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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  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  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

  Sum Insured 
CoverageElite PlanDeluxe PlanPlatinum Plan

Overall maximum annual limit per insured person per period of insurance subject to the sub-limits as stated below

$900,000

$1,500,000

$3,000,000

1) HOSPITAL & RELATED SERVICES


Inpatient Hospital Treatment and Services including accommodation up to the cost of a standard class single-bed air-conditioned room


Adult’s Hospital Accommodation

Adult staying with an insured child patient of not more than 18 years old


Doctor’s/Surgeon’s/Anaesthetist’s or Physiotherapist fees and Specialist consultations and visits


Intensive Care Unit


Cancer Treatment

(inpatient and outpatient)


Kidney Dialysis

(inpatient and outpatient)


Organ Transplantation

The operation costs for kidney, heart, liver, lung or bone marrow transplants, excluding costs incurred by a donor or acquisition costs of organs


Day Care Surgery


Inpatient Psychiatric Treatment

The medically necessary Psychiatric Treatment up to a maximum of 30 days commencing after 24 consecutive months from the commencement of cover of the Insured Person, or the date of reinstatement of his/her cover by the Company, whichever is later


Home Nursing Care

Up to maximum of 26 weeks following discharge from Hospital


Casualty Ward Accident Services

Medical treatment as an outpatient at a Hospital or Clinic for a covered Injury following an Accident which an Insured Person had obtained medical attention within 24 hours of the Accident. Includes follow up treatment up to 30 days from the date of the Accident


Casualty Ward Emergency Services

Medical emergency arising from a covered Illness as an outpatient at a Hospital


Accident Dental Cover

Dental treatment required to restore or replace sound natural teeth lost or damaged in an Accident within 14 days following such an Accident


Local Ambulance Services

Pays for ambulance transport to local Hospital provided the Insured Person is warded as an inpatient for treatment of a covered Illness or Injury

Up to $300,000

Up to $500,000

Up to $1,000,000

Outpatient Alternative Treatment

Treatment by a Physiotherapist, Registered Chiropractor, Registered Chinese Physician and/or Acupuncturist for a covered injury or illness

Up to $750

Up to $1,000

Up to $2,000

Artificial Limbs

Pays for costs associated with fitting an artificial body part prescribed by the treating Doctor as medically necessary

Up to $500

Up to $1,000

Up to $1,500

Mobility Aids

Pays for costs of purchasing or renting of mobility aids prescribed by the treating Doctor as medically necessary

Up to $300

Up to $400

Up to $500

Pre-Hospital Specialist Consultation and Diagnostic Services

Within 120 days
of hospital admission

Within 120 days
of hospital admission

Within 180 days
of hospital admission

Post-Hospital Follow Up Treatment

Up to 120 days
after discharge

Up to 120 days
after discharge

Up to 180 days
after discharge

2) INCREASED INTERNATIONAL COVER


Automatic increase of Hospital and Related Services cover when outside an Insured Person’s Usual Country of Residence and Home Country

From $300,000
Up to $600,000

From $500,000
Up to $1,000,000

From $1,000,000
Up to $2,000,000

3) OVERSEAS EMERGENCY MEDICAL EVACUATION AND REPARTRIATION,
REPARTRIATION OR LOCAL BURIAL OF MORTAL REMAINS OR LOCAL CREMATION^^

Up to $300,000

Up to $500,000

Up to $1,000,000

4) COMPASSIONATE GRANT


We will pay the benefit amount in the event the Insured Person dies from a covered Injury or a covered Illness as a registered Inpatient during the treatment for such Illness at the Hospital or within 90 days after discharge from the Hospital, in the Insured Person's Usual Country of Residence

$3,000

$5,000

$8,000

ADDITIONAL BENEFITS* (per insured person per period of insurance)

A. Emergency Medical Advice And Travel Assistance

  • Emergency Medical Advice and Assistance

  • International Travel Assistance Services

Provided

Provided

Provided

B. Compassionate Travel

Cost of an economy class return airfare from the Usual Country of Residence of an Insured Person to attend the funeral of a close family member

Not Covered

Covered

Covered

C. Miscarriage (Or Abortion) Due To Accident 

$3,000

$4,000

$5,000

D. Outpatient Services

  • General Practitioner and Specialist consultations with prescribed treatment

  • Diagnostic services and prescription drugs

Not Covered

Not Covered

Up to $25,000
subject to deductible
of $100 per claim
or course of treatment

OPTIONAL MATERNITY BENEFITS*
Ante-natal, childbirth and post-natal treatment for the mother. Applicable to pregnancies which begin at least 365 days from the date of commencement of cover under this benefit

Normal Delivery

Not Applicable

Up to $6,000

Up to $6,000

Complicated Delivery as defined in the policy

Not Applicable

Up to $15,000

Up to $15,000

*The Additional Benefits and Maternity Benefit are not subject to the Overall Maximum Annual Limit.

^^Applies outside an Insured Person’s Country of Residence and Home Country.

Premiums

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


 Elite PlanDeluxe PlanPlatinum Plan
Age Last BirthdayMaleFemaleMaleFemaleMaleFemale

15 days to 17 years

$570 $610 $660 $740 $890 $910

18 - 29

$740 $750 $870 $880 $1,200 $1,050

30 - 34

$910 $920 $970 $1,090 $1,220 $1,440

35 - 39

$930 $1,000 $990 $1,210 $1,350 $1,860

40 - 44

$1,060 $1,170 $1,100 $1,230 $1,680 $2,280

45 - 49

$1,290 $1,300 $1,450 $1,480 $1,890 $2,710

50 - 54

$1,570 $1,580 $1,710 $1,740 $2,440 $2,920

55 - 59

$2,080 $2,020 $2,250 $2,320 $3,320 $3,500

60 - 64

$2,990 $2,520 $3,080 $2,720 $4,650 $4,440

FOR RENEWALS ONLY

65

$3,440 $2,890 $3,770 $3,180 $5,640 $4,770

66

$3,610 $3,030 $3,960 $3,340 $5,920 $5,010

67

$3,770 $3,170 $4,140 $3,490 $6,190 $5,240

68

$3,940$3,310 $4,330 $3,650 $6,470 $5,480

69

$4,040$3,400 $4,440$3,740 $6,640$5,620

70

$5,000 $4,300 $5,510 $4,730 $7,320 $6,300

71

$5,240 $4,520 $5,780 $4,960 $7,680 $6,610

72

$5,490 $4,730 $6,050 $5,200 $8,040 $6,920

73

$5,730 $4,940 $6,320 $5,430 $8,400 $7,230

74

$5,880 $5,060 $6,480 $5,570 $8,620 $7,420

75

$6,780 $5,840 $7,480 $6,420 $9,510 $8,190

76

$7,120 $6,130 $7,840$6,730 $9,970$8,590

77

$7,450 $6,420 $8,210$7,040 $10,440$8,990

78

$7,780 $6,700 $8,580$7,360 $10,900$9,400

79

$7,980 $6,880 $8,800$7,550 $11,180$9,640

Optional Covers: Additional Annual Premium
Maternity Benefit - Applicable to Female Insured Person on Platinum and Deluxe Plans

(Singapore dollars, inclusive of 7% GST)

21 - 39

-- -$1,580 -$1,580

40 - 45

-- -$2,400 -$2,400

Note: The above annual premium is effective 2 April 2017.

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.

Compare

Prestige HealthcareHospital CashPlus

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. 

Hospitalisation Cash Benefit 

Free yourself from financial worries with MSlG's hospital insurance. We pay cash benefits of up to $225,000 if you are hospitalised in Singapore and overseas, or outside of your home country.

Increased International Cover

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

Recuperation Cash Benefit

Receive a well-wishing gift from us with $1,000 recuperation cash benefit paid out upon discharge from your hospital stay of at least 7 days.

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*.

Emergency Outpatient Benefit

We reimburse you up to $1,000 worth of emergency outpatient medical treatment expenses following an accident.

Outpatient Alternative Treatment

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

Overseas Medical Evacuation and Repatriation

Even when you are far from home, Hospital CashPlus continues to protect you. We cover you for emergency medical evacuation and repatriation of up to $200,000.

*Cover and limits are based on Platinum Plan

Discount off Renewal Premium

For every 12 months you stay claim-free, we reward you with 25% savings on your renewal premiums.

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