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

     1. Get an instant quote using our table rates

     2. Skip the hassle of completing multiple forms

     3. Outpatient claims submission through our mobile application and online web portal

     4. No surgical sub-limits or tables

     5. Concierge services for Specialist consultations and Inpatient procedures

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
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

This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).