Medical Coverage. promedico. Anytime, Anywhere. Liberty Insurance Pte Ltd (Registration No D)

Transcription

1 Liberty Insurance Pte Ltd (Registration No D) Medical Coverage Anytime, Anywhere 51 Club Street #03-00 Liberty House Singapore T LIBERTY ( ) F. (+65) OCT 2013 promedico

2 Be prepared for whatever life throws at you Many questions will begin popping up in your head as you mature and realize that your body is healing slower than you remember it. Questions like, do I have prompt access to medical attention? Can I afford the best treatment? And am I substantially covered? None of us likes to imagine ourselves falling ill, but the right health insurance can empower you with the choice of where and when you receive medical treatment. At Liberty Insurance, your well being is our priority. That is why when you insure with promedico, it opens the doors to 24-hour emergency assistance service worldwide whenever the need arises. Benefits at a Glance No surgical sub-limits Day surgery cover Outpatient cancer and kidney dialysis treatment 24-hour emergency assistance service worldwide Medical emergency evacuation

3 Schedule of Benefits Description of Benefits Essential Economy All Hospital Services Covered Covered Executive Covered International Covered Room & Board (per day) S$250 S$300 S$500 S$800 Intensive Care Unit (per day) S$500 S$800 S$1,000 S$1,200 Day Surgery Covered Covered Covered Covered Minor Surgical Procedure in an Outpatient Clinic Covered Covered Covered Covered Local Ambulance Services Covered Covered Covered Covered Pre-Hospital Diagnostic Services (Within 90 days preceding hospital admission) Post-Hospitalization Treatment (Within 90 days following discharge from hospital) Organ Transplantation (Max. amount per person per policy year) Emergency Outpatient Accidental Treatment (Within 24 hours of accident) Emergency Dental Treatment (Within 24 hours of accident) Nursing at home (Max. 26 weeks per policy year) Permanent Total Disability (Reduce to 50% when the Insured Person is a manual worker) Covered Covered Covered Covered Covered Covered Covered Covered Covered Covered S$150,000 S$200,000 Covered Covered Covered Covered Covered Covered Covered Covered N.A. N.A. N.A. Covered N.A. N.A. N.A. S$40,000

4 Schedule of Benefits Description of Benefits Essential Economy Executive International Outpatient Cancer and Kidney Dialysis Treatment (Max. amount per person per policy year) Lodger Benefit - For Child below age 12 (Max. amount S$100 per day) N.A. N.A. Covered Covered Emergency Medical Evacuation N.A. Unlimited Unlimited Unlimited Repatriation/Local Burial (Cover for death in home country is excluded) Maternity Care - 12 months waiting period (Max. amount per policy year) Annual Overall Limit (Max. amount per person per policy year) Rider-Outpatient Services (Optional) Includes: General Outpatient Services Specialist Outpatient Services Laboratory and X-Ray Services Prescribed Drugs S$10,000 S$20,000 S$30,000 S$50,000 N.A. N.A. S$10,000 S$20,000 N.A. N.A. N.A. S$5,000 S$50,000 S$100,000 S$250,000 S$800,000 Max. amount: S$8,000 per person per Policy Year Co-insurance: 20% subject to a min. Deductible of S$90 per disability (this Deductible/Co-insurance applies worldwide) The information provided here is a summary. Please refer to the actual wordings for the terms and conditions. More information about promedico is available on our website Premium Saving Options Deductible Limits per person per disability S$5,000 S$7,500 S$10,000 Discount 30% 40% 50% Deductible does not apply to Outpatient Cancer and Kidney Dialysis Treatment, Organ Transplantation and Permanent Total Disability

5 Annual Premium Table 1 Standard Lives Only Age Next Birthday Essential Plan 18 to 24 S$300 Economy Plan S$415 Singapore Only Executive Plan S$517 International Plan S$744 Rider Outpatient Services S$ to 29 S$331 S$459 S$571 S$822 S$ to 34 S$380 S$528 S$658 S$947 S$ to 39 S$424 S$590 S$736 S$1,058 S$ to 44 S$486 S$679 S$848 S$1,221 S$ to 49 S$576 S$807 S$1,010 S$1,453 S$ to 54 S$702 S$989 S$1,240 S$1,783 S$ to to to 69 (Renewal Only) 70 to 75 (Renewal Only) Child S$873 S$1,232 S$1,546 S$2,224 S$1,106 S$1,098 S$1,552 S$1,948 S$2,803 S$1,364 S$1,367 S$1,928 S$2,419 S$3,482 S$1,716 S$1,914 S$2,699 S$3,870 S$4,875 S$2,231 S$224 S$311 S$387 S$557 S$330 The rates apply to Proposers/Insured Persons domiciled in Singapore If the Insured Person lives/travels outside Singapore for a continuous period of more than 60 days, eligible expenses subsequently incurred outside Singapore will be limited to reasonable and customary charges as if such expenses were incurred in Singapore

6 Annual Premium Table 2 Standard Lives Only Age Next Birthday Essential Plan 18 to 24 S$524 Global (Except USA/Canada/Japan) Economy Plan S$726 Executive Plan S$905 International Plan S$1,301 Rider Outpatient Services S$ to 29 S$579 S$803 S$1,000 S$1,439 S$ to 34 S$664 S$924 S$1,151 S$1,657 S$ to 39 S$741 S$1,032 S$1,386 S$1,852 S$1, to 44 S$851 S$1,188 S$1,705 S$2,137 S$1, to 49 S$1,010 S$1,437 S$2,090 S$2,542 S$1, to 54 S$1,261 S$1,781 S$2,585 S$3,120 S$1, to to to 69 (Renewal Only) 70 to 75 (Renewal Only) Child S$1,590 S$2,255 S$3,284 S$3,933 S$2,145 S$1,994 S$2,819 S$4,070 S$4,901 S$2,668 S$2,486 S$3,515 S$5,143 S$6,098 S$3,362 S$3,480 S$4,921 S$7,200 S$8,537 S$4,371 S$394 S$545 S$715 S$974 S$660 There rates apply to Proposers/Insured Persons (Singapore Citizens only) domiciled anywhere in the world except USA/Canada/Japan Applicable to Annual Premium Tables 1 & 2 1. Optional Outpatient Services is only available under Economy, Executive or International Plans 2. Premiums may be loaded for more hazardous occupations e.g. work on board offshore oil rigs; and occupations involving frequent air travel 3. Premium payment at commencement and renewal are based on age next birthday 4. Premiums above exclude prevailing GST

7 Notes Persons Eligible to Apply Adults from 18 to 64 years old (inclusive) Children from 15 days old to 18 years old (inclusive). Policy renewable up to age 25 (inclusive) if he/she is enrolled in an educational institution on full-time higher education (and not in full-time national service) Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Holders, who are permanently residing in Singapore - Premium Table 1 applies Singapore Citizens who are permanently residing in countries outside Singapore excluding USA/Canada/Japan - Premium Table 2 applies Persons who are permanently residing (more than ninety days) in USA/Canada/Japan are not eligible Proposal for children must include at least one parent and the choice of plan for child must be equal than that of the parent(s) Remarks: Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore Major Exclusions There are some costs which are not covered under the Policy, the following are some Major Exclusions for this Policy. You are advised to read the policy wordings for the full list of exclusions. a) Pre-existing illnesses or injuries before the inception date of the Policy b) Routine medical examination (including vaccination, the issue of medical certificates and attestations) confinement in hospital to facilitate the taking of x-ray or conduct of test c) Treatment relating to birth defects congenital abnormalities and hereditary conditions A product summary is available and may be obtained from Liberty Insurance Pte Ltd. You should read the product summary before deciding to purchase the Policy

8 Key Product Provisions The following are some key provisions found in the actual wordings of this plan. This is a product summary and you are advised to refer to the actual terms and conditions in the wordings Cancelation Clause Geographical Cover Terms of Renewal Non-Guaranteed Premium Change of Occupation/Country of Residence The Company reserves the right to terminate the coverage at any time giving 30 days' notice in writing to the Insured. Whenever such cancelation occurs, the Company shall return the unearned portion of premium based on the short rated table (refer to actual wordings). No premium will be refunded if claims have already been made by the Insured. Cancelation shall be without prejudice to any claim origination prior to the effective date of cancelation Worldwide, 24-hours (there is no cover available for all persons domicile permanently in USA/Canada/Japan of whatever nationalities) Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium. Renewable from 65 to 75 years old is subject to yearly review Premiums payable for this coverage are not guaranteed and may be revised at policy renewal at the full discretion of the Company In the event of a change in occupation/country of residence of the Insured Person, the Insured Person shall notify the Company in writing of the new occupation/country of residence. The Company shall increase or reduce the premium rates according to the risk classification for the new occupation/country of residence or to decline the coverage Reasonable & Customary Charges Co-insurance Policy Period Benefits payable are limited to Reasonable and Customary charges for the treatments provided and to the limits of the Plan chosen Treatments received in USA/Canada/Japan are subject to a 20% co-insurance on the first S$16,000 of eligible medical expenses Insurance will only commence when the proposal is accepted, the premium paid and accepted by Liberty Insurance Pte Ltd Switching of medical policies may result in having to pay a different premium amount and different policy terms and conditions Maternity Care is only provided if all members of an Insured's family are insured on the same plan under the Policy 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 your insurer or visit the GIA or SDIC websites ( or