proMedico

• 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
• 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.

• 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
• Dependent’s cover must be under the same plan and coverage level as the proposed Insured Member except Maternity Care benefit
• Proposal for children must include at least one parent and the choice of plan and coverage for child must be equal than that of the parent(s)
• Family discount (Discount will apply only at policy inception/renewal date. Discount is not applicable to mid-term inclusion/deletion of family members)
  - A 5% discount is allowed for the 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 the Policy is taken up by one parent and one child
  - Family discount does not apply to Outpatient benefits

• 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
• Please refer to the policy for detailed list of exclusions

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).

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.

• Geographical Cover: 
  Worldwide, 24 hours (there is no cover available for all persons domicile permanently in USA of whatever nationalities)
• 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 eligible medical expenses
• Medical Insurance for S Pass and Work Permit holders: 
  This product does not meet the enhanced Medical Insurance requirements by Ministry of Manpower (MOM) applicable to foreign workers who are S Pass and Work Permit holders
• Policy Period:
  Insurance will only commence when the proposal is accepted, the premium paid and accepted by Liberty Specialty Markets Singapore Pte. Limited
• 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
• 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
• Change in Circumstances:
  In the event of a change in circumstances affecting the risk, You must notify the Company in writing of the particular changes in occupation/Country of Residence, or health affecting You or any 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
• 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