What is this product about?

This policy covers the cost of medical treatment incurred by your employee(s) for hospitalisation due to sickness or accident.

What are the covers / benefits provided?

This policy covers for actual hospitalization incurred:

• Hospital Room & Board
• Intensive Care Room
• Hospital General Fees
• Surgery Fees
• In-Hospital Doctor Visit
• Pre-Hospitalization
• Post Hospitalization
• Emergency Dental Treatment due to Accidental
• Emergency Out-Patient Treatment due to Accident
• Additional Major Surgical
• Ambulance Fee
• Government Hospital Daily Cash Allowance

Period of Insurance

Duration of cover is for one year. You need to renew your insurance Policy annually.

How much premium do I have to pay?

The premium you have to pay may vary depending on the plan selected, geographical limit, group size of your employees, the ages, health conditions of your employees and our underwriting requirements.

What is the payment mode and how do I pay the premium?

This is an annual policy and you may pay your premium in full either by cash or cheque or bank transfer.

What are some of the key terms and conditions that I should be aware of?

• Duty of disclosure
  - You must give all the facts which you know or ought to know.
  - You must ensure that the proposal form is completed accurately as it forms the basis of the insurance contract.
• Claim Notification
  - In the event of a claim, you must notify us as soon as reasonably possible, but no later than 30 days from the first date of the treatment or from the date of the accident.
  - You must submit the claim documents to us within 30 days from the date you are allowed to discharge from the hospital or such further time as we may in writing allow.
• Waiting Period
  Your eligibility for benefits under the policy will only start thirty (30) days after the effective date of the policy except for accidental injury.
• Pre-existing Conditions
  Any injury or sickness for which an Insured (if applicable) received consultation, medical treatment, diagnosis, care or service, or took prescribed drugs or medicine within a period of twelve (12) months prior to the effective date of insurance for that member.
• Specific Illness
  The following disabilities and its related complications, occurring within the first 120 days of Insurance of the insured Person:
  • Hypertensive, diabetes mellitus and cardiovascular disease;
  • All tumors, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;
  • All ear, nose (including sinuses) and throat conditions;
  • Hernias, hemorrhoids, fistulae, hydrocele, varicocele;
  • Endometriosis including disease of the reproduction system;
  • Vertebrae-spinal disorders (including disc) and knee conditions.
• Premium Warranty
  Premium must be paid in full and received by us within 30 days from the inception date of the cover, otherwise the cover is automatically cancelled and you will still be responsible to pay the proportion of premium for the period we have been on risk.

What are the major exclusions under this policy?

This insurance does not cover:

1. Pre-existing illness
2. Specified illness occurring during the first 120 days of continuous cover
3. Waiting period – any medical or physical conditions arising within the first 30 days of the Insured Person’s cover
4. Congenital conditions – any medical or physical abnormalities existing at the time of birth
5. Cosmetic or plastic surgery, eye examination, dental, pregnancy, childbirth, miscarriage, abortion
6. Illegal drugs, intoxication, AIDS/HIV related diseases
7. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane, psychotic, mental or nervous disorders
8. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste
9. War, strikes, riots and civil commotion, criminal or terrorist activities

Note: This list is not exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.

What are the pre-acceptance conditions for this product?

• No claims for the past 3 years.
• Insured has never been declined, cancelled or refused coverage previously.

Can I cancel my policy?

You may cancel the policy by giving Us ten (10) working days’ notice in writing. Upon cancellation, you are entitled to a refund of the premium based on the unexpired period of insurance less 10% administration charge provided no claims have been made during the current policy period.

No refund of premium for any cancellation of policy if premium is charged on minimum premium.