attack or a stroke, or undergoes a Coronary Artery By-pass surgery

5

Medical Emergency Evacuation

Covers the medically necessary expenses incurred in moving the insured person to the nearest hospital for appropriate care  

holding hands

Find a Plan that Meets Your Needs

Description Essential Plus Economy Plus Executive Plus International Plus
Annual Overall Limit
Description Essential Plus Economy Plus Executive Plus International Plus
Annual Overall Limit
(Max. amount per person per Policy Year)
S$275,000 S$400,000 S$850,000 S$1,250,000
Hospital Benefit
Description Essential Plus Economy Plus Executive Plus International Plus
All Hospital Services As Charged As Charged As Charged As Charged
Daily Hospital Room & Board
(per day)
4 Bedded
Singapore Private Hospital
2 Bedded
Singapore Private Hospital
Standard 1 Bedded Singapore Private Hospital Standard 1 Bedded Singapore Private Hospital
Intensive Care Unit
(per day)
As Charged As Charged As Charged As Charged
Surgeon’s Fees As Charged As Charged As Charged As Charged
Day Surgery
(including minor surgical procedure in clinic)
As Charged As Charged As Charged As Charged
Daily In-Hospital Physician’s Visit As Charged As Charged As Charged As Charged
Pre-Hospitalization/Surgery Diagnostic Services
(within number of days prior to admission)
As Charged
(90 Days)
As Charged
(90 Days)
As Charged
(120 Days)
As Charged
(120 Days)
Pre-Hospitalization/Surgery Specialist’s Consultation includes medication
(within number of days prior to admission)
As Charged
(90 Days)
As Charged
(90 Days)
As Charged
(120 Days)
As Charged
(120 Days)
Post-Hospitalization / Surgery Treatment
(up to number of days following discharge from Hospital)
As Charged
(90 Days)
As Charged
(90 Days)
As Charged
(120 Days)
As Charged
(120 Days)
Lodger Benefits
(for Child below age 12)
As Charged As Charged As Charged As Charged
Local Ambulance Fee As Charged As Charged As Charged As Charged
Home Nursing
(up to 26 weeks per Policy Year)
N.A. N.A. As Charged As Charged
Outpatient Treatments
Description Essential Plus Economy Plus Executive Plus International Plus
Outpatient Kidney Dialysis
(per Policy Year)
S$30,000 S$70,000 S$100,000 S$120,000
Outpatient Cancer Treatment
(per Policy Year)
S$30,000 S$70,000 S$100,000 S$120,000
Emergency Outpatient Treatment
(Within 24 hours of Accident)
As Charged As Charged As Charged As Charged
Emergency Dental Treatment Following Accident
(Within 24 hours of Accident)
S$3,000 S$5,000 S$8,000 S$10,000
Organ Transplantation
Description Essential Plus Economy Plus Executive Plus International Plus
Organ Transplantation
(Bone Marrow, Heart, Kidney, Liver, Lung)
including the direct costs of up to 20% of the transplantation costs to remove an organ for transplant – 24 months Waiting Period
S$100,000 S$120,000 S$150,000 S$250,000
Prosthetic Treatment
Prosthetic Treatment
(per Policy Year)
S$3,000 S$5,000 S$8,000 S$10,000
Maternity Benefits
Description Essential Plus Economy Plus Executive Plus International Plus
Miscarriage due to Accident
(per pregnancy)
S$2,500 S$3,500 S$4,500 S$5,500
Maternity Care
(12 months waiting period; Maximum amount per Policy Year)
N.A. N.A. N.A. S$8,000

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
Dread Disease Recuperation Benefit
Description Essential Plus Economy Plus Executive Plus International Plus
Coronary Artery By-Pass Surgery, Heart Attack, Cancer, Stroke
(One-time lump sum payment)
S$1,000 S$3,000 S$4,000 S$5,000
Special Grant
(One-time lump sum payment)
S$3,000 S$5,000 S$8,000 S$10,000
Permanent Total Disability
(Reduced to 50% when Insured Person is a manual worker; one-time lump sum payment)
N.A. N.A. N.A. S$40,000
Medical Evacuation / Repatriation (Annual Overall Limits do not apply)
Description Essential Plus Economy Plus Executive Plus International Plus
Emergency Medical Evacuation/Repatriation
(per occurrence
Unlimited Unlimited Unlimited Unlimited
Repatriation of Mortal Remains
(per occurrence)
S$10,000 S$10,000 S$20,000 S$30,000
Mobility Aids and Medical Appliances S$500 S$1,500 S$2,000 S$2,500
Inpatient Psychiatric Treatment S$1,000 S$1,500 S$2,000 S$3,000
Complications of Pregnancy S$1,000 S$1,500 S$2,000 S$3,000
Taxi Fare For Travelling To and From Hospital within Singapore
(Arising from a day surgery procedure or Hospital Admission)
As Charged As Charged As Charged As Charged

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 Plus, Executive Plus or International Plus Plan. The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.


Premium Saving 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.


Annual Premium Table For Standard Lives Only (SGD)

Age Band Essential Plus Economy Plus Executive Plus International Plus Outpatient Services
(rider)
Singapore Only - Female
Age Band Essential Plus Economy Plus Executive Plus International Plus Outpatient Services
(rider)
17- S$575.00 S$753.00 S$829.00 S$1,188.00 S$1,209.00
18 to 24 S$715.00 S$865.00 S$966.00 S$1,325.00 S$1,105.00
25 to 29 S$764.00 S$972.00 S$1,063.00 S$1,461.00 S$1,204.00
30 to 34 S$864.00 S$1,105.00 S$1,231.00 S$1,701.00 S$1,308.00
35 to 39 S$993.00 S$1,269.00 S$1,471.00 S$2,023.00 S$1,660.00
40 to 44 S$1,181.00 S$1,584.00 S$1,778.00 S$2,374.00 S$1,878.00
45 to 49 S$1,351.00 S$1,794.00 S$2,046.00 S$2,763.00 S$2,246.00
50 to 54 S$1,730.00 S$2,230.00 S$2,516.00 S$3,350.00 S$2,486.00
55 to 59 S$2,197.00 S$3,117.00 S$3,786.00 S$4,926.00 S$3,133.00
60 to 64 S$3,014.00 S$3,776.00 S$4,603.00 S$5,975.00 S$4,081.00
65 to 69 S$3,657.00 S$4,603.00 S$5,603.00 S$7,251.00 S$4,870.00
70 to 75 S$4,569.00 S$6,538.00 S$7,960.00 S$9,477.00 S$5,900.00
76 to 80 S$5,940.00 S$8,499.00 S$10,348.00 S$12,319.00 S$7,669.00
Singapore Only - Male
Age Band Essential Plus Economy Plus Executive Plus International Plus Outpatient Services
(rider)
17- S$586.00 S$767.00 S$843.00 S$1,211.00 S$1,231.00
18 to 24 S$694.00 S$839.00 S$939.00 S$1,285.00 S$1,018.00
25 to 29 S$721.00 S$911.00 S$998.00 S$1,376.00 S$1,107.00
30 to 34 S$801.00 S$1,016.00 S$1,132.00 S$1,575.00 S$1,204.00
35 to 39 S$908.00 S$1,150.00 S$1,332.00 S$1,851.00 S$1,530.00
40 to 44 S$1,087.00 S$1,439.00 S$1,612.00 S$2,191.00 S$1,730.00
45 to 49 S$1,253.00 S$1,631.00 S$1,862.00 S$2,563.00 S$2,068.00
50 to 54 S$1,710.00 S$2,185.00 S$2,463.00 S$3,308.00 S$2,290.00
55 to 59 S$2,271.00 S$3,210.00 S$3,895.00 S$5,077.00 S$2,882.00
60 to 64 S$3,474.00 S$4,390.00 S$5,342.00 S$6,837.00 S$3,752.00
65 to 69 S$4,326.00 S$5,482.00 S$6,653.00 S$8,493.00 S$4,477.00
70 to 75 S$5,409.00 S$7,787.00 S$9,450.00 S$11,096.00 S$5,423.00
76 to 80 S$7,031.00 S$10,123.00 S$12,287.00 S$14,425.00 S$7,047.00
Global (Except US / Canada / Japan) - Female
Age Band Essential Plus Economy Plus Executive Plus International Plus Outpatient Services
(rider)
17- S$990.00 S$1,297.00 S$1,422.00 S$2,044.00 S$1,981.00
18 to 24 S$1,230.00 S$1,485.00 S$1,662.00 S$2,276.00 S$1,812.00
25 to 29 S$1,314.00 S$1,669.00 S$1,826.00 S$2,513.00 S$1,975.00
30 to 34 S$1,485.00 S$1,897.00 S$2,114.00 S$2,923.00 S$2,144.00
35 to 39 S$1,624.00 S$2,075.00 S$2,408.00 S$3,309.00 S$2,593.00
40 to 44 S$2,029.00 S$2,724.00 S$3,055.00 S$4,081.00 S$3,082.00
45 to 49
 
S$2,324.00 S$3,082.00 S$3,520.00 S$4,750.00 S$3,683.00
50 to 54
 
S$2,973.00 S$3,832.00 S$4,325.00 S$5,757.00 S$4,077.00
55 to 59
 
S$3,777.00 S$5,356.00 S$6,506.00 S$8,467.00 S$5,137.00
60 to 64 S$5,182.00 S$6,492.00 S$7,909.00 S$10,273.00 S$6,693.00
65 to 69 S$6,285.00 S$7,910.00 S$9,632.00 S$12,466.00 S$7,986.00
70 to 75 S$7,853.00 S$11,238.00 S$13,680.00 S$16,286.00 S$9,674.00
76 to 80 S$10,208.00 S$14,607.00 S$17,787.00 S$21,173.00 S$12,577.00
Global (Except US / Canada / Japan) - Male
Age Band Essential Plus Economy Plus Executive Plus International Plus Outpatient Services
(rider)
17- S$1,008.00 S$1,321.00 S$1,448.00 S$2,082.00 S$2,017.00
18 to 24 S$1,192.00 S$1,441.00 S$1,612.00 S$2,208.00 S$1,669.00
25 to 29 S$1,238.00 S$1,568.00 S$1,714.00 S$2,363.00 S$1,815.00
30 to 34 S$1,377.00 S$1,745.00 S$1,942.00 S$2,707.00 S$1,975.00
35 to 39 S$1,485.00 S$1,882.00 S$2,181.00 S$3,028.00 S$2,389.00
40 to 44 S$1,869.00 S$2,472.00 S$2,769.00 S$3,764.00 S$2,838.00
45 to 49
 
S$2,151.00 S$2,804.00 S$3,197.00 S$4,407.00 S$3,392.00
50 to 54
 
S$2,938.00 S$3,755.00 S$4,232.00 S$5,682.00 S$3,755.00
55 to 59
 
S$3,902.00 S$5,519.00 S$6,695.00 S$8,726.00 S$4,726.00
60 to 64 S$5,972.00 S$7,545.00 S$9,178.00 S$11,751.00 S$6,154.00
65 to 69 S$7,437.00 S$9,421.00 S$11,436.00 S$14,594.00 S$7,340.00
70 to 75 S$9,296.00 S$13,383.00 S$16,245.00 S$19,072.00 S$8,891.00
76 to 80 S$12,086.00 S$17,401.00 S$21,121.00 S$24,794.00 S$11,557.00
Important Notes:

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 60 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 US / 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 1st August 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 60 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.

Cancelation Clause

The Company reserves the right to terminate the coverage at any time giving 30 days’ notice in writing to the Insured. Whenever such cancelation 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. Cancelation shall be without prejudice to any claim origination prior to the effective date of cancelation

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 in Circumstances

In the event of a change in circumstances affecting the risk, the Insured shall notify the Company in writing in particular changes in occupation/ country of residence, or health affecting any Insured or Insured Person. 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-Authorization For Hospitalization in Private Hospitals

Pre-authorization 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)