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Protect yourself financially with MediWell Plus, a plan that has your long-term interest in mind.
With Mediwell Plus' Continuous Renewal and Portfolio Underwriting features, even if you claimed, you will not be penalized based on your own experience. You will be renewed up to age 70, no question asked! Premium, if adjusted, will be based on the experience of the overall Mediwell Plus portfolio! These features are comforting because you know no insurance company will be deliberately underwriting a pool of individuals and families with poor health to affect portfolio!
Enjoy these attractive benefits:
- Continuous Renewal and Portfolio Underwriting so you will not be penalized based on your own experience
- Free choice of hospitals (except for Plan D), doctors and no sub-limits for Inpatient Benefits
- Coverage for Out-patient Kidney Dialysis & Cancer Treatment and Unlimited cover for Emergency Medical Evacuation & Repatriation, Travel Assistance
- Worldwide coverage with option to go overseas for treatment
You are covered whenever you travel aboard for business or leisure for up to 180 consecutive days.
- Treatment expenses from an Acupuncturist &/or Bone-Setter whilst hospitalised*.
* Applicable for Essential Design only
- Maximum coverage for Surgical Fees without any sub-limits by types of surgical operations and Full coverage for contagious diseases such as SARS
- Renewal Up to Age 75 if it is renewed consecutively with no policy lapse after age 60, and 30 days Grace Period if you forget to renew.
- Flexibility to Mix & Match Different Plans Under 1 Policy to cater for the needs of each family member
- Family Discount and Deductible/Coinsurance Discounts
> Family Discount – Enjoy up to 10% discount when you cover your spouse and dependent children as well
> Deductible Discount – If you choose to bear a deductible ranging from S$500 to S$5,000 per annum, you can enjoy discount starting from 2.5% up to 17.5%
> Co-Insurance Discount – Get a 10% or 20% discount if you choose to bear a percentage of the claimable amount of 10% or 20% respectively on all claim
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MediWell Plus offers you the flexibility to mix and match the 4 Plans available for each of the 2 MediWell Plus Designs to best suit you and each of your family members.
Essential Plan 
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Recommended for persons who need a basic H&S plan e.g. self-employed and homemaker.
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Reimburse your medical expenses from the very first dollar up.
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No compulsory deductibles.
Surplus Plan
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Recommended for persons who already have a basic H&S plan but need a standby cover e.g. salaried employees.
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It includes a S$10,000 excess but provides a generous standby medical plan (covers benefits under Section A and B only) at affordable premiums with the choice to convert to a full cover during the period of insurance when the need arises (subject
to insurer’s underwriting).
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Covers your immediate needs so that your Medisave or CPF Medical scheme (which has older age limits) can be preserved.
Premium rates apply to persons who are in Occupational Class I and II.
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.
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You can enjoy premium discounts when you opt for a deductible, co-insurance or when your family members are included in the cover.
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MediWell Plus provides optional coverage such as Dread Disease and Hospital Cash Allowances that are competitively priced to enhance your coverage.
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Eligibility
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Anyone between the age of 19 to 60 years old who are Singaporeans, Permanent Residents or Foreigners with valid employment, dependent, student, long term social visit passes, and are domiciled in Singapore or qualifies for Overseas Coverage can apply.
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You can enjoy a family discount of up to 10% if you are also applying for your spouse and children. Dependent children should select the same plan or lower plan than yours, and adult premium rates would apply to those age 19 years and above. Standalone Child applications must be referred to our office.
Excluded Occupations that:
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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.
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 
