Standard cover

• Hospital Room & board (max 60 days)

• Intensive care unit room & board (max 10 days)

• Hospital miscellaneous services

• Surgery

• Specialist consultation, examination and laboratory test (pre-hospitalization charges) for a maximum of 90 days prior to admission

Post-hospitalization treatment maximum 90 days after discharge from hospital

Free additional coverage

• Repatriation of body remains benefit

This would apply when a non-work related death occurs.

• Permanent Total Disability benefit

This applies when a non-work related accident occurs.

! Important note

• The above insurance provides protection for foreign workers (excluding foreign domestic maids) for medical costs covering hospitalization, surgery and other related expenses as a result of non-work related sickness or accident within Singapore during the policy year.

• Work-injury related medical cost is subject to a limit of $15,000, is payable only after the compulsory Work Injury Compensation Act coverage for medical expenses is payable and the maximum limit had been exhausted.

• This policy comprises of coverage inclusive of a hospital room & board (Private, Government and/or Government restructured hospital), Intensive Care Unit room and board in Singapore.

• No co-insurance deductible applies with regard to this policy
  

The following list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

✖ Any known medical condition which has occurred before the issuance of the policy.

✖ Hospitalisation or surgical charges incurred for the treatment of congenital abnormalities or physical defects that have been in existence since birth.

✖ Out-patient treatment that is not related to in-patient treatment or day surgery except where it is resulting from an accident.

✖ Hospitalisation primarily for diagnosis, x-ray examinations, general physical or medical check-up.

✖ Treatment for obesity, weight reduction, correction of vision, prostheses and cosmetic, plastic and implants surgery.

✖ Payment for medical appliances, spectacles, lenses, hearing aids, wheel chairs.

✖Sexually transmitted diseases or communicable diseases requiring isolation or quarantine.

✖Treatments for pregnancy-related matters and miscarriage (except as a result of an accident).

✖Injury resulting from war and terrorism