ProMedico (Enhanced)

Medical Coverage Anytime, Anywhere

 Many questions will begin popping up in your head as you mature and realize that your body is healing slower than you remember it. Questions like, do I have prompt access to medical attention? Can I afford the best treatment? And am I substantially covered?
 
None of us likes to imagine ourselves falling ill, but the right health insurance can empower you with the choice of where and when you receive medical treatment. At Liberty Insurance, your well-being is our priority. That is why when you insure with proMedico, it opens the doors to 24-hour emergency assistance service worldwide whenever the need arises.

 

ProMedico

     Benefits at a Glance

     1. Daily Hospital Cash

     2. Outpatient General Practitioner and Specialist cover

     3. Maximum renewal age up to 80 years old

     4. No Surgical sub-limits

     5. Medical emergency evacuation

Summary of Benefits
Annual Overall Limit
All Hospital Services
Room & Board (per day)
Intensive Care Unit (per day)
Day Surgery
Minor Surgical Procedure in an Outpatient Clinic
Local Ambulance Services
Pre-Hospital Diagnostic Services (Within 90 days preceding Hospital admission)
Post-Hospitalization Treatment (Within 90 days following discharge from Hospital)
Organ Transplantation (Max. amount per person per Policy Year)
Emergency Outpatient Accidental Treatment (Within 24 hours of Accident)
Emergency Dental Treatment (Within 24 hours of accident)
Nursing at home (Max. 26 weeks per Policy Year)
Permanent Total Disability (Reduce to 50% when the Insured Person is a manual worker)
Outpatient Cancer and Kidney Dialysis Treatment (Max. amount per person per Policy Year)
Lodger Benefit For Child below age 12 (Max. Amount S$100 per day)
Emergency Medical Evacuation
Repatriation/Local Burial (Cover for death in home country is excluded)
Maternity Care (12 months waiting period; Maximum amount per Policy Year)
Daily Hospital Cash Benefit : B1 Ward, B2/B2+ Ward, C Ward
Outpatient Services : Rider to Inpatient Cover (Optional
Premium Saving Options
Deductible Limits / person per disability (S$5,000) : 30% Discount
Deductible Limits / person per disability (S$7,500) : 40% Discount
Deductible Limits / person per disability (S$10,000) : 50% Discount
Annual Premium
Singapore Only : Essential Plan, Economy Plan, Executive Plan, International Plan, Rider (Outpatient Service)
Global (Except USA/Canada/Japan) : Essential Plan, Economy Plan, Executive Plan, International Plan, Rider (Outpatient Service)
Optional Outpatient Services is only available under Economy, Executive or International Plans
Premiums may be loaded for more hazardous occupations e.g. work on board offshore oil rigs; and occupations involving frequent air travel
Premium payment at commencement and renewal are based on age next birthday
Eligibility
Adults from 18 to 64 year old (inclusive) on next birthday
Children from 15 days old to 18 years old (inclusive)on next birthday. Policy renewable up to age 25 (inclusive) if he/she is enrolled in an educational institution on full-time higher education (and not in full-time national service)
Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Holders, who are permanently residing in Singapore-Annual Premium Table for Singapore Only applies
Singapore Citizens who are permanently residing in countries outside Singapore excluding USA/Canada/Japan-Annual Premium Table for Global applies
Persons who are permanently residing (more than sixty days) in USA/Canada/Japan are not eligible
Proposal for children must include at least one parent and the choice of plan must be equal than that of the parent(s)
Remarks: Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore
Major Exclusions
Pre-existing illnesses or injuries before the inception date of the Policy
Routine medical examination (including vaccination, the issue of medical certificates and attestations) confinement in hospital to faciliate the taking of x-ray or conduct of test
Treatment relating to birth defects congenital abnormalities and hereditary conditions

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).