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HEALTH INSURANCE - PRODUCT SUMMARY

Organisation Particulars

Organisation Name:

Business:

Signature & Company Stamp Name & Signature of Insurance Advisor / Date

___________________________________

Signatory Name/Designation / Date

A. PRODUCT INFORMATION

This is a Hospital & Surgical Plan that reimburses the Insured up to the limit for Each Disability in respect of any

one Insured Person as stated in the Schedule of this policy for the Hospital &/or Surgical Expenses and / or other

expenses, specified in the Benefits set out in the Benefit Schedule hereunder depending on the plan you have

chosen:

Soverign

Plan

Premier

Plan

Deluxe

Plan

Classic

Plan

Basic

Plan

Section I : Basic Hospital & Surgical Benefits

1.

In-Hospital and Related Expenses including hospital

accommodation, consultations or examinations, physiotherapy

treatment, x-ray examination, dental operations* plus follow-up

treatment up to 90 days following discharge from hospital

As charged

2

Surgical Expenses**, Anaesthetist Fees and Operating Theatre

Charges, including post-operative care up to 90 days following

discharge from hospital

3.

***Specialists' Consultation & Medical Diagnostic Expenses

(within 90 days prior to hospitalisation / surgery)

4.

Post-Hospitalisation Follow-up Treatment (within 90 days of

discharge)

5.

Emergency Accidental Outpatient Expenses

Up to 90 calendar days from the date of accident

6. Local Road Ambulance Charges 200 200 200 200 200

7. Costs of Medical Report(s) 75 75 75 75 75

8.

Bonesetters, Herbalists and Acupuncturists for accidental injury

other than fractures (per accident)

200 200 200 200 200

Royal & Sun Alliance Insurance Plc (Singapore Branch)

77 Robinson Road # 17-00

Robinson 77

Singapore 068896

Telephone (65) 6220 1188

Facsimile (65) 6423 0798

RCB No. : F06999C

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Section II

9. Funeral Expenses 3,000 3,000 3,000 3,000 3,000

Section III : Overseas Emergency Medical Assistance

B Hospital Admission Deposit Guarantee # 8,000 8,000 8,000 8,000 8,000

C

Despatch of Doctor and medicine, ## Visit of a close relative,

Return of unattended dependent children and Administrative

Assistance and Service

Available Available Available Available Available

* Dental Operation performed in a recognized Hospital or dental consulting room under a local or general

anaesthesia for:

i. Removal of buried or impacted teeth

ii. Removal of growths &/or cysts with or without extraction

iii. Those types of fractured jaws which warrant extraction as such apart from other possible injuries including x-ray

for the afore-mentioned items.

**If as a result of a surgical operation that is covered under this Policy the Insured Person requires a surgical implant

or a prosthesis, the Company will pay the actual costs of such implant or prosthesis up to an amount of S$1,000 for

each disability.

***Specialists’ Consultation Fees and Medical Diagnostic Expenses shall not pay for any charges incurred for Medical

Treatment nor, if after the Specialist’s consultation or diagnostic examination, hospitalization or surgical operation is

not required.

# Hospital Admission Deposit Guarantee granted provided that either:

i. A Relative or representative of the Insured person shall make a prior deposit of an amount equivalent to hospital

admission deposit to the office appointed by our service provider, or

ii. The insured person shall sign an undertaking to reimburse our service provider within thirty (30) Calendar days

from the date of such payment without any interest.

## In event when Insured person suffering from serious bodily injury or sudden illness resulting in hospital

confinement outside his / her Usual Country of Residence for more than seven (7) consecutive calendar days.

This product is a qualified plan under the Transferable Medical Insurance Scheme (TMIS).

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B. KEY PRODUCT PROVISIONS

The following are some key provisions found in the policy contract of this plan. This is only a brief summary and

you are advised to refer to the actual terms and conditions in the contract. Please consult your Insurance

Advisor should you require further explanation.

1. Age Limit

This policy shall not cover any person who is below fifteen (15) calendar days old or attained the age of Sixty

(60) during any period of insurance.

2. Cancellation Clause

This insurance may be terminated at any time at the request of the Insured, provided no claim has arisen during

the then current period of insurance, the Insured shall be entitled to a return of premium less premium at the

Insurer’s short period rates for the period the policy has been in force.

This insurance may also be terminated at the option of the Insurer by sending 30 days’ notice by registered letter

to the Insured at his last known address, in which case the Insurer shall be liable to repay on demand a rateable

proportion of the premium for the unexpired terms from the date of the cancellation.

In addition, the Insurer may delete the name of any Insured Person from the schedule without prejudice to the

continuation of the policy by giving to the Insured 30 days’ notice by registered letter and in such event the

Insurer will return the premium paid for that person less the pro-rata portion thereof for the period the

insurance on that person has been in force.

3. Change in Usual Country of Residence

The Insurer must be informed in writing of any changes in the Insured person’s “Usual Country of Residence”,

which means that if the Insured Person living or intending to live in another country for a period in excess of

Three (3) consecutive calendar months. The Insurer reserves the right to continue cover on terms and

condition they consider appropriate to the new country of residence or to decline to continue cover under this

policy.

4. Terms of Renewal

Policy may be renewed on the Policy Anniversary Date by payment of the annual premium.

5. Non-Guaranteed Premium

Premiums payable for this coverage are not guaranteed and may be increased at policy inception OR renewal

depending on Insured person’s health condition, past claims experience, age and occupation etc.

6. Premium Payment Warranty

It is a condition precedent to liability under the policy that any premium due to the Insurer must be paid and

received by the Insurer within 60 days of the inception or renewal date of the policy and within 60 days of the

effective date of the policy endorsement.

7. Exclusions

There are certain conditions under which no benefits will be payable. These are stated as exclusions in the

contract. The following is a list of some of the exclusions under the policy contract

PRE-EXISTING CONDITION

which are receiving treatment or are known to the Insured Person prior to the commencement of his / her

insurance under this policy.

/ her insurance under the policy will however, be covered but only after he / she has been continuously

Insured under the policy for 12 calendar months.

provided under the Policy during the Insured person’s first 12 calendar months of insurance:

- Stones in the urinary and biliary systems

- Hypertension and all forms of heart or cardiovascular diseases

- All kinds of internal tumours

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- Cancer including leukaemia

- Nasal conditions including sinusitis requiring surgery

- Gastric and duodenal ulcers

- Endometriosis

- Hemorrhoids

- Cataract

- Asthma

- Breast lumps

- Fibroids

This policy does not cover claim arising directly &/or indirectly for the treatment for congenital defects or

disease that have been in existence since birth.

Illness in any way attributed to chronic alcoholism

by Registered Medical Practitioner, except in event of accident where treatment is necessitated within 24

hours

pregnancy, childbirth, abortion, miscarriage.

claimable under the Work Injury Compensation cover

racing, motor rallies, mountaineering, parachuting, aerial activities, bungee jumping, potholing, racing of

any kind, skiing, steeplechasing, polo, winter sport, contact sports or underwater pastimes.

AIDS and/or any mutant derivative or variations thereof however caused.

nuclear fuel or waste

You are advised to read the policy contract for the full details of the Benefits, Exclusions and other

terms and conditions.