Enhanced Hospital Income
Key features
- Hospitalisation Cash Benefit
Relieve your financial stress with up to $400* daily cash benefit when hospitalised due to illness or injury. Receive twice the amount of up to $800* daily when admitted to the Intensive Care Unit (ICU) ward. - Day Surgery
Get extra support with our lump sum benefit payout for a day surgery procedure. - Get Well Cash
Focus on your recovery upon discharge from the hospital or day surgery and receive up to $200* daily from us. - No Claim Refund
Get rewarded for staying claim-free with a 20% refund of paid premiums.
*Cover and limits are based on Premier plan
Highlights
Hassle-Free Application
Get covered immediately upon approval. No medical questionnaire is needed!
Spouse Discount
Enjoy 10% off total premiums when you include your spouse in the same policy.
Flexible Premium Payment
Choose between monthly or annual premiums.
Plan details
| BENEFITS | CLASSIC PLAN | SILVER PLAN | PREMIER PLAN |
|---|---|---|---|
Daily hospitalisation cash(up to 365 days per Disability) |
$150 per day | $250 per day | $400 per day |
ICU daily hospitalisation cash(up to 30 days per Disability) |
$300 per day | $500 per day | $800 per day |
Day surgery cash(up to 10 occurrences per Disability) |
$150 per occurrence |
$150 per occurrence |
$150 per occurrence |
Get well cash(up to 5 days per Disability) |
$75 per day | $125 per day | $200 per day |
No Claim Refund |
20% refund on premium paid if no claim is made under the policy (excluding GST) | ||
Note: The maximum period specified under benefits 1 and 2 in aggregate for any one disability is three hundred and sixty-five (365) days. The maximum benefit limit above for any one disability apply to that disability regardless of how many times the policy is renewed. All the benefits listed under 1 to 4 are payable over and above any other insurance coverage that you may already have.
| No. | Questions & Answers | |
|---|---|---|
| 1 |
Who can enrol for this insurance?
Provided all persons to be insured are residing in Singapore. |
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| 2 |
What is a pre-existing condition? Any Injury, Illness, condition or symptom which existed before the commencement date of the policy for the insured person concerned, for which treatment or medication or advice or diagnosis has been sought or received or was foreseeable, or which before the commencement date of the policy presented signs or symptoms of which the insured person was aware or should reasonably have been aware. |
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| 3 |
Is there any waiting period? You cannot claim if the hospitalisation or day surgery for treatment of any Illness occurs within thirty (30) days from the commencement date of your policy or after the thirty (30) days period, which was follow-up medical treatment(s), consultation(s) or further investigation(s) of the insured person for the same condition for which he/she received medical treatment or consultation or investigation during that thirty (30) days period, and consequences or complications related to such conditions. |
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| 4 |
Will I be covered if I lived outside Singapore? The cover lapses if you lived outside Singapore for a continuous period of more than six (6) months. |
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| 5 |
Can I add my spouse later in the policy? Your spouse can purchase the policy separately if you did not apply together during the first commencement of your policy. In this instance, the 10% discount on premiums does not apply. |
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| 6 |
What are the policy exclusions? The key exclusions are war and terrorism, radioactive and nuclear activity, pre-existing conditions, routine medical examinations, pregnancy or childbirth or miscarriage, mental illness, dental treatment, full time military service, uniformed groups and occupations excluded under the insurance. The full details of the exclusions are contained in the policy. |
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| 7 |
How does No Claim Refund works? If no claim is made in the policy year, we will refund 20% of the premiums that you have paid (excluding GST) at the next policy year within 60 days. |
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