Commercial Insurance

i-Medicare - Example

Outpatient Care:

(a) Primary Care: Consultation, medication, basic diagnostic tests, x-rays and procedures
Benefits	Limits of Compensation
Doctor Visits
Panel Doctor	$5 co-payment per visit
Non-panel Doctor	Reimburse up to $15 per visit, subject to maximum 3 visits per policy year
Emergency Care (A&E)
Restructured hospitals	$10* co-payment per visit
Private hospitals & clinics	$10* co-payment per visit, reimburse up to $70 per visit
(b) Specialist Care: Consultation, medication, basic diagnostic tests, x-rays and procedures, up to $500 per policy year
Benefits	Limits of Compensation
Specialist (SOC) at restructured hospitals	$15* co-payment per visit
Panel private specialists	$15* co-payment per visit, reimburse up to $100 per visit
Specialised Investigations	Co-payment of 10%

Benefits Per Disability	Plan 1 ($)	Plan 2 ($)
Inpatient Benefits
1. Daily Room & Board per day (maximum 120 days including ICU)	388	250
2. Intensive Care Unit (ICU) (maximum 30 days)	1,164	750
3. Other Hospital Services (maximum 120 days)	10,000	7,500
4. Surgical Benefits (subject to Surgical Schedule)	12,000	8,500
5. Daily In-Hospital Consultation (maximum 120 days)	100	90
Outpatient Benefits
6. Pre-Hospitalisation Specialist Consultation (within 90 days prior to admission)	500	450
7. Pre-Hospitalisation Diagnostic x-ray & Laboratory Fee (within 90 days prior to admission)	500	450
8. Post-Hospitalisation Treatment (within 90 days following discharge)	500	500
9. Emergency Outpatient Treatment (Accidental)	2,500	2,000
10. Outpatient Kidney Dialysis & Cancer Treatment (maximum per policy year)	10,000	10,000
Other Benefits
11. Miscarriage Benefit (including Ectopic Pregnancy)	1,000	1,000
12. Ambulance Fees	100	100
13. Death Benefit	3,000	3,000
14. Overall Limit as charged at Singapore Restructured Hospitals (maximum for Any One Disability)	19,500	12,500
15. Daily Hospital Cash Allowance Benefit up to maximum 120 days per disability when warded in the following Classes of Ward in Singapore Restructured Hospital: B1 B2+ B2 C	100 150 200 300	50 100 150 200