Insured United Agency
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EZCare (SME Employee Benefits)

EZCare (SME Employee Benefits)

A Better Health Insurance Experience for SMEs

EZCare is an Employee Benefits starter kit for companies with headcounts as low as 2 employees. It has simple plans which are easy to understand and administer while providing access to best in class health care services.

Benefits at a Glance

  • Get an instant quote using our table rates
  • Skip the hassle of completing multiple forms
  • Outpatient claims submission through our mobile application and online web portal
  • No surgical sub-limits or tables
  • Concierge services for Specialist consultations and Inpatient procedures
EZCare

Summary of Benefits

  • ANNUAL OVERALL LIMIT
  • ROOM & BOARD ELIGIBILITY & CHARGES
  • INTENSIVE CARE UNIT
  • HOSPITAL MISCELLANEOUS & LOCAL AMBULANCE SERVICES
  • PRE-HOSPITALIZATION CONSULTATION (WITHIN 90 DAYS PRECEDING HOSPITAL ADMISSION)
  • PRE-HOSPITALIZATION DIAGNOSIS SERVICES (WITHIN 90 DAYS PRECEDING HOSPITAL ADMISSION)
  • POST-HOSPITALIZATION CONSULTATION AND TREATMENT (WITHIN 180 DAYS FOLLOWING DISCHARGE FROM HOSPITAL)
  • EMERGENCY OUTPATIENT ACCIDENTAL TREATMENT (WITHIN 24 HOURS OF ACCIDENT)
  • EMERGENCY DENTAL TREATMENT (WITHIN 24 HOURS OF ACCIDENT)
  • SURGICAL IMPLANTS
  • LODGER BENEFIT (FOR INSURED CHILD BELOW AGE 12)
  • EMERGENCY MEDICAL EVACUATION
  • REPATRIATION/LOCAL BURIAL (COVER FOR DEATH IN HOME COUNTRY IS EXCLUDED)
  • HOSPITAL CASH BENEFIT (PER DAY) OF HOSPITAL CONFINEMENT IN GOVERNMENT/RESTRUCTURED HOSPITAL : B1 WARD, B2/B2+ WARD, C WARD
  • OUTPATIENT CANCER AND KIDNEY DIALYSIS TREATMENT
  • BEST DOCTORS SERVICE

Group Discount

  • NUMBER OF EMPLOYEE HEADCOUNT (5 TO 9) : 5% DISCOUNT
  • NUMBER OF EMPLOYEE HEADCOUNT (10 OR MORE) : 10% DISCOUNT

Optional Covers and Premium

  • OUTPATIENT GENERAL PRACTITIONER (GP) RIDER : OUTPATIENT PANEL GP, OUTPATIENT NON-PANEL GP, OVERSEAS OUTPATIENT TREATMENT, SINGAPORE POLYCLINICS, PANEL OF TRADITIONAL CHINESE MEDICINE (TCM) – MAX. 3 VISITS PER POLICY YEAR, A&E DEPARTMENT AT RESTRUCTURED HOSPITAL – MAX. 2 VISITS PER POLICY YEAR, A&E DEPARTMENT AT RESTRUCTURED HOSPITAL – MAX. 2 VISITS PER POLICY YEAR
  • OUTPATIENT SPECIALIST RIDER : OUTPATIENT PANEL SPECIALIST CONSULTATION AND DIAGNOSTIC SERVICES*, OUTPATIENT PHYSIOTHERAPY
  • OUTPATIENT DENTAL RIDER : PANEL DENTIST BENEFIT, CO-PAYMENT, DENTAL TREATMENT
  • PERSONAL ACCIDENT (PA) : COVER ONLY DEATH AND PERMANENT DISABLEMENT

Eligibility

  • EMPLOYEES ACTIVELY AT WORK
  • EMPLOYEES AND SPOUSES BETWEEN 18 TO 80 YEARS OF AGE AND NOT MORE THAN 65 YEARS OF AGE AT THE POLICY COMMENCEMENT DATE OF THE FIRST PERIOD OF INSURANCE
  • CHILDREN FROM 15 DAYS OLD TO 18 YEARS OLD (DEPENDENT CHILDREN CAN BE COVERED UP TO AGE 25 IF HE/SHE IS ENROLLED IN AN EDUCATIONAL INSTITUTION ON FULL-TIME HIGHER EDUCATION AND IS NOT IN FULL-TIME NATIONAL SERVICE)
  • DOMICILED (RESIDING) IN SINGAPORE, MEANING SINGAPORE CITIZENS, SINGAPORE PERMANENT RESIDENTS (HOLDERS OF RE-ENTRY PERMITS), HOLDERS OF EMPLOYMENT PASSES, S PASSES, PERSONALIZED EMPLOYMENT PASSES, ENTREPASSES, WORK PERMITS, STUDENT PASSES OR DEPENDENT PASSES

Major Exclusions

  • TREATMENT RELATING TO BIRTH DEFECTS, CONGENITAL ABNORMALITIES AND HEREDITARY CONDITIONS
  • ROUTINE MEDICAL EXAMINATIONS (INCLUDING CONFINEMENT IN HOSPITAL TO FACILITATE THE CONDUCT OF TEST) AND VACCINATIONS
  • COSMETIC RELATED TREATMENTS
  • PRE-EXISTING CONDITIONS ARE EXCLUDED FOR THE FIRST YEAR OF COVER FOR EACH INSURED. THE FOLLOWING SPECIFIED PRE-EXISTING ILLNESSES ARE PERMANENTLY EXCLUDED: HEART DISEASE, DIABETES, CANCER AND RENAL FAILURE FOR EMPLOYEE GROUP SIZES LESS THAN 10 & CANCER AND RENAL FAILURE FOR EMPLOYEE GROUP SIZES 10 AND ABOVE

Important Notice

The information provided here is a summary and for general information only. Although care has been taken in preparing the information provided to you, we will not responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. Please refer to the actual policy wordings for the terms and conditions. You may refer to www.libertyinsurance.com.sg for detailed information about the product.