Flexi Medical Plan Brochure

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SingTel HR Policy Medical Benefits

CONFIDENTIAL Page 1 of 28 January 28, 2013

Medical Benefits

Contents

1. Introduction

a) Flexible Medical Scheme (FMS)

b) Maternity Benefits2. Eligibilitya) Flexible Medical Scheme (FMS)b) Maternity Benefits3. Allocation of Points for FMSa) Flex Points

b) Health Spending Account (HSA)4. Policya) Outpatient Plans

In Case of Emergencyb) Inpatient Plans (Hospitalisation & Day Surgery)c) General Limitations and Exclusions5. Flexible Medical Scheme Selection & Utilisationa) Plan Selection

b) Flex Points & HSA Points Utilisationc) Claimable Health-Related Products & Servicesd) Cessation of Employment6. Factors to Consider When Selecting Your Medical Plans

Planning for Your Long-Term Healthcare Needs7. Proceduresa) Enrolment of Medical Planb) Use of Medical Card for Cashless Servicesc) Specialist Referrald) Inpatient Admissione) Claims & Reimbursements / Recoveriesf) Medical Portal My Health Walletg) Hotline Numbers

8. Frequently Asked Questions (FAQs)a) Generalb) Outpatient Plansc) Inpatient Plans & Chronic Outpatient Benefitsd) Medisave-Approved Private Integrated Shield Planse) Flex / Health Spending Account Points and Price Tagsf) Medical Plan Enrolmentg) Others9. Product Summary

Othersa) Basic Health Screeningb) Discountsc) Vaccination (Official Overseas Travel)d) External Links For CPF Medisave-Approved Private Integrated Shield Plans

AIAAvivaGreat EasternNTUC IncomePrudential
http://dept.net.vic/dept/HR/HR%20Policies/Employee%20Benefits/Documents/Medicial%20Benefits/PdtSummary_SingTelFlex_1%20Apr%2013%20to%2031%20Mar%2014.pdfhttp://dept.net.vic/dept/HR/HR%20Policies/Employee%20Benefits/Documents/Medicial%20Benefits/PdtSummary_SingTelFlex_1%20Apr%2013%20to%2031%20Mar%2014.pdfhttp://www.aia.com.sg/health/hiplans-healthshield-gold-max.htmlhttp://www.aia.com.sg/health/hiplans-healthshield-gold-max.htmlhttp://www.aviva.com.sg/life-and-health/for-individuals/health.html#myshieldhttp://www.aviva.com.sg/life-and-health/for-individuals/health.html#myshieldhttp://www.lifeisgreat.com.sg/en/jsp/products/protect/supremeshield.jsphttp://www.lifeisgreat.com.sg/en/jsp/products/protect/supremeshield.jsphttp://www.income.com.sg/insurance/enhancedshield/index.asphttp://www.income.com.sg/insurance/enhancedshield/index.asphttp://www.prudential.com.sg/corp/prudential_en_sg/solutions/protect/PRUshield.htmlhttp://www.prudential.com.sg/corp/prudential_en_sg/solutions/protect/PRUshield.htmlhttp://www.prudential.com.sg/corp/prudential_en_sg/solutions/protect/PRUshield.htmlhttp://www.income.com.sg/insurance/enhancedshield/index.asphttp://www.lifeisgreat.com.sg/en/jsp/products/protect/supremeshield.jsphttp://www.aviva.com.sg/life-and-health/for-individuals/health.html#myshieldhttp://www.aia.com.sg/health/hiplans-healthshield-gold-max.htmlhttp://dept.net.vic/dept/HR/HR%20Policies/Employee%20Benefits/Documents/Medicial%20Benefits/PdtSummary_SingTelFlex_1%20Apr%2013%20to%2031%20Mar%2014.pdf


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Medical Benefits

Introduction

The medical benefits comprise the Flexible Medical Scheme (FMS) and Maternity Benefits.

a) Flexible Medical SchemeThe Flexible Medical Scheme (FMS) covers inpatient and outpatient benefits (including

specialist services). Employees are given choice and flexibility in selecting medical benefits

that suit their changing health care needs. Employees can also purchase additional medicalcoverage for themselves and/or the family at a rate subsidized by the Company.

The FMS is designed with the following in mind:

Aligning the Companys medical benefits to the market and taking into account markettrends and developments;

Cultivating shared responsibility by employees for their own health; and Ensuring long-term sustainability of the scheme.Each FMS Plan Year is from 1 April to 31 March of the following year.

b) Maternity BenefitsMaternity benefits are provided as a lump sum to assist employees with their maternity-related expenses.

The maternity benefit is as follows:

Job Category Maternity Benefit

Per Delivery

JO S$1,200SO and above S$1,800

As this benefit covers medical, hospitalization and related expenses incurred for the

delivery, there shall be no further claims for antenatal & postnatal expenses and that it isregardless of which hospital and ward admission.

Eligibility

a) For Flexible Medical Scheme:All regular employees and their dependants are eligible for the FMS.

Dependants are defined as follows (please note that age is determined as the age at next

birthday, at the start of the Plan Year):

o Legal spouses below the age of 65;o Unmarried and unemployed legal child who is at least 15 days old and below the age of

19 years1;

o Unmarried and unemployed legal child who is at least 19 years old and below the age of25 years, where the child is registered as a full-time student in a recognized tertiaryinstitution and financially dependent on the employee for the necessities of life.
https://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/eligibility_file.htm#Note_1https://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/eligibility_file.htm#Note_1


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Note:1 Dependants who turn 18 years during the Plan Year shall be covered until the end of the

Plan Year.

b) For Maternity Benefits:All married employees who are on regular employment, are eligible for maternity benefits,upon child delivery.

If both husband and wife are working in SingTel, only the wife will be eligible to claim this

benefit. All claims must be made within 3 months from the date of child delivery.

Allocation of Points for Flexible Medical Scheme

Employees are allocated with Flex Points and Health Spending Account (HSA) Points foreach Plan Year.

a) Flex PointsFlex Points are for the purchase of Outpatient and Inpatient plans and the allocation are asfollows:

Employee Profile

Flex Points

(1 Apr 13 to 31 Mar 14)

Outpatient Inpatient Total

SO and above

with Ward A entitlement180 140 320

JO

with Ward B1 entitlement180 120 300

JOwith Ward B2 entitlement

180 80 260

The following employees will be allocated additional corresponding Flex Points for theirdependants:

A male employee who joined the Company before 1 October 2006; and A female employee who joined the Company before 1 October 2006, and who is a widow

/ divorcee / has been granted a decree nisi or decree of judicial separation.

Any pro-ration of Flex Points will be based on the insurers pro-ration formula (i.e. based oncalendar days in the month). The pro-ration formula will also be applied for medical plan

Price Tags.

b) Health Spending Account (HSA)HSA points are to subsidise Outpatient co-payments as well as purchases of specified

health-related products and services. The allocation is as follows:

Employee Profile HSA Points

Not previously certified with chronic condition (as at 11 August 2006) 30

Previously certified with a chronic condition (as at 11 August 2006) 120


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The following employees will be allocated additional corresponding HSA Points for their

insured dependants:

A male employee who joined the Company before 1 October 2006; and A female employee who joined the Company before 1 October 2006, and who is a widow

/ divorcee / has been granted a decree nisi or decree of judicial separation.

HSA Points for both the employees and their eligible dependants are combined at the

beginning of the Plan Year to be shared among the whole family unit (under a Health

Spending Account, HSA).

At the end of each medical plan year, a redemption exercise will take place for the purchase

of health-related products and services. Employees will be informed of their balance HSApoints and the redemption period for submission of claims.

Policy

Medical Plans

a) Outpatient PlansEmployees have a choice of 4 Outpatient Plans (Plans 1 to 4) as listed in Table A. The claim

limits for consultation with General Practitioner (GP) and Specialist (SP) doctors will be inaccordance to their selected plan.

Table A:

Description Plan 1 Plan 2Plan 3

(Default 1)Plan 4

(Default 2)Plan 5

(Default 3)

GP Services-Panel GP2 & Govt. Polyclinics

As charged,subject to S$5 co-pay


GP Services- Non-Panel GP

Reimbursementup to S$20 per visit,

subject to S$5 co-pay

Reimbursement up to S$20 per visit,subject to S$10 co-pay

Traditional Chinese Medicine (TCM)3 Reimbursement up to S$20 per visit, maximum of 5 visits per year

Emergency Outpatient Treatment atAccident & Emergency (A&E)4

Reimbursement up to S$70 per visit

Specialist Services5- Panel SP and Govt. SP

As charged,subject to S$15 co-

pay


Annual Employee Limit Per PlanYear6- GP, TCM and A&E

- Specialist

S$500

S$1,000

S$1,000

S$1,500

S$2,000

S$3,000

S$2,000

S$5,000

S$2,000

S$5,000

Annual Family Limit Per Plan Year(excluding Employee)6

(where selection is made to coverdependants)- GP, TCM and A&E- Specialist

S$500S$1,000

S$1,000S$1,500

S$2,000S$3,000

S$2,000S$5,000

S$2,000S$5,000

Subsidised Price Tag Per Individual(excl GST)

S$160 S$180 S$155 S$205 S$180

Default 1: Plan 3 is the standard default plan if there is no plan selection made


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Default 2: Plan 4 is the default plan for non-chronic individuals who have a family memberon Plan 5

Default 3: Plan 5 is only applicable for individuals who were previously certified with a

chronic condition, as at 11 Aug 2006

Notes:

Panel GPA list of Panel GPs can be found athttp://www.myhealthwallet.com. Panel GPs include

government polyclinics.

For employees residing in Johor Bahru, they may visit 3 new panel GP clinics, as listedbelow.

a) KLINIK MESRA LARKIN

Address: 5C-08 PUSAT PENGANGKU-TAN JOHOR BAHRU, MSIA AWAM LARKIN,JALAN GERODA 2 80350

b) KLNIK MESRA PLAZA

Address: 21 JALAN BALAU TAMAN MELODIES 80250 JOHOR BAHRU, MALAYSIAc) KLINIK MESRA TAMPOI

Address: NO 5 JALAN PERSIARAN TANJUNG JOHOR BAHRU, MALAYSIA SUSUR 1

81200 TAMPOI

Traditional Chinese Medicine (TCM)

(i) The maximum number of TCM visits claimable is 5 per year for each employee.

(ii) The maximum combined number of TCM visits claimable by insured dependants is 5per year.

(iii)All TCM expenses must be from clinics registered with the TCM Practitioners Board

(TCMPB -http://www.tcmpb.gov.sg)(iv) Tonics such as ginseng, birds nest, etc. are not reimbursable.

4Emergency Outpatient Treatment at Accident & Emergency

(i) In the event a specialist is called to the A&E department for consultation (no resultinghospitalisation or day surgery), the specialist fees will form part of the total A&E bill.

(ii) In the event of hospitalisation or day surgery, these will be considered as inpatient

expenses, and the benefits under your selected Inpatient Plan will apply.(iii)For more information on what is considered an emergency, please visit

http://www.hpb.gov.sg/emergency.

Specialist Services

Specialist consultations require a referral letter from a Panel GP, and must be referred to

a specialist on the Shenton Insurance Panel or at a Singapore Government Restructured

Hospital (GRH) (which includes NUH specialists).

6 Annual LimitShould actual expenses exceed the annual limits, the excess amount will be deducted

from your payroll.

IN CASE OF EMERGENCY

(i) Visit the nearest hospital Accident & Emergency (A&E) department for medicalattention.

(ii) A&E bills are reimbursed at up to S$70 per visit, regardless of which Outpatient Plan theemployee has selected.

(iii) In the event a specialist is called to the A&E department for consultation (no resultinghospitalisation or day surgery), the specialist fees will form part of the total A&E bill.
http://www.myhealthwallet.com/http://www.myhealthwallet.com/http://www.tcmpb.gov.sg/http://www.tcmpb.gov.sg/http://www.tcmpb.gov.sg/http://www.hpb.gov.sg/emergencyhttp://www.hpb.gov.sg/emergencyhttp://www.hpb.gov.sg/emergencyhttp://www.tcmpb.gov.sg/http://www.myhealthwallet.com/


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(iv)In the event of hospitalisation or day surgery, these will be considered as inpatientexpenses, and the benefits under your selected Inpatient Plan will apply.

(v) For more information on what is considered an emergency, please visit:http://www.hpb.gov.sg/emergency

b)

Inpatient Plans (Hospitalisation & Day Surgery)

Employees and their insured dependants may claim for hospital expenses, subject to the

ward and benefits limits of their chosen plan. Employees have a choice of 4 Inpatient Plans,

as listed in Table B.

Table B:

Description Plan 1 Plan 2 Plan 3 Plan 4

Inpatient

Room & Board Ward C Ward B2 Ward B1 Ward A

Room & Board Room & Board (inclusive of ICU), up to 90 days per disability

Employee Co-Insurance

10% Co-insurance of total eligible claims forSingaporeGovernment Restructured Hospitals(includes National UniversityHospital)

20% co-insurance of total eligible claims for Gleneagles Hospital,Mount Elizabeth Hospital, Parkway East Hospital and otherPrivateHospitals

Dependant Co-Insurance

20% Co-insurance of total eligible claims forSingaporeGovernment Restructured Hospitals(includes National UniversityHospital)

30% Co-insurance of total eligible claims for Gleneagles Hospital,Mount Elizabeth Hospital, Parkway East Hospital and otherPrivateHospitals

ICU

Misc. Hospital Services

Surgical Benefit

Surgical Implants

In-Hospital Consultation

Limit for Any One Disability7 S$20,000 S$30,000 S$40,000 S$45,000

Accidental Dental Treatment8Up to S$500 per year, subject to Specialist Services and Inpatient co-

payment of selected Outpatient and Inpatient plans respectively

Chronic Outpatient Benefits (COB)

Chemotherapy andRadiotherapy

As charged, subject to Specialist co-payment of selected Outpatient plan

Renal Dialysis9 As charged, subject to 30% co-insurance

Annual COB Limit10 S$20,000 S$30,000 S$40,000 S$45,000

Subsidised Price Tag PerIndividual (excl GST)

S$60 S$80 S$120 S$140

Notes:7 Limit for Any One Disability

"Any One Disability" shall mean all disabilities arising from the same cause including any

and all complications therefrom, except that after 28 consecutive days following the last

discharge from a Hospital, a subsequent disability from the same cause shall beconsidered a new disability.
http://www.hpb.gov.sg/emergencyhttp://www.hpb.gov.sg/emergencyhttp://www.hpb.gov.sg/emergency


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8 Accidental Dental Treatment

Refers to both inpatient and outpatient dental treatment needed to restore or replace

sound natural teeth damaged or lost as a result of an accident, at the A&E department ofa Hospital or a clinic within 24 hours following such accident. Expenses incurred as aresult of follow-up visits to the same doctor are also covered, provided that these are

incurred within 31 days of the accident.

9 Renal Dialysis

Co-insurance not applicable for insured individuals diagnosed with kidney failure before 1May 1996.

10 Annual Chronic Outpatient Benefits (COB) limits

Limits are applicable per insured individual per Plan Year.

(i) Upgrade of Inpatient PlansEmployees are provided with ward entitlements based on their job grades and may chooseto upgrade to a higher ward level. However, employees should note that plan upgrades can

only be done one level at a time and is subject to underwriting by Shenton Insurance (proofof good health is required).

The table below reflects the applicable Price Tags for the upgraded Inpatient Plans:

Price TagUpgrade from Plan 2 (Ward B2)

to Plan 3 (Ward B1)Upgrade from Plan 3 (Ward B1)

to Plan 4 (Ward A)

Subsidised Price Tag

(excl GST)S$271 S$314

(ii) Upgrade of Ward upon Hospital AdmissionIf an insured individual opts to stay in a higher ward than that of his/her selected InpatientPlan, he/she will be required to pay the difference in total bill between the upgraded wardbill and the eligible ward bill (based on equivalent of Singapore General Hospital (SGH)

rates), in addition to the applicable co-payment of the actual total bill.

E.g. Total bill under selected ward (B2) : $4,000Total bill for ward admitted into (B1) : $7,000

a) Difference in total bills : $7,000 - $4,000 = $3,000b) Applicable co-payment on B2 bill (at 10%) : 10% of $4,000 = $400c) Total bill to be borne by employee : a) + b) = $3,000 + $400 = $3,400


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(iii)Downgrade of Ward upon Hospital Admission - Cash Back Allowance BenefitIf an insured individual is hospitalised in a Singapore Government Restructured Hospital

(GRH) and stays in a ward lower than that of his/her selected Inpatient Plan, he/she will begiven a Cash Back Allowance Benefit, subject to a maximum of 45 days per disability.

The Cash Back Allowance is indicated in the table below:

Cash Back Allowance PerDay

Admission to Singapore Government

Restructured Hospital

Ward B1 Ward B2 Ward C

Insured under Ward A S$40 S$80 S$120

Insured under Ward B1 NA S$40 S$80

Insured under Ward B2 NA NA S$20

Important: Only Singaporeans and Singapore Permanent Residents (PRs) are entitled to this

Cash Back Allowance.

(iv)24 Hour Worldwide Inpatient CoverageAn insured individual is covered for inpatient treatment due to Injury or Illness while he/she

is outside the Republic of Singapore, provided the benefit payable is limited to the actual

charges or the Necessary and Reasonable Charges for such treatment in SingaporeGovernment Restructured Hospitals (GRH) whichever is the lower and subject always to the

inpatient limit as set forth in the Benefit Schedule.

Medical reports (if required) and supporting documents for claims are to be submitted inEnglish and at the insured individuals expense.

c) General Limitations and ExclusionsLimitation

When an insured individual is entitled to benefits payable under Workmens Compensation

Law or similar legislation, other group or individual insurance, the benefits payable under

this Policy shall be limited to the balance of charges not covered by benefits payable underthe Law or similar legislation, and other insurances or that calculated from the BenefitSchedule, whichever is lesser.

Diagnostic Test for Human Immunodeficiency Virus (HIV) Infection

Benefits shall cease to be payable for an insured individual who, contrary to the

recommendation of a Physician, refuses to give his consent to undergo diagnostic tests forHIV infection; such cessation to take effect from the date of the insured individuals firstrefusal to undergo the recommended diagnostic tests.


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Medishield

If benefits are payable under this Policy in respect of expenses incurred by an insured

individual which has been partly or fully reimbursed under the Medishield schemeadministered by the Central Provident Fund (CPF) Board of the Republic of Singapore, thenShenton Insurance shall pay part or all of the benefits to reimburse the CPF Board for

payments made under the Medishield scheme to reinstate partially or fully the claim limitsof the insured individual under that scheme in accordance with legislation or regulationsgoverning that scheme.

Exclusions

No benefit shall be payable for treatment related to or complications arising from any of the

following occurrences:

a) All Pre-Existing Conditions as defined in this Policy.Pre-Existing Conditions shall mean any medical conditions of an insured individual for

which have:a)been diagnosed; orb)symptoms existed that would cause an ordinary prudent person to seek diagnosis,

care or treatment; orc)medical treatment was recommended by a Physician, irrespective of whether

treatment was actually received during the 5 year period prior to the Effective Date

of insurance of the insured individual or, if insurance is subsequently reinstated, the

date of reinstatement of insurance of the insured individual.

b) Sleep disorders, psychiatric, psychotic, mental or nervous disorders, including neurosesand their physiological or psychosomatic manifestations (except as outpatient treatment

by Singapore GRH specialists); drug addiction or alcoholism; attempted suicide while

sane or insane; self-inflicted injuries or injuries sustained as a result of a criminal act ofthe insured individual; rest cures, sanitaria care or special nursing care; Acquired

Immunodeficiency Syndrome (AIDS), AIDS related complex, HIV infection or any typeof sexually transmitted disease; any communicable disease requiring isolation or

quarantine by law.

c) Routine physical examinations, health check-ups or tests not incident to treatment ordiagnosis of an actual Illness or Injury; any treatment which is not medically necessary;plastic surgery or cosmetic treatment (except due to Accidents); counselling; speech

therapy; treatment for obesity, weight reduction or weight improvement; precautionaryand preventive care; immunisations; lifestyle enhancement; procedures not generally

recognised as standard medical practice such as hydrotherapy, chiropractic, footreflexology, podiatry, experimental treatment and procedures under investigation

(except designer/experimental drug prescription on endorsement of Shenton

Insurance's medical director subject to medical efficacy); any form of dental and oral

care, treatment or surgery (except if procedure is necessitated by damage to soundnatural teeth as a result of an Accident occurring during the period of insurance);

eyesight correction or treatment; treatment for alopecia; treatment for acne; healthsupplements, vitamins unless a insured individual is diagnosed as vitamin deficient by aphysician, and over-the-counter (OTC) drugs except if classified as a medicine by the

Health Science Authority and medically necessary to treat a covered condition; Positron

Emission Tomography (PET) scan; charges for telephone, newspapers and otherineligible non-medical items (except GST charged by the Hospital or Physician).

d) Procurement or use of prostheses, corrective devices, dialysis machines (except the useof dialysis machines for Renal Dialysis treatment), medical appliances including


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spectacles, hearing aids, aero-chambers, wheelchairs, and implants including lenses(unless medically required); acquisition of artificial heart and mono-or bi-ventricular

devices and all costs relating to cornea, bone marrow, muscular, skeletal or human

organ or tissue transplant from a donor to a recipient; organ transplant; stem cellsupport therapy; treatment following brain death; nucleoside analogue; interferon andother biological response modifiers.

e) Pregnancy (including diagnostic tests for pregnancy), miscarriage (except due to anAccident), childbirth, circumcision (unless recommended on medical reasons), tests to

do with and treatment for impotence, sub-fertility and infertility, charges for abortion

(unless recommended on medical reasons) or sterilisation, and contraception.

f) Congenital anomalies or genetic defects of the insured individual present at or existingfrom the time of his birth regardless of the time of discovery of such anomalies ordefects and the time of such treatment or surgical procedure for the same, anddevelopmental abnormalities.

g) Neonatal services.h) Transport for trips made for the purpose of obtaining medical treatment except

Emergency ambulance services (to the Hospital).

i) House calls; second opinion unless upon prior approval from Shenton Insurance.j) Injuries or sickness arising directly or indirectly from insurrection, war or act of war

(whether declared or undeclared), direct participation in strikes, riots or civil

commotion, or full-time service in any of the armed forces including National Serviceunder Section 10 of the Enlistment Act, Cap. 93 of the Republic of Singapore except

National Service reservist duty or training under Section 14 of the Enlistment Act, Cap.

93 of the Republic of Singapore.

k) Treatment for Injury or Illness arising from engagement in hazardous sports, includingbut not limited to mountaineering, polo-playing, hunting, racing of any kind, winter

sports, parachuting, water-skiing and sub-aqua pursuits.

l) Treatment performed wholly or partially outside the Republic of Singapore (unlessspecified in the24 Hour Worldwide Inpatient Coveragebenefit as included).

Flexi Medical Scheme Selection and Utilisation

a) Plan Selection(i) Annual Plan Selection For Existing StaffAn annual plan selection exercise takes place around January / February for employees to:

Purchase coverage for their eligible dependants11; Upgrade/Downgrade their outpatient and inpatient medical plans12. However, any future

plan upgrades can only be done one level at a time, and will be subject to underwriting

by Shenton Insurance (proof of good health is required).

Once a selection has been made, employees are not allowed to change their medical plans

until the following annual selection exercise.


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If no selection has been made, employees will be automatically enrolled on the default planor their selected plans in the previous Plan Year. This allows the Company to ensure a basic

medical coverage is provided for all employees.

Notes:11 Dependants must be covered on the same plan as the employee, except in the case

where the employee was previously certified with a chronic condition as at 11 Aug2006.

12 Any insured individual who is currently covered under Outpatient Plan 5 is not eligible to

downgrade his/her Outpatient Plan. The same applies for his/her insured dependants.

(ii)Plan Selection for New HiresA new hire will be allocated pro-rated Flex Points from his/her date of commencement with

the Company. He/She has 3 weeks to make his/her plan selection. If no selection is made

during the enrolment period, he/she will be place on the default plan listed in Table C.

Table C:Employee Profile Outpatient Plan Inpatient Plan

SO and abovePlan 3

Ward A

JO Ward B1 or B2, depending on job grade

(iii)Plan Selection for Employees with Spouse working in SingTelWhere an employee has a spouse working in SingTel, both individuals will be considered as

individual employees for points allocation and plan selection. If an option is made to coverthe wife as a dependant, the employee should notify Shenton accordingly. Flex and HSA

Points will be allocated based on the above decisions.

In any case, the children of the couple will be tagged as dependants under their father.

(iv)Changes During the YearChange in Marital and/or Dependant Status

Employees may include or remove their dependants for coverage during the Plan Year, onlyunder the following circumstances:

Change in marital status13: To add a dependant (e.g. upon marriage) or withdraw adependant (e.g. widowed, separated or divorced).

Change in dependant status14: To add new eligible dependants under his/her currentselected plans (e.g. newborn).

Employees who had joined the Company before 1 October 2006 and have a change ineligible dependant status (i.e. new spouse/child) will be eligible for pro-rated Flex Points for

their dependants from date of enrolment.

Notes:13 Change in Marital Status


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For employees, who wish to withdraw any dependants due to change in marital status

(e.g. widowed, separated or divorced), premium refund will be done on a pro-rated

basis.

14 Change in Dependant Status

To take up coverage for newborn, this has to be taken up within a 30-day eligible period

from date of birth. If an employee has not opted to cover his/her child within theeligible period, he/she will only be able to cover the child at the next annual plan

selection exercise.

If the employee has already insured his/her first child, all subsequent children will beautomatically included. Administration procedures need to be observed.

Promotion

For an employee who is promoted during the Plan Year, additional Flex Points (if applicable)

shall be allocated on a pro-rata basis, with effect from his/her date of promotion.

Similarly, he/she shall be entitled to the higher hospital ward entitlement (if applicable), inthe event of any hospitalisation.

A re-selection of medical plans can be made at the next annual plan selection exercise. If

no selection is made at that time, he/she will be defaulted to the new ward entitlement.

b) Flex Points & HSA Points UtilisationEmployees may select their medical plans according to their allocated Flex Points. In

general, sufficient Flex Points are allocated for employees to purchase their default plans (1Flex Point = $1 Price Tag).

The following outlines the scenarios if an employee selects a plan above or below his/her

allocated Flex Points.

Price Tag of Selected Plan > Allocated Flex Points

In the event the total Price Tags of the selected Outpatient and Inpatient plans exceedthe allocated Flex Points, the excess shall be deducted from the employees payroll.

Price Tag of Selected Plan < Allocated Flex Points

In the event the total Price Tags for the selected Outpatient and Inpatient plans arebelow the allocated Flex Points, the remaining Flex Points shall be added to the

employees Health Spending Account (HSA) for subsidy of GP/SP co-payment or forpurchase of health-related products and services.

Any unutilised Flex points can be used to subsidise the premium of the employees CPFMedisave-Approved Private Integrated Shield Plan.

c) Claimable Health-Related Products and ServicesDuring the annual redemption exercise for any balance Flex/HSA Points, employees shouldtake note that the claimable items may be taxable.


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The following table summarises the taxable and non-taxable claimable items:

Non-Taxable Claimable Items Taxable Claimable Items

Alternative remedy products e.g.essential oils, herbal products

Medical products e.g. off the shelfmedicines, Panadol, Vicks

Medical Appliances e.g. blood pressuremonitor

Health screening, vaccinations andimmunizations expenses foremployees and dependents

Premium for employees ownMedisave-Approved Private Integrated

Shield Plan (claimable using onlybalance Flex Points, and not HSAPoints)

Maternity-related expenses e.g.diapers, supplements

Nutrition products e.g. vitamins,supplements, protein powder

Weight management products e.g.meal supplements

Beauty products e.g. cleansers,toners, masks

Do note that food products are not claimable (e.g. chocolates, sweets, chips, etc.)

d) Cessation of EmploymentThe following table summarises the treatment of Flex & HSA Points and Price Tags alreadypaid, in the event of an employee's cessation of employment with SingTel.

Type of

CessationTreatment of Flex & HSA Points

Treatment of

Price TagsAlready Paid

Resignation Forfeited automatically. Refund to

employee onpro-rata basisRetirement HSA Points: Not pro-rated.Flex Points: Pro-rated.

Employee may use combined amount for purchase ofhealth-related products/services, and for reimbursement

of SP co-payment.

SRS, SOS HSA Points: Not pro-rated.

Flex Points: Pro-rated.

Employee may use combined amount for purchase of

health-related products/services, and for reimbursementof GP/SP co-payment.

Medical

Board Out

HSA Points: Not pro-rated.

Flex Points: Pro-rated.Employee may use combined amount for purchase ofhealth-related products/ services, and forreimbursement of SP co-payment.

Death inservice

HSA Points: Not pro-rated.

Flex Points: Pro-rated.

Amount will be credited to employee's bank account.

Dismissals Forfeited automatically. Recovery made for any excessFlex Points used.


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While serving notice of resignation, an employees medical coverage willcontinue. However, cash payments shall be required for all treatments, which can be

claimed thereafter according to the current claims process.

Factors to Consider when Selecting Your Medical Plans

Plan Selection should be treated seriously, as having adequate medical coverage protects anindividual employee and his/her dependants against the serious financial consequences of a

high hospital bill.

If medical coverage is inadequate, an individuals savings and CPF Medisave account may bequickly depleted.

Do consider the following:

a) The level of comfort and quality of medical treatment you expect. E.g. what class ofward would you or your dependants prefer, should hospitalisation be necessary?

You should choose an insurance plan that allows you to stay in your choice of ward.If you choose a low ward entitlement now but later decide to stay in a higher classward upon admission, you will have to pay a room-jumping penalty, which will costmore than what you have to pay now to upgrade your plan.

b) If your dependants have any other medical coverage and whether these are portable,and offer lifetime coverage.

c) If you or your dependants need regular medical care: If yes, you will need to protect yourself from high medical bills. You should not

downgrade your current benefits plan since future upgrades of plan will be subjected

to the insurer's approval based on your health status.

If no, you will need coverage to pay for your expenditure for occasional visits to thedoctor. Of course, there is always the risk that a condition develops in the middle ofa Plan Year and your coverage will be insufficient if you had already made a previous

downgrade.

d) How much you will need to cover hospital bills (which are large and occasional) vs.outpatient bills (which are smaller but more frequent).

Planning for Your Long-Term Healthcare Needs

(through Basic Medishield, or CPF Medisave-Approved Private Integrated Shield Plans)

Employees who currently do not have a CPF Medisave-Approved Private Integrated Shield

Plan are strongly encouragedto view this short presentation on Planning for Your Long-

Term Healthcare Needs.

To launch the presentation, click on the hyperlinks below:Intranet:http://learning.app.vic/eCourse/Flexi_Medical_Scheme/module2/player.htmlInternet*:

https://learning.singtel.com/eCourse/Flexi_Medical_Scheme/module2/player.html

*For internet access, please login as SingTel\ under the User Name.
http://learning.app.vic/eCourse/Flexi_Medical_Scheme/module2/player.htmlhttp://learning.app.vic/eCourse/Flexi_Medical_Scheme/module2/player.htmlhttp://learning.app.vic/eCourse/Flexi_Medical_Scheme/module2/player.htmlhttps://learning.singtel.com/eCourse/Flexi_Medical_Scheme/module2/player.htmlhttps://learning.singtel.com/eCourse/Flexi_Medical_Scheme/module2/player.htmlhttps://learning.singtel.com/eCourse/Flexi_Medical_Scheme/module2/player.htmlhttp://learning.app.vic/eCourse/Flexi_Medical_Scheme/module2/player.html


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Procedures

a) Enrolment of Medical PlanThe following is the step-by-step approach for plan enrolment:Step 1: Go tohttps://www.myhealthwallet.comand enter Login ID and password.

Step 2: Click Flexi-Medical Plan Enrolment to choose the dependants to enrol.Step 3: Click Continue to choose benefits.Step 4: Click Continue to review and confirm choices.

Step 5: Click Confirm and print the Acknowledgement Page.

Step 6: If an employee is required to complete the Health Declaration Form, he/she shouldprint, complete and sign the form. He/She may submit the form at drop boxeslocated at any one of the following:

Comcentre: Basement 2 Clinic Pickering Operations Complex (POC): Lobby Serangoon North: Lobby Singapore Post Centre: Shenton Medical Group, #B1-01

Employees may view further details in the followingOnline Enrolment User Guide.

b) Use of Medical Card for Cashless ServicesEmployees are given a medical card by Shenton Medical Group, which is to be presented

during his/her visit to a Panel GP/SP to enjoy cashless services.

Employees may be asked to provide additional verification of identity. Employees are not required to co-pay for each visit at a Panel GP/SP clinic, as this will

be deducted from the employees HSA/Flex Points (if applicable) or his/her payroll.

If the employee does not have his/her medical card during the Panel GP/SP visit, he/sheshall be required to pay for the entire bill upfront. The employee may then submithis/her claim according to theclaims process.

c) Specialist ReferralEmployees are required to obtain a referral letter from a Panel GP before visiting a

Specialist. The specialist must be on the Shenton Insurance Panel or from a SingaporeGovernment Restructured Hospital (includes NUH specialists).

As the referral letter is typically retained by the Specialist, employees should make a copy

of the referral letter for claim submission later on.

d) Inpatient AdmissionEvent Process

Prior To Hospital

Admission / Day Surgery Request for Letter of Guarantee (LOG) for the purpose

of waiving the deposit with the Inpatient Admission

Authorisation (IAA) Form issued to you by hospital

Fax the IAA form to Shenton Insurance at 6836 6006and call Shenton at 6280 2889 to obtain a copy of theLOG for reference

Upon approval, Shenton will issue the LOG to thehospital within 3 to 7 working days
https://www.myhealthwallet.com/https://www.myhealthwallet.com/https://www.myhealthwallet.com/https://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/online+enrolment+user+guide+2013.pdfhttps://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/online+enrolment+user+guide+2013.pdfhttps://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/online+enrolment+user+guide+2013.pdfhttps://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/online+enrolment+user+guide+2013.pdfhttps://www.myhealthwallet.com/


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Upon Hospital Admission Complete the Medisave Withdrawal Form to authorisedeductions from your Medisave account

Activate Medishield/Private Shield Plan at the hospitalfor the co-payment portion or excess amount not

covered by Shenton Insurance

For emergency admission, show your Shenton card andLOG can still be arranged with Shenton Insuranceduring your hospital stay

Upon Discharge fromHospital

The hospital will bill the balance hospital charges (afterMedisave deduction) to Shenton Insurance if an LOGhad been obtained. The hospital will send you a copyof the invoice

If there is no LOG arrangement, submit your claimaccording to the claims process.

Notes:

a) For outpatient renal dialysis or cancer treatments at Singapore GovernmentRestructured Hospitals (GRH), an LOG can be arranged upon request.

b) An LOG would not be issued for conditions which are excluded e.g. pre-existingconditions, transplants, etc.

c) In general, the quantum which the LOG covers would either be based on the estimatedcost of the treatment or the remaining amount of the staff's limits, whichever is lower.

e) Claims & Reimbursements / RecoveriesAs a guide, you are advised to submit all your claims within 3 months from the date of visit.

Outpatient Claims Inpatient Claims

GP SPHospitalisation /

Day Surgery

MaternityBenefit

Supporting documents needed, in addition to Medical Reimbursement Claim Form:

Original bill/receiptFor TCM, diagnosis and

prescribed medicine items

issued by the TCMPractitioner

For visits to JB Panel GPs,employees are to present

the Shenton card, pay forthe visit and submit a

claim for reimbursement

thereafter (prevailingexchange rate based onSingapore Custom

Currency Conversion rate

will be referred for claimsprocessing).

Panel GPreferral letter

Final originalinvoice

Final original hospitalinvoice

Discharge Summary(request upondischarge); or

Inpatient AdmissionAuthorization (IAA)

Form - withindication ofdiagnosis; or

Doctor'smemo/report (may

be chargeable and at

employees ownexpense)

Final originalinvoice

Child birthcertificate(Please scan toHR Benefit

Unit)

Submit the completed form and supporting documents at any of the Drop Boxes indicated

below.

Comcentre: Basement 2 Clinic Pickering Operations Complex (POC): Lobby


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Serangoon North: Lobby Singapore Post Centre: Shenton Medical Group, #B1-01

Reimbursement Dates

Reimbursements will be through GIRO or Payroll. The reimbursement process will be within2 to 4 weeks from date of receipt. These shall be credited into the employees bank accounton the 15th or 30th of each month. The employee shall receive a payment advice from

Shenton, detailing the breakdown of the reimbursements.

For reimbursements via payroll, the reimbursement schedule is as follows:

Claims submitted on or before 25th of the month:Reimbursement through the following month's payroll

Claims submitted after 25th of the month:Reimbursement through the subsequent month's payroll

Reimbursement / Recovery Process

All reimbursements and recoveries shall be made into/from the following.

Type of ClaimsRecover

FromReimburse Into

GP Payroll Bank Account (via GIRO)

Specialist Payroll Bank Account (via GIRO)

Inpatient Payroll Bank Account (via GIRO)

Maternity Benefit NA Payroll

HSA Payroll Payroll

f) Medical Portal - My Health WalletEmployees have access to the My Health Walletportal http://ww.myhealthwallet.comto

view details of their medical plan entitlements, allocated and utilised Flex and HSA Points,

and medical claims.

The list of Panel GP clinics and their locations, operating hours, etc. are also available on theportal.

g) Hotline NumbersEmployees may contact the following:

For questions on medical policy: Shenton Hotline 6280 2889 or [email protected] (operational

during office hours)

Respective Business HR Manager For basic medical advice:

Shenton Medical Care Hotline (24-hour) 7000-743 6866
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Frequently Asked Questions (FAQs)

a) GENERAL1. Who is our Medical Insurer/Provider?

Our medical insurance and health provider is Shenton Insurance Pte Ltd (SIPL) and theyare located at:

Address is 20 Bendemeer Road #01-09/10 Singapore 339914.

2. When will my dependants and I receive our Healthcare Benefit Card?You will receive your Healthcare Benefit Card within one month from the date ofenrolment of the medical plan.

b) OUTPATIENT PLANSGeneral Practitioner (GP)

1. Where can I go to seek GP consultation & treatment?You may visit any of the clinics on the panel or Government Polyclinics. For a full list,

please login tohttp://www.myhealthwallet.com.

If you visit a non-panel GP, the reimbursement is subject to the limits per your selectedOutpatient Plan.

2. Do I have to co-pay for GP consultation & treatment?Yes, you will need to co-pay for panel GP or Government Polyclinics. The co-paymentshall be in accordance to the medical plan that you have selected. You may use HSA

Points to offset for co-payments.

You are also required to co-pay for visit to non-panel GP clinic. However, you are

required to pay the amount at the clinic and submit your claim for reimbursement.

In the event that you do not have sufficient HSA, the co-pay amount will be deductedfrom your payroll instead.

3. What is defined as a follow-up visit at panel clinics for GP treatment?A follow-up visit occurs when you return to the same panel clinic (even though you may

be seen by a different doctor from the same clinic) within 7 days from the initialconsultation and with the same diagnosis. In this case, no co-payment is necessary.

Do note that subsequent visits (ie. third visit onwards) are not considered as follow-upvisits. In addition, routine check-ups (eg. regular visit for high blood pressure) and

repeat visits to polyclinics are not considered as follow-up visits.

4. Is there also a limit to the number of GP visits which I can claim?There is no limit to the number of GP visits but the total dollar value claimable will be

capped by the annual limits of your selected Outpatient Plan. If your dependants are
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covered under the medical scheme, please note that you and your dependants will havea separate annual limit each.

5. If I have fully utilized my annual limit, can I make use of my dependantsannual limit?

The annual limits for you and your dependants are non-transferrable. Hence, you arenot allowed to use the annual limit of your dependants should you fully utilize your ownannual limit.

Traditional Chinese Medicine (TCM)

1. I understand that the outpatient scheme allows for claims to be made forconsultations with Traditional Chinese Medicine (TCM) practitioners. Is there a

limit to the number of visits per year?

The number of outpatient visits you may claim for TCM consultations is limited to 5 peryear for yourself. If your dependants are insured, the combined TCM visits by your

dependants would be limited to a total of 5 per year.

2. Why is there a limit to the number of TCM visits per year?TCM coverage is not widely provided by employers in Singapore. Where provided, it is

common to have a limit for such alternative treatment visits.

3. How can I find out which are the recognized TCM clinics?Recognized TCM clinics are those which are registered with the TCM Practitioners Board.

The list is available athttp://www.tcmpb.gov.sg/tcm/.

4. Can my TCM claims be drawn down from my Health Spending Account (HSA)points?

Your TCM claims will draw down the annual limits of the Outpatient Plan that you have

selected, rather than your HSA Points. This is because TCM claims are managed on a

reimbursement basis and do not require any co-payment. (Note that HSA Points areallocated specifically to defray the co-pay portions of your outpatient visits.)

5. Will Medical Certificates (MCs) issued by TCM clinics be recognized?MCs issued by TCM clinics will not be recognized.

Specialist (SP)

1. When are co-payments not applicable to Specialist visits?You will not be required to make a co-payment if you have been asked to return to the

Specialist clinic but no consultation with the specialist was made eg. for follow-up visits

on separate occasions for the same diagnosis*, for laboratory investigations or for thepurchase of drugs prescribed by the specialist.

*Exception For those undergoing physiotherapy, co-payment is required.
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2. Do I need a fresh referral letter each time I visit the specialist?If you are seeing a panel specialist for follow-up visits, you are not required to get a

fresh referral letter for each visit. However, if the visit is for a different medicalcondition, then you are required to get a fresh referral letter.

3.

I have just joined SingTel. I have been seeing a specialist who is not on thepanel. Can I continue to see this specialist?

No, you may only see a specialist on the approved panel, if you wish to have your

expenses covered.

4. I have a young baby. Can I claim for visits made to a paediatrician?As paediatricians are considered as specialists, you may only claim for such visitsprovided that a referral from a panel GP clinic has been obtained.

5. How will I know if I have reached the annual GP or Specialist limits of myselected plan?

Shenton will send you an email or letter when your utilization reaches 25%, 50%, 75%and 100% of your annual limit.

Upgrade and Downgrade of Outpatient Medical Plan

1. Can my dependants and I opt to be on different Outpatient Plans from eachother? If no, why not?

In line with the insurance market practice, your dependants and you must be on thesame Outpatient Plan ie. if you are on Outpatient Plan 3, your dependants must also be

on Outpatient Plan 3.

2. Why am I not able to opt for a different Outpatient Plan when those underOutpatient Plan 5 can opt to cover their dependants under Outpatient Plan 4?

Employees and/or dependants who were certified with a chronic condition in 2006 weredefaulted to Outpatient Plan 5. This includes their insured dependants who were not

certified with any chronic condition.

With effect from 1st April 2011, those in Outpatient Plan 5 but were not certified withchronic condition will be defaulted to Plan 4. This is a refinement in plan administration

as the benefit levels for both Outpatient Plan 4 and Plan 5 are the same.

3. I was not certified with any chronic conditions in 2006 and had made an optionto be on Outpatient Plan 3. However, in recent years, I have developed a

chronic condition. Can I opt to upgrade my outpatient plan to Plan 4 or Plan 5?

All plan upgrades are subject to underwriting by the insurance company. You will be

subject to review by the insurance company if you wish to upgrade to Outpatient Plan 4.

Outpatient Plan 5 is only applicable to a specific group of employees already certifiedwith a chronic condition as at 2006.

At SingTel, we partner with Parkway Shenton to offer a Chronic Disease Management

Program for employees with chronic conditions such as high blood pressure, high


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cholesterol and diabetes. This program provides consultation and education to helpaffected individuals to better control and improve their medical conditions. All costs

relating to this program are absorbed by SingTel except for co-payment of outpatient

visits and any medical expenses exceeding your selected plan limits.

If you would like to benefit from this program, you may contact our Care Coordinator, Dr

Khin, for an appointment:

E-mail: [email protected]

Mobile: +65 96480072 (Mondays to Fridays, excluding Public Holidays: 0900 - 1700 hrs)

Your participation will be treated in strict confidence and will be known only to ParkwayShenton.

c) INPATIENT PLANS AND CHRONIC OUTPATIENT BENEFITS (COB)1. Which are the Government Restructured Hospitals and Private Hospitals in

Singapore which I can visit?

You may visit one of the following hospitals.

Singapore Government Restructured

HospitalsPrivate Hospitals

Alexandra HospitalChangi General Hospital

Communicable Disease CentreInstitute of Mental HealthJurong Medical Centre

Khoo Teck Puat Hospital

KK Women's & Children's Hospital

National Cancer CentreNational Heart Centre

National Neuroscience Institute

National Skin CentreNational University Hospital

Singapore General Hospital

Singapore National Eye CentreTan Tock Seng Hospital

Mount Elizabeth HospitalGleneagles Hospital

Parkway East HospitalMount Elizabeth Novena HospitalMount Alvernia Hospital

Thomson Medical Centre

Raffles Hospital

2. How will I know what my hospital expenses are, and the amount deductedfrom my Medisave Account?

You should receive a copy of the bill from the hospital, and a letter from CPF Board

advising you of the maximum deductible amount from your Medisave Account. In theevent that the amount deducted from your Medisave account is more than your co-payportion, Shenton Insurance will make the necessary reimbursements of the excess into

your Medisave account.

3. I noticed that there are 2 types of limits shown under the inpatient scheme (i)Inpatient Per Disability Limit and (ii) Annual Chronic Outpatient Benefit (COB)

Limit. What is the difference between the two?

The key difference between the 2 types of inpatient limits is that the Inpatient PerDisability Limit applies for inpatient treatment (e.g. appendectomy, dengue fever, etc.)
mailto:[email protected]:[email protected]


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while the Annual COB Limit applies specifically to chemotherapy, radiotherapy and renaldialysis treatments, which are typically conducted on an outpatient basis.

4. Am I eligible for the Chronic Outpatient Benefit (COB) limit if I was notcertified with any chronic condition in 2006?

The COB limit is applicable to ALL employees specifically for chemotherapy, radiotherapyor renal dialysis treatments, as needed.

5. How will the Per Disability Limit affect me if I have more than one hospitaladmission for the same condition?

If you are admitted twice for the same condition, and the 2 nd hospital admission occurs

more than 28 days after the discharge date of your 1 st hospital admission, it shall betreated as another disability ie. your 2nd hospital claim shall count towards a new limit.

d) MEDISAVE-APPROVED PRIVATE INTERGRATED SHIELD PLANS1. Why do I need to take up my own Medisave-Approved Private Integrated Shield

Plan?

We encourage you to review your own needs to ensure that you have adequate

insurance to cover continuous long-term healthcare needs, even beyond your

employment with SingTel. It is important that you do so before you develop any pre-existing conditions that might affect your eligibility for medical insurance coverage.

A personal Medisave-Approved Private Integrated Shield Plan offers the following

benefits:

(a)Portability;(b)Lifetime coverage; and(c)Coverage for medical expenses on an As chargedbasis.Illustration: Most Singaporeans are covered with basic Medishield, which helps cover upto 80% of Class B2/C hospital bills. If you plan on being admitted into private hospitals,

or into Class A/B1 wards of Singapore Restructured Hospitals, you need to enhance your

basic Medishield plan by taking up a personal Medisave-Approved Private IntegratedShield Plan.

2. If I take up a personal Medisave-Approved Private Integrated Shield Plan, howcan I minimise the duplication of coverage?

You will be given the option to downgrade your company Inpatient Plan to purchase a

Medisave-Approved Private Integrated Shield Plan with your available Flex Points. Even

if you take up a personal Shield Plan, the company wants to assure at least a basic levelof medical coverage while you are employed with us.

Please ensure that your Medisave-Approved Private Integrated Shield Plan is approvedby your Shield insurer before you downgrade from your current company Inpatient Plan.

3. Instead of downgrading my Inpatient Plan, can I choose not to be covered bythe company plan at all, and use all my Flex Points to pay for my Medisave-

Approved Private Integrated Shield Plan premiums instead?


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The company plan requires that you maintain a basic level of coverage at a minimum.Hence, you cannot be excluded totally from the company plan.

4. How many Flex Points can I get when I downgrade my company plan to buythe Medisave-Approved Private Integrated Shield Plan?

This will depend on the Flex Points allocated to you for your Inpatient Plan vs. theInpatient Plan that you eventually opt for. You will be able to see your Flex Pointsbalance at the MyHealthWallet portal during plan selection.

5. Why is it that my Medisave-Approved Private Integrated Shield Plan premiumscan only be claimed from my balance Flex Points, and not from my balance HSA

Points?

Flex Points are allocated to help you purchase outpatient and inpatient medicalcoverage, while HSA Points are allocated to defray the co-payments of your outpatient

visits. Hence, Medisave-Approved Private Integrated Shield Plan premiums can only be

claimed from the balance of your Flex Points.

6. Is there a particular best or recommended Medisave-Approved PrivateIntegrated Shield Plan?

The Medisave-Approved Private Integrated Shield Plans offer similar coverage with the

following features:

Guaranteed renewable, up to lifetime; and Claims on an as-charged basis.You should take into consideration the various benefits, affordability and sustainability of

the Shield Plan alternatives before you make your final decision.

7. I am interested in buying Riders (or additional cover) for the deductibles andco-insurance of my Medisave-Approved Private Integrated Shield Plan. Why do

I need to pay for the premium of these riders through cash and not throughMedisave deductions?

Payment in cash is a regulatory requirement for such products.

8. If I am currently covered by a Medisave-Approved Private Integrated ShieldPlan, can I still change my Shield Plan insurer?

To switch from one insurer to another, you are required to declare your health status forunderwriting. If you have developed pre-existing medical conditions, you may not be

covered by the new insurer. We do not encourage you to switch insurers if you have

pre-existing conditions. Please consider your available options carefully.

9. If I have a medical claim, do I claim from the Medisave-Approved PrivateIntegrated Shield Plan first or from the company plan?

You should make your claim against the company plan first. The remaining balance may

be claimable from your Medisave-Approved Private Integrated Shield Plan. Do declare

the details of your Shield Plan to the hospital at admission.

e) FLEX / HEALTH SPENDING ACCOUNT (HSA) POINTS AND PRICE TAGS


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1. How are Flex/HSA Points and Price Tags determined?Flex Points are allocated so that you can purchase your Outpatient and Inpatient Plans.

On the other hand, HSA Points are given to defray outpatient co-payments and forpurchases of specified health-related products and services at the end of each medicalplan year.

As SingTel subsidises the medical insurance premiums, the allocated Price Tags for theOutpatient and Inpatient Plans represent only a share of the actual medical insurance

premiums paid each year.

2. Will Flex/HSA Points and Price Tags be refreshed every year?Flex/HSA Points and Price Tags are subject to review each year as medical premiumstend to increase each year due to medical inflation. Therefore, Flex Points will bereviewed to ensure that you have sufficient points to purchase your medical plans

according to your entitlements. Any changes will be shared with you prior to the start of

your medical plan selections.

3. I was defaulted to Outpatient Plan 4 as one of my insured dependants wascertified with a chronic condition as at 2006. Given that the Price Tag forOutpatient Plan 4 is higher than the Price Tag for Plan 5, how will this affect

my Flex Points allocation?

There is a difference of 25 points for the Price Tags of Outpatient Plans 4 and 5. Toensure that you have sufficient Flex Points to be covered under Plan 4, you will be given

an additional 25 Flex Points.

4. If I have not used up all of my Flex/HSA Points at the end of the medical planyear, can this be automatically credited into my Medisave account or into mypayroll instead of my having to make a claim against purchases of approved

health-related products and services?

We will credit the unused Flex Points into your Medisave account if you are claiming foryour Medisave-Approved Private Integrated Shield Plan premium. Please note that any

unconsumed Flex or HSA Points will be forfeited if you did not make claims during the

annual redemption period.

f) MEDICAL PLAN ENROLMENT1. Am I allowed to enrol / make changes to my medical plan selection at any time

during the medical plan year?

Medical plan selections are conducted annually. Once you have selected your plan, youwill not be able to make any changes during the medical plan year. In February, you will

be required to make your plan selections for the year ie. 1 April of the year to 31 Marchof the following year.

2. How do I make my plan selections?Plan selections are made online via http://www.myhealthwallet.com. More details willbe provided to you when the annual plan selection exercise commences.
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3. My wife and I are both employed in SingTel. How should we cover for our childdependants during plan selection?

If you wish to cover your child dependants, they will be tagged as dependants undertheir father.

g) OTHERS1. Who would be considered dependants eligible for medical insurance

coverage?

Dependants who are eligible for medical insurance coverage is defined as follows

(please note that age is determined as the age at next birthday, at the start of the PlanYear):

Legal spouses below the age of 65; Unmarried and unemployed legal child who is at least 15 days old and below the

age of 19 years1;

Unmarried and unemployed legal child who is at least 19 years old and below theage of 25 years, where the child is registered as a full-time student in arecognized tertiary institution and financially dependent on the employee for thenecessities of life.

2. Can I claim for medical costs that are incurred overseas during personal trips?You may claim reimbursement only for inpatient treatment due to injury or illness while

outside Singapore. Claims can be made for up to the lower of the following, subject tothe inpatient limit of your selected plan:

(a) Actual charges, or

(b) Necessary and reasonable charges for such treatment in Singapore RestructuredHospitals.

Please note that any required medical reports and supporting documents for the claims

will have to be submitted in English (charges incurred for translation and other suchservices are not covered under the medical plan).

3. Can I continue to be insured under my current medical plan after I retire fromSingTel?

Your current medical plan is taken up through your employment with SingTel and it will

cease when you retire from SingTel. Nevertheless, we have negotiated with Shenton fora standard package for employees who wish to purchase personal medical insurance

upon retirement. To find out more about this option, please contact Shenton at 6280

2889 or [email protected].
https://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/eligibility_file.htm#Note_1mailto:[email protected]:[email protected]://hr1.vic/ehr/Content/Human+Resource/employee+benefits/medical+health/eligibility_file.htm#Note_1


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Others

a) Basic Health ScreeningAll employees are provided with a free Basic Health Screening package in each Plan Year.

The package includes the following: Medical History Physical Examination ECG Chest X-Ray Urine Analysis Lipid Profile Fasting Blood Glucose Treadmill or Mammogram (see Note 11 below) Pap Smear & breast examination for females

Note

In accordance with medically recommended ages for persons without risk factors:-Treadmill is advised for males above 40 years old, and for females above 50 years;-Mammogram is advised for females above 40 years old.Location: Shenton Medical Group11 Collyer Quay, #18-01The Arcade, Singapore 049317To Book an Appointment: 6507 9710(Do note that the peak periods tend to be in the months of June and December. Hence, if

you prefer an appointment during these months, do book your appointments early.)

Health Screening for DependantsVarious health screening package are made available to dependants of SingTel employees.

These are:a) Health Scan I (S$45), comprising:

(i) Medical Examination(ii) Lipid Profile(iii) Fasting Blood Glucose(iv) Urine Analysis(v) Electrocardiogram (ECG)(vi) Chest X-ray(vii) Pap smear at an additional S$20

b) Health Scan II (S$160), comprising:

(i) Medical Examination(ii)Lipid Profile(iii)Fasting Blood Glucose(iv)Urine Analysis


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c) Vaccinations for Official Overseas Travel

Before embarking on a business trip, you are encouraged to visit either one of the following

Shenton clinics to seek advice if vaccinations / medications are needed: Comcentre Basement 2 Clinic, or Shenton Medical Group at The Arcade

You will be required to complete theRequest for Vaccination Form, which is to be duly

certified by your line manager.
https://hr1.vic/ehr/Content/Human+Resource/application+forms/request+for+vaccination+.asphttps://hr1.vic/ehr/Content/Human+Resource/application+forms/request+for+vaccination+.asphttps://hr1.vic/ehr/Content/Human+Resource/application+forms/request+for+vaccination+.asphttps://hr1.vic/ehr/Content/Human+Resource/application+forms/request+for+vaccination+.asp

Flexi Medical Plan Brochure

Documents

Transcript of Flexi Medical Plan Brochure