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MediLite is a Hospital Cash Plan that pays you a daily cash allowance when you are hospitalized and makes a good supplementary plan to relieve you the burden of having to bear the full impact of the deductibles and co-insurance as well as partial compensation of hospitalization expenses under your MediShield or an existing CPF-approved Private Medical Insurance scheme.
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- Receive Daily Cash Allowance when hospitalised up to 500 days, in addition to any other Hospital & Surgical Insurance plans that you already own. Enjoy
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Double Indemnity for Cash Allowance if the hospitalisation arises from an accident |
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Triple Indemnity for Cash Allowance whilst in Intensive Care Unit (ICU) |
- Be reimbursed up to $10,000 for hospitalisation expenses during your hospital stay.
- Receive a Discharge Transportation Grant of up to $50 incurred for your return trip home upon being discharged from the hospital.
- Receive a Recuperation Grant of up to $200 whilst you regain your health.
- A compassionate cash benefit of up to S$1,000 will be paid out in the event of accidental death.
- Free access to 24-hour Worldwide Emergency Assistance Services for travel and medical assistance.
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| You will also enjoy the following great features |
- Renewable up to age 80 if it is renewed consecutively with no policy lapse after age 60
- 30 days' grace period if you forget to renew the policy
- 14 days' "Free Look" period to decide if the policy suits you
- Free choice of hospitals and no sub-limits for Inpatient Benefits
- Full cover for contagious diseases such as SARS
- No surgical table i.e. full cover for all surgical procedures
- No deductible
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You may select from 3 available plans.
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ELIGIBILITY
- Applicable to any Singaporeans,
Permanent Residents or Foreigners with valid employment
passes, who are domiciled in Singapore.
- If the person (to be insured)
resides or intends to reside overseas for a period longer
than 90 consecutive days, please check with the insurer
separately.
- Applications for Child / Children must be accompanied by at least 1 parent.
- Please refer applications for child(ren) without any accompanying parent to our office for separate quotation.
- Premium rates apply to persons
who are in Occupational Class I and II. Premium loadings may be applied for applicants with medical conditions or who are employed in more hazardous occupations.
Class I
Persons engaged in professional, managerial, administration,
clerical and non-manual occupations generally.
Class II
Persons engaged in work of a supervisory nature and all
others not in Class I whose duties may involve occasional
light manual work but not using tools or machinery or expose
to any special hazard (e.g. Clerk-of-Work, Sub-Contractor,
Supervisor ).
Persons who are required
to travel outside office for Business or Professional
purposes but not engaging in manual labour ( e.g. Salesman
).
Please check with the insurer
separately for all occupations involving manual work and
not within the above definitions.
Declined Occupations
Air crew members, pilot, occupations involving aviation activities, ship crew members or workers onboard vessels, stevedores, shipbreakers, occupations involving height exceeding 30 ft above ground or floor level &/or works underground &/or travel beyond normal speed on land &/or handling of hazardous chemicals, electricity, occupations involving diving, platforms, oil rig and/or offshore work, fire-fighting, police, armed forces, military operations, persons engaged in heavy manual work involving the use of heavy tools and machinery, construction worker, truck driver, professional sports teams, professional jockeys, welder, machinist.
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| MAIN EXCLUSIONS |
Listed below are some of the major exclusions:
- Pre-existing conditions, congenital illnesses, pregnancy, self-inflicted injury, suicide, drug abuse, alcoholism, mental diseases, cosmetic surgery, AIDS.
- Any treatment for illness which occur within 30 days of the commencement date of insurance.
- War and the like, riot and civil commotion, terrorism.
- Nuclear fission or radioactive contamination.
- Hazardous activities such as mountaineering or rock climbing involving the use of ropes, underwater activities involving the use of underwater breathing apparatus, bungee jumping, sky diving, hang-gliding, paragliding, parachuting, racing other than on foot or any sports in a professional capacity.
- Air travel other than as a fare-paying passenger in a properly licensed aircraft.
- Expenses recoverable under Workmen’s Compensation Insurance
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Enjoy 14 days "Free Look" from the day you receive your insurance policy. If this policy is not suitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made, no questions asked! Beyond the “Free Look” period, we will refund you the balance premium after deducting our customary short-term premium or minimum premium provided no claim has been made under the policy.
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Personal
Coverage 
