Benefit Schedule Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Type of Hospital Private Restructured Private Private Restructured
Daily Room and Board (Standard) - up to 120 days 1 Bed 1 Bed 2 Bed 4 Bed 4 Bed
Intensive Care Unit (ICU)
High Dependency Ward (HDW)
Coronary Care Unit (CCU)
$10,000 $10,000 $10,000 $10,000 $10,000
Other Hospital Services $20,000 per disability $20,000 per disability $18,000 per disability $15,000 per disability $15,000 per disability
Surgical Expenses
  • Waiver of Surgical Table if insured member is admitted to a restructured hospital.
  • Surgeon’s fee of more than $1,500 is subject to Surgical Table if insured member is admitted to a private hospital.
  • Pro-ration factor will apply if insured member is staying at a higher ward or hospital type than his/her entitlement.
Daily In-Hospital Physician’s Consultation (up to 120 days)
Ambulance Services
Pre-Hospitalisation Specialist Consultation (up to 90 days before hospitlisation or surgery) $2,500 $2,000 $1,800 $1,500 $1,500
Pre-Hospitalisation Diagnostic X-Ray and Laboratory Fees (up to 90 days before hospitlisation or surgery)
Post-Hospitalisation Treatment
(up to 90 days from the insured member's last discharge date from the hospital)
Miscarriage Benefit $2,000 $1,500 $1,500 $1,000 $1,000
Emergency Accidental Outpatient Treatment
  • Expenses incurred within 31 days from the date of the accident provided that the treatment is sought within 24 hours following the accident.
$2,000 $2,000 $1,500 $1,000 $1,000
Outpatient Dental Treatment (due to accident)
  • Expenses incurred within 31 days from the date of the accident provided that the treatment is sought within 24 hours following the accident.
$2,000 $2,000 $1,500 $1,000 $1,000
Surgical Implants $3,000 $2,000 $2,000 $1,500 $1,000
Inpatient Psychiatric Treatment $5,000 $5,000 $3,000 $2,000 $2,000
Outpatient Kidney Dialysis (per policy year) $20,000 $20,000 $15,000 $10,000 $10,000
Outpatient Cancer Treatment (per policy year) $20,000 $20,000 $15,000 $10,000 $10,000
Death Benefit $5,000 $5,000 $5,000 $5,000 $5,000
Rehabilitation Benefits
(up to the maximum benefit limit or up to 31 days, whichever is earlier)
$8,000 $8,000 $5,000 $5,000 $5,000
Home Nursing Care (per policy year)
(up to the maximum benefit limit or up to 30 days, whichever is earlier)
$6,000 $6,000 $5,000 $3,000 $3,000
Overseas Hospitalisation Due to Accidental Causes 150% of Inpatient Benefits including Pre- and Post-Hospitalisation Treatment, Emergency Accidental Outpatient Treatment, and Outpatient Dental Treatment (Accidental) only
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