Coverage
Death
Sum Insured payable to the Beneficiary in the event of death.
Cover actual expenses for Medically Necessary treatments of a Disability, including Inpatient treatments and Day Case Procedure
Cover actual expenses for treatments of a disability provided by Registered Medical Practitioner, Registered Chinese Medicine Practitioner, Registered Physiotherapist, Registered Chiropractor, Registered Specialist and Sports Therapist.
Cover actual expenses for Dental Services, including oral examination, scaling and polishing.
Cover actual expenses for designated health check-up plan.
Area of Coverage
Worldwide
Except that Outpatient, Dental and wellness benefits only cover expense incurred under the Network.
Claim Method
Lumpsum (applicable to death benefit)
We will pay in lumpsum to the Beneficiary in the event of death.
Reimbursement ( applicable to Inpatient and Day Care Procedures benefit )
1. We will reimburse the actual expenses incurred up to the benefit limit(s) set out in the table below
2. One Eligible Expenses item will only be reimbursable under one benefit item.
3. If the Insured Person is entitled to reimbursement of all or part of Inpatient and Day Case Procedure expenses from other sources and has been so reimbursed, we will only be liable for an amount in excess of the amount recovered from such other source.
Direct settlement by Insured Person (applicable to Outpatient and Dental benefits)
Insured Person will directly pay the amount of Co-Payment to the relevant Network clinic for the treatment or service it provides according to the table below. We will cover the rest and the Insured Person will not need to carry out any claim procedure.
Direct settlement by us (applicable to wellness benefit)
Insured Person will directly pay the amount of Co-Payment to the relevant Network clinic for the treatment or service it provides according to the table below. We will cover the rest and the Insured Person will not need to carry out any claim procedure.
All Employee /spouse /
child /parents
Employee /spouse
Child
Employee /spouse
Child
$20,000/Year
$50,000/Year
80%of Eligible Expenses
80%of Eligible Expenses
$200/Day
$500/Day
$200/Surgical Procedure
$500/Surgical Procedure
$200/Day
$500/Day
Included: oral examination, scaling and polishing
Fully Covered
1 Time per Policy Year
Fully Covered
1 Time per Policy Year
Items listed are for reference only. Please refer to the below attached document for details of all exclusions.
Items listed are for reference only. Please refer to the below attached document for details of all exclusions.