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Benefits

Receive the best health insurance care with Prestige Healthcare, a plan offering exceptionally high cover limits, giving you access to state-of-the-art treatment options.

Hospital and Surgical Cover
Benefit from our strong hospital insurance coverage with over $3 million for inpatient and outpatient treatments, cancer treatments, organ transplants, casualty ward accident services and more.

Increased International Cover
We expand your international cover immediately from $1 million to $2 million* if you are hospitalised while overseas.

Overseas Medical Evacuation and Repatriation
Stay protected no matter where you are with our overseas emergency medical evacuation and repatriation cover of up to $1 million*.

Outpatient Alternative Treatment
You are entitled to up to $2,000 for alternative treatment by a physiotherapist, registered Chinese physician, acupuncturist or chiropractor.

*Cover and limits are based on Platinum Plan


24/7 Helpline
Our emergency hotline ensures there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.

Claims Made Easy
Your hospital expenses are settled directly by us so you can enjoy cashless service. We keep our process as simple as possible to bring your hospital insurance claim to a fair settlement.

Plans

Premiums

Annual Premium Per Insured Person (inclusive of 7% GST)

FAQs

1. Who is eligible for this insurance?

Persons aged between 18 years and below 65 years old with his or her Usual Country of Residence in Singapore are eligible to apply for the insurance.

A child aged at least 15 days following his/her normal healthy birth and not more than 18 years may be insured provided one of the parents is insured at the same time and their Usual Country of Residence is Singapore.


2. What is the covered limit for inpatient and outpatient treatment?

The covered limit for each of the inpatient and outpatient benefit varies and is subject to an Overall Maximum Annual Limit for each Insured Person depending on the Plan selected. Please refer to the Summary of Benefits in the Product Benefits attachment for the applicable limits.

The Overall Maximum Annual Limit is not applicable to the following benefits:
• Emergency Medical Advice and Travel Assistance
• Compassionate Travel
• Miscarriage (or Abortion) due to Accident
• Outpatient Services
A separate limit applies to the Maternity Benefit if this optional cover is purchased.


3. I plan to seek medical treatment for my illness overseas. Will this be covered?

The Insured Person shall obtain medical treatment in his/her Usual Country of Residence except for emergency treatment which require immediate attention, in respect of an Accident or acute Illness occurring during business or holiday travel of not exceeding 90 days each trip.

Elective treatment is not covered.


4. Does the Maternity Benefit cover complications during pregnancy or miscarriage?

The Maternity Benefit is an optional cover insuring the cost of ante-natal, childbirth and post-natal treatment for the mother including complications during pregnancy and Complicated Delivery as defined in the policy.

Miscarriage or treatment cost for the termination of pregnancy due to medical grounds is also covered under the Maternity Benefit.


5. Will I be able to obtain cover if I have a pre-existing medical condition which is not serious?

The policy does not cover any pre-existing medical conditions. All applications are subject to underwriting assessment and terms and conditions agreed by us before cover can be effected.


6. What is a Deductible? Are any of the benefits subject to Deductible?

A deductible is the amount an Insured Person must contribute towards the cost of each claim or course of treatment during any one Period of Insurance.

A Deductible of $100 applies to the following benefits:
i) Casualty Ward Emergency Services
ii) Outpatient Services*


7. Please explain what is the Annual Aggregate Deductible.

This is a voluntary option and refers to the accumulative total amount of covered medical expenses (including covered claims resulting from Day Care Surgery) incurred by an Insured Person during any one Period of Insurance and borne by the Insured. In return for selection of this option, the Insured shall enjoy a percent discount off the premium rates.

This option is not available to the Optional Maternity Benefit.


8. What are the entry and renewal age limits?

The latest entry age for an adult enrolment is 64 years old (age last birthday) and renewability is up to age 80. The entry age for a child is 15 days from his/her normal healthy birth and is renewable up to age 18 or 21 years old if in full time formal education


9. Is there any waiting period?

Waiting Period applies to the following benefits:
i) Hospitalisation for treatment of any illness - 30 days
ii) Inpatient Psychiatric Treatment - 24 months
iii) Optional Maternity Benefit - applicable to pregnancies which begin at least 365 days

From the commencement of the insurance or the date of reinstatement of cover, whichever is later.

There is no waiting period for hospitalisation due to accidents.


10. Are the annual premiums fixed? Will a change in my occupation affect the annual premium?

The premium is age banded and increases as an Insured Person enters the next higher age band. The premium may also vary at renewal to reflect changes in risk or claim profile of the Insured Person and adjustments for medical inflation.

The nature of occupation of an Insured Person is one of the underwriting factors for continuation of the insurance. Please inform us if you have a change of occupation for re-assessment of the coverage terms and conditions.

* Applicable to Platinum Plan only.

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