Prestige Healthcare
Health Insurance

Prestige Healthcare<br/><sub>Health Insurance</sub>

Product Description

Offers exceptionally high cover limits, giving you access to state-of-the-art treatment options.

Key features

  • 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*.

Prestige Healthcare insurance plan highlights

Outpatient Alternative Treatment

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

Direct Settlement of Expenses with Hospital or Service Providers

Your hospital expenses are settled directly by us so you can enjoy cashless service.

Artificial Limbs and Mobility Aids Cover

You are covered up to $1,500* for artificial limbs and $500* for mobility aids following a covered injury or illness during the Period of Insurance.

Optional Maternity Benefits

Opt for additional maternity benefits for ante-natal, childbirth and post-natal treatments up to specified sublimits. This optional benefit is only available under the Deluxe and Platinum Plans.

Compassionate Travel

In the event of death of a close family member outside of Singapore, we pay for the cost of economy class return airfare for the Insured Person to attend the funeral, subject to policy terms and conditions.

*Cover and limits are based on Platinum Plan.

24/7 Helpline
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
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.


Plan details

Basic Cover
Platinum Plan Deluxe Plan Elite Plan

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

$3,000,000 $1,500,000 $900,000 

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 for 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 Injury or Illness

Up to $1,000,000 Up to $500,000 Up to $300,000

Outpatient Alternative Treatment

Treatment by a Physiotherapist, Registered Chiropractor, Registered Chinese Physician and/or Acupuncturist for a covered Injury or Illness

Up to $2,000 Up to $1,000 Up to $750

Artificial Limbs

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

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

Mobility Aids

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

Up to $500 Up to $400 Up to $300

Pre-Hospital Specialist Consultation and Diagnostic Services

Within 180 days of hospital admission Within 120 days of hospital admission Within 120 days of hospital admission

Post-Hospital Follow Up Treatment

Up to 180 days after discharge Up to 120 days after discharge Up to 120 days after discharge

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

From $1,000,000
Up to $2,000,000
From $500,000
Up to $1,000,000
From $300,000
Up to $600,000
Up to $1,000,000 Up to $500,000 Up to $300,000

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

$8,000  $5,000  $3,000 
Additional Benefits* (per insured person)

A. Emergency Medical Advice And Travel Assistance

  • Emergency Medical Advice and Assistance
  • International Travel Assistance Services

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

Covered Covered Not Covered

C. Miscarriage (Or Abortion) Due To Accident 

$5,000  $4,000  $3,000 

D. Outpatient Services

  • General Practitioner and Specialist consultations with prescribed treatment
  • Diagnostic services and prescription drugs
Up to $25,000
subject to deductible
of $100 per claim 
or course of treatment
Not Covered Not Covered
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

Up to $6,000 Up to $6,000 Not Applicable

Complicated Delivery as defined in the policy

Up to $15,000 Up to $15,000 Not Applicable
Important Notes:

*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.

Age 15 days to 64 years
Age Last Birthday Annual Premium Per Insured Person (inclusive of GST)
Platinum Plan Deluxe Plan Elite Plan
Male Female Male Female Male Female
15 days to 17 years $1,286.92 $1,315.80 $865.99 $980.48 $750.45 $802.29
18 - 29 $1,733.29 $1,524.54 $1,145.68 $1,158.62 $980.48 $992.34
30 - 34 $1,761.05 $2,084.18 $1,273.10 $1,438.32 $1,197.52 $1,208.30
35 -39 $1,957.57 $2,698.20 $1,297.93 $1,592.72 $1,222.35 $1,323.84
40 - 44 $2,432.81 $3,301.13 $1,451.27 $1,617.56 $1,400.51 $1,539.82
45 - 49 $2,740.39 $3,915.18 $1,909.11 $1,947.98 $1,706.10 $1,717.97
50 - 54 $3,538.75 $4,223.85 $2,252.47 $2,291.35 $2,061.36 $2,087.27
55 - 59 $4,810.14 $5,062.19 $2,967.32 $3,055.88 $2,736.24 $2,660.64
60 - 64 $6,738.86 $6,445.72 $4,068.74 $3,594.69 $3,940.23 $3,329.06
65 years and Above (For Renewals Only)
Age Last Birthday Annual Premium Per Insured Person (inclusive of GST)
Platinum Plan Deluxe Plan Elite Plan
Male Female Male Female Male Female
65 $8,181.22 $6,919.83 $4,973.60 $4,195.07 $4,540.60 $3,812.82
66 $8,588.73 $7,270.73 $5,229.53 $4,412.11 $4,769.52 $4,005.03
67 $8,979.59 $7,592.72 $5,457.37 $4,603.24 $4,973.60 $4,182.11
68 $9,385.99 $7,943.60 $5,712.21 $4,820.29 $5,177.70 $4,375.39
69 $9,624.70 $8,153.48 $5,866.62 $4,934.74 $5,305.12 $4,487.70
70 $10,619.62 $9,133.94 $7,269.30 $6,249.96 $6,568.49 $5,675.49
71 $11,138.15 $9,582.52 $7,626.70 $6,541.49 $6,887.06 $5,969.21
72 $11,655.58 $10,031.12 $7,983.06 $6,861.14 $7,206.65 $6,249.96
73 $12,174.14 $10,479.70 $8,340.47 $7,612.68 $7,524.13 $6,516.67
74 $12,497.25 $10,759.51 $8,557.51 $7,817.85 $7,728.22 $6,681.87
75 $13,785.27 $11,879.89 $9,871.65 $9,004.56 $8,900.90 $7,702.31
76 $14,458.16 $12,455.06 $10,342.43 $9,437.56 $9,347.92 $8,085.63
77 $15,145.48 $13,029.13 $10,841.31 $9,871.65 $9,780.93 $8,467.88
78 $15,803.95 $13,630.93 $11,323.98 $10,330.56 $10,215.02 $8,838.25
79 $16,209.24 $13,981.82 $11,618.79 $10,597.29 $10,482.81 $9,079.07
Maternity Benefit Cover (Optional)
Age Last Birthday Annual Premium Per Insured Person (inclusive of GST)
Platinum Plan Deluxe Plan Elite Plan
Male Female Male Female Male Female

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

21 – 39 _ $1,609.54 _ $1,609.54 _ _
40 – 45 _ $2,444.86 _ $2,444.86 _ _
Important Notes:

The above annual premium is effective 2 September 2023.

No. Questions & Answers

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.


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.


If I plan to seek my medical treatment outside Singapore, can I make a claim under the Overseas Daily Hospitalisation Cash benefit? 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 requires 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.


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.


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.


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:

  1. Casualty Ward Emergency Services 
  2. Outpatient Services (Applicable to Platinum Plan only)

Please explain 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. Please contact MSIG for the discount details.

This option is not available to the Optional Maternity Benefit.


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 79. 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.


Is there any waiting period?

Waiting Period applies to the following benefits:

  1. Hospitalisation for treatment of any illness – 30 days
  2. Inpatient Psychiatric Treatment – 24 months
  3. 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.


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.

Important Notice & Disclaimers

This page is for general information only. You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us here or visit GIA or SDIC.

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