Group Term Life Insurance

Benefit Summary – Job Band 9-12

Full-time, permanent or contract employee, upon employment or
Eligibility
underwriting acceptance, whichever is later
• Benefit/Insurance Period: 1 Jan 2020 – 31 Dec 2020
Basis of Cover 26 times last drawn basic monthly salary
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Group Outpatient Clinical (GP) Insurance Death – sum assured payable in one lump sum
Total & Permanent Disablement – sum assured payable up to
Eligibility Full-time, permanent or contract employee, after 3 months of service Coverage $1,000,000 and the balance if any in 3 annual installment after 12 months
Terminal Illness – sum assured payable up to $1,000,000 and balance
Consultation, Medication, Diagnostic tests at company appointed GP upon death
Basis of Cover
or polyclinics or A&E departments
Panel GP – cashless visit upon presentation of AIA medical card Underwriting Sum assured exceeding $500,000 or age above 64 requires underwriting
Polyclinic – reimbursement upon successful claim submission
Coverage
A&E Visit – up to S$120 per visit (including A&E departments in
Malaysia Government hospitals) Group Hospital & Surgical Insurance
1. Work-related injuries (to be filed under WICA)
Main Exclusions 2. Purchase of medicine without prescription Full-time, permanent or contract employee1, upon employment and their
Eligibility
(subject to policy 3. Preventive treatment, routine examination, non-medically eligible dependents2
terms & conditions) necessary treatment Basis of Cover Plan 3 (refer to benefit schedule below)
4. Retail items, supplements, vitamins Coverage Hospitalisation or surgery due to sickness or injury
1. Pre-existing medical conditions prior to employment will be
excluded for 12 months
Outpatient Specialist Benefit 2. Work-related injuries (to be filed under WICA)
Main Exclusions 3. Congenital conditions
Eligibility Full-time, permanent or contract employee, after 3 months of service (subject to policy 4. Goods & Services Tax
Consultation, Medication, Diagnostic tests at government restructured terms & conditions) 5. Treatment of preventive nature or routine examination
Basis of Cover 6. Pregnancy, childbirth, infertility related treatments
hospitals, upon referral from panel GP / polyclinic / A&E
7. Self-inflicted injuries, violation of law, participating in riot
Specialist Consultation, Medication & Physiotherapy – S$1,500
8. Sleep apnea and sleep study
per policy year
Coverage
Diagnostic Tests (X-ray, lab tests, ultrasound, MRI, CT Scan) –
S$1,000 per policy year Benefit Item Benefit Limit
1. Psychiatric treatments, counselling, psychological assessments Ward Charges 1-Bed (Govt/Restr)
2. Preventive treatments, routine examination, non-medically
necessary treatments Overall Limit for Government Hospital admission
Main Exclusions Including Pre-hospitalisation Consultation & Diagnostic Tests /
3. Pregnancy, childbirth, infertility related treatments
4. Medical appliances Post-hospitalisation Treatment (incurred within 120 days before S$17,000
5. Eye refraction, correction of eyesight (e.g. lasik) admission or after discharge)
(Per disability limit)
Transfer of specialist disciplines requires attending specialist memo or Outpatient Kidney Dialysis & Cancer Treatment
Remarks S$16,800
referral letter for claim filing (Per policy year limit)
Miscarriage (accidental or due to medical reason) S$1,000
Dental + TCM Benefit (Self-funded)
Dental Surgery (Per policy year limit)
- Removal of burial or impacted teeth S$1,000
Eligibility Full-time, permanent or contract employee, after 3 months of service - Removal of growth/cyst with or without extraction S$2,500
Basis of Cover $250 per benefit year - Fracture of jaw which requires hospitalisation S$2,500
- Dental treatment at registered dental clinics
Coverage 20%
- TCM treatment at registered TCM clinics Co-insurance (claimant) for private hospital / overseas hospital
Policy sub-limits apply
Cosmetic dental treatments (whitening, bleaching, orthodontics,
Main Exclusions 1 Employee age 74 and above will be covered at S$8,000 per policy year
veneer, dentures) 2 Dependents refer to non-working spouse and dependent child below age 19, or below age 25 if still studying as
full-time student in tertiary education institution. Child must be unmarried and unemployed.
This leaflet is a summary of your benefits and is meant for reference and guide only. Company reserves the right to make changes to the insurance/non-insured benefits from time to time without prior notification/approval from the employees. Insurance covers are subject to the insurer’s acceptance in writing.