Key benefits
No exclusion of specific illness imposed
Repatriation expenses of mortal remains
No minimum hours required for hospital confinement
Personal accident (due to non-work related injury)
Provides Covid-19 cover for new workers entering Singapore
Find A Plan That Meets Your Needs
Description
Basic Plan
Basic Plus Plan
A. Hospitalisation
Basic Plan
Basic Plus Plan
Limit Per Insured Person
Basic Plan
S$60,000 Per Disability
Basic Plus Plan
S$60,000 Per Disability
Co-Insurance
i) Applicable to eligible claim amount exceeding S$15,000 limit Per Disability
ii) Applicable to item no. 1 to 10 under Section A
Basic Plan
25%
Basic Plus Plan
0%
1. Hospital Room & Board
(Based on 4 Bedded Singapore Government/Restructured Hospital charges)
2. Intensive Care Unit
3. Hospital Miscellaneous Services
4. Surgical Fee
5. In-Hospital Physician's Visit
6. Pre-Hospitalisation Diagnostic X-ray & Lab Test
(Within 90 days prior to hospitalisation or day surgery)
7. Pre-Hospitalisation Specialist Consultation Fees
(Within 90 days prior to hospitalisation or day surgery)
8. Post-Hospitalisation Treatment
(Within 90 days following discharge from Hospital)
9. Claim Medical Report Fees
10. Rehabilitation in Community Hospital
Basic Plan
As Charged Up To Per Disability Limit
Basic Plus Plan
As Charged Up To Per Disability Limit
11. Pre-Existing Conditions
Basic Plan
Covered
Basic Plus Plan
Covered
B. Additional Benefits
Basic Plan
Basic Plus Plan
1. Special Grant Per Person
2. Repatriation Expenses of Mortal Remains
3. Personal Accident (due to non-work related)
Basic Plan
S$3,000
S$2,000
S$10,000
Basic Plus Plan
S$3,000
S$2,000
S$10,000
Pro-ration Factors
Admitted into a higher ward or Private Hospital
Insured Pays
Private Hospital
Insured Pays
45% of the eligible claim amount
A1 Class in Singapore Government/Restructured Hospitals
Insured Pays
35% of the eligible claim amount
A2 Class in Singapore Government/Restructured Hospitals
Insured Pays
25% of the eligible claim amount
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Notes
Available only to Work Permit or S Pass Holders whose entry age is 65 years & below (at last birthday).
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.
- Routine medical examination (including vaccination, the issue of medical certificates and attestations) confinement in the hospital to facilitate the taking of X-Ray or conduct of test
- Treatment relating to birth defects, congenital abnormalities and hereditary conditions
Key Product Provisions
The Company reserves the right to terminate the coverage at any time giving 30 days’ notice in writing to the Insured. 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.
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.
24 hours coverage within Singapore
| Annual claim limit of at least $60,000, inclusive of a first-dollar cover of $15,000 | Yes |
| For portion of the bill above $15,000, the employer must co-pay up to 25% (to the hospital) | Yes |
| Exclusions are in line with MOM's list of allowable exclusions | Yes |
| Age-differentiated premiums are in 2 age bands: (1) ≤50 years old and (2) >50 years old | Yes |
| Insurers will reimburse our portion of the hospital bill to hospitals directly upon admissibility of the medical claim | Yes |
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 (sgservicecenter@libertymutual.com) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)