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proMedico (Business)
Medical Coverage - Making decisions with greater assurance
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Medical Coverage - Making decisions with greater assurance
As a highly comprehensive health insurance policy, proMedico provides compensation for your downtime with daily hospital cash allowance and greater assurance with no surgical sub-limits. From room charges to the costs of hospital medical facilities such as operating theatre fees and intensive care unit accommodation, proMedico provides extensive coverage to promote your speedy recovery
For up to thirty days per disability
Covers medical treatment provided to the insured person as prescribed or performed as a physician who is licensed as a General Practitioner
Maximum renewal age up to 80 years old
Covers expenses for follow-up treatment by the same physician up to a period of 90 days after discharge from the hospital
Covers the medically necessary expenses incurred in moving the insured person to the nearest hospital for appropriate care
Description | Essential | Economy | Executive | International |
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Description | Essential | Economy | Executive | International |
---|---|---|---|---|
Annual Overall Limit (Max. amount per person per Policy Year) |
S$50,000 | S$100,000 | S$250,000 | S$800,000 |
Description | Essential | Economy | Executive | International |
---|---|---|---|---|
All Hospital Services | As Charged | As Charged | As Charged | As Charged |
Room & Board |
4 Bedded Singapore Restructured Hospital |
2 Bedded Singapore Private Hospital |
Standard 1 Bedded Singapore Restructured Hospital | Standard 1 Bedded Singapore Private Hospital |
Intensive Care Unit (per day) |
As Charged | As Charged | As Charged | As Charged |
Minor Surgical Procedure in an Outpatient Clinic | As Charged | As Charged | As Charged | As Charged |
Day Surgery | As Charged | As Charged | As Charged | As Charged |
Pre-Hospitalization/Surgery Diagnostic Services (Within 90 days preceding Hospital admission) |
As Charged | As Charged | As Charged | As Charged |
Pre-Hospitalization/Surgery Specialist’s Consultation includes medication (Within 90 days following discharge from Hospital) |
As Charged | As Charged | As Charged | As Charged |
Lodger Benefits For Child below age 12 (Max. Amount S$100 per day) |
N.A. | N.A. | As Charged | As Charged |
Local Ambulance Services | As Charged | As Charged | As Charged | As Charged |
Nursing At Home (Max. 26 weeks per Policy Year) |
N.A. | N.A. | N.A. | S$40,000 |
Daily Hospital Cash Allowance B1 Ward |
N.A. |
S$100 |
S$100 |
S$200 |
B2/B2+ Ward | S$150 | S$200 | S$200 | S$250 |
C Ward | S$200 | S$300 | S$300 | S$300 |
Description | Essential | Economy | Executive | International |
---|---|---|---|---|
Outpatient Cancer and Kidney Dialysis Treatment (Max. amount per person per Policy Year) |
S$10,000 | S$20,000 | S$30,000 | S$50,000 |
Emergency Outpatient Treatment (Within 24 hours of Accident) |
As Charged | As Charged | As Charged | As Charged |
Emergency Dental Treatment (Within 24 hours of Accident) |
As Charged | As Charged | As Charged | As Charged |
Description | Essential | Economy | Executive | International |
---|---|---|---|---|
Organ Transplantation (Max. amount per person per Policy Year) |
As Charged | As Charged | S$150,000 | S$200,000 |
Description | Essential | Economy | Executive | International |
---|---|---|---|---|
Maternity Care (12 months waiting period; Maximum amount per Policy Year) |
N.A. | N.A. | N.A. | S$5,000 |
Description | Essential | Economy | Executive | International |
---|---|---|---|---|
Permanent Total Disability (Reduce to 50% when the Insured Person is a manual worker) |
N.A. | N.A. | N.A. | S$40,000 |
Emergency Medical Evacuation | N.A. | Unlimited | Unlimited | Unlimited |
Repatriation / Local Burial (Cover for death in home country is excluded) |
N.A. | S$5,000 | S$10,000 | S$20,000 |
Deductible Limits Per Person Per Disability | Discount |
---|---|
S$5,000 | 30% |
S$7,500 | 40% |
S$10,000 | 50% |
Deductible does not apply to Outpatient Cancer and Kidney Dialysis Treatment, Organ Transplantation and Permanent Total Disability.
Discount applies only on inpatient premium.
Age Band | Essential | Economy | Executive | International |
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Age Band | Essential | Economy | Executive | International |
---|---|---|---|---|
17- | S$316.00 | S$439.00 | S$545.00 | S$784.00 |
18 to 24 | S$423.00 | S$585.00 | S$729.00 | S$1,049.00 |
25 to 29 | S$467.00 | S$636.00 | S$790.00 | S$1,138.00 |
30 to 34 | S$563.00 | S$781.00 | S$974.00 | S$1,401.00 |
35 to 39 | S$628.00 | S$874.00 | S$1,089.00 | S$1,566.00 |
40 to 44 | S$754.00 | S$1,053.00 | S$1,314.00 | S$1,892.00 |
45 to 49 | S$931.00 | S$1,304.00 | S$1,633.00 | S$2,349.00 |
50 to 54 | S$1,187.00 | S$1,672.00 | S$2,096.00 | S$3,014.00 |
55 to 59 | S$1,540.00 | S$2,172.00 | S$2,726.00 | S$3,922.00 |
60 to 64 | S$2,018.00 | S$2,852.00 | S$3,580.00 | S$5,150.00 |
65 to 69 | S$2,512.00 | S$3,452.00 | S$4,444.00 | S$6,396.00 |
70 to 75 | S$3,657.00 | S$5,157.00 | S$7,394.00 | S$9,313.00 |
76 to 80 | S$4,754.00 | S$6,703.00 | S$9,612.00 | S$12,108.00 |
Age Band | Essential | Economy | Executive | International |
---|---|---|---|---|
17- | S$556.00 | S$770.00 | S$1,011.00 | S$1,374.00 |
18 to 24 | S$740.00 | S$1,026.00 | S$1,279.00 | S$1,836.00 |
25 to 29 | S$818.00 | S$1,133.00 | S$1,412.00 | S$2,031.00 |
30 to 34 | S$937.00 | S$1,304.00 | S$1,625.00 | S$2,339.00 |
35 to 39 | S$1,098.00 | S$1,530.00 | S$2,054.00 | S$2,745.00 |
40 to 44 | S$1,261.00 | S$1,762.00 | S$2,528.00 | S$3,167.00 |
45 to 49 | S$1,497.00 | S$2,130.00 | S$3,097.00 | S$3,766.00 |
50 to 54 | S$1,869.00 | S$2,640.00 | S$3,832.00 | S$4,623.00 |
55 to 59 | S$2,468.00 | S$3,502.00 | S$5,098.00 | S$6,105.00 |
60 to 64 | S$3,096.00 | S$4,376.00 | S$6,318.00 | S$7,608.00 |
65 to 69 | S$4,036.00 | S$5,706.00 | S$8,347.00 | S$9,898.00 |
70 to 75 | S$5,648.00 | S$7,986.00 | S$11,685.00 | S$13,856.00 |
76 to 80 | S$7,342.00 | S$10,383.00 | S$15,190.00 | S$18,011.00 |
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.
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:
The following are some key provisions found in the actual policy wordings of this plan. This is a product summary and you are advised to refer to the actual terms and conditions in the policy wordings before deciding to purchase the Policy.
This is a short-term accident and health policy and the insurer is not required to renew this Policy. The insurer may terminate this policy by giving you 30 days notice in writing. Whenever such cancelation occurs, the Company shall return the unearned portion of premium based on the short rated table (refer to actual policy 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 regardless of any nationalities).
Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium. Renewable from 65 to 80 years old and is subjected 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. The premium payable at commencement and renewal of cover is based on age next birthday.
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 of the new occupation/country of residence or to decline the coverage.
Benefits payable are limited to Reasonable and Customary charges for the treatments provided and to the limits of the Plan chosen.
Pre-authorization must be obtained for any In-patient or Day Surgery procedure in Private Hospitals, including overseas admission, otherwise 20% Co-insurance shall impose on all eligible medical expenses covered under the Policy. This co-insurance will not apply in the event of an emergency and Insured Person must contact us within 24 hours after admission.
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.
In the event that the Insured is not satisfied with the Policy for any reasons, it may be returned to the Company for cancelation within fourteen days from date of receipt and any premium paid or billed with be refunded in full. |
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 (www.gia.org.sg or www.sdic.org.sg)