Medical and Non-Medical Insurance Benefits

Yale-NUS College provides faculty with a comprehensive medical and healthcare plan including overseas medical benefits. You are eligible for medical insurance if it is provided in your employment contract with Yale-NUS College.

The plan year period is from 1 July of the current year to 30 June of the following year. For faculty whose appointments involve intermittent periods of resident servce with Yale-NUS, only medical expenses incurred during the periods of resident service will be covered.

Outpatient Medical Plan

Overview

 Outpatient Picture

Co-Payments

Clinic type Co-payment by insured per visit Cap on amount payable by insurer per visit Use of medical card
Polyclinic $5 No No
Panel private GP $10 No Yes
Non-Panel GP $10 $25 No
Panel private Specialist
(with referral from panel GP or polyclinic)
$25 No Yes
Non Panel Specialist(including SOCs* with referral from panel GP or polyclinic) $25 No No
Panel/ Non-Panel Specialist (with referral from non-panel GP) $25 $10, up to 5 visits per plan year No
Panel/ Non-Panel Specialist (no referral) Not payable Not payable No
A&E in Singapore or overseas hospitals $10 $100 No
Overseas Non-emergency GP visit $10 $25 No
Overseas Non-emergency specialist visit $25 $100 No

Medical insurance cards will be issued to each faculty and enrolled dependant usually within a month of assuming duty. With the medical insurance card, faculty and enrolled dependants will only be required to pay the applicable co-payments at panel private GPs and panel private specialists (if referred by a panel private GP). Excluded items as listed in Annex C  will still have to be borne by the faculty.

Product Summary

Please click on Annex A to view the product summary.
Please click on Annex C for more details on general exclusions.

Panel GP and Specialist Clinics

Please click here to view the list of AIA panel private GP and specialist clinic.

Claims Procedures

For outpatient claims, faculty will only need to submit a claim via the Medical & HealthChoice system when the Medical Insurance card cannot be accepted under scenarios outlined in the copayment table.

After successful filing of the claim through the system, print a copy of the submission, clip the original receipts to it and drop it off at the collection box located at Elm College; Mezzanine Level.

Inpatient Medical Plan

Overview

 Inpatient Picture

Policy Schedule Table

GROUP HOSPITAL & SURGICAL (Maximum Per Policy Year per Insured Person)
Plan A+ Plan A Plan B1 Plan B2
S$ S$ S$ S$
Highest Ward Eligibility ##
1. (a) Room & Board 1 Bedded Private 1 Bedded GRH 4 Bedded GRH 5 & 6 Bedded GRH
(b) Intensive Care Unit (ICU) 10,000 10,000 10,000 10,000
Inpatient Benefits2. Other Hospital Services (max.120 days)*3. Surgical Benefits**(subject to Surgical Schedule of Fees for private hospitals)4. Daily In-Hospital Doctor’s Consultation(max. 120 days)*Outpatient Benefits5. (a) Pre-Hospitalisation Specialist Consultation (within 90 days prior to admission)Pre-Hospitalisation Diagnostic X-ray and Laboratory Fees (within 90 days prior to admission)(b) Post-Hospitalisation Treatment (within 90 days of discharge) 45,000 40,000 35,000 30,000
6. Death Benefit 5,000 5,000 5,000 5,000
7. Outpatient Kidney Dialysis/ Cancer Treatment***(max.per policy period) 20,000 15,000 10,000 8,000
8. Miscarriage Benefit including ectopic pregnancy 1,500 1,500 1,500 1,500
9. Surgical Implant 7,000 7,000 3,000 3,000
Co-Payment### 10% 10% 10% 10%
10. Pro-ration Factor ###(Payable by Insurer)
– Private Hospital/ Medical Institution N/A 65% 50% 25%
– Restructured Hospital-Class A N/A N/A 85% 35%
– Restructured Hospital-Class B1 N/A N/A N/A 45%
– Restructured Hospital-Class B2 N/A N/A N/A N/A
* Limit Any One Disability** Surgical Schedule waived for Government/ Restructured Hospitals including NUH *** This benefit does not apply to employees or their dependants who join the Policyholder after 1 April 2007 and is suffering from pre-existing conditions requiring
kidney dialysis/ cancer treatment# As charged means Room & Board will be reimbursed as per your bill for all admissible claims up to your highest ward eligibility, subject to co-payment. No inner limits shall apply. ## Please refer to Ministry of health website www.moh.gov.sg
for information on different wards and hospitals in Singapore ### Co-payment shall apply to items 1 to 10 & 12 #### Pro-ration factor shall apply to items 1 to 10 & 12 for hospitalisation in wards higher than member’s selected/ accepted
insured plan. No pro-ration factor will be applied to (a) day surgery, (b) outpatient kidney dialysis and cancer treatment received from a Govt/Rest. Hospital and (c) non voluntary upgrading/ upgrade to higher ward by the hospital due to no
entitled room available.

 

Product Summary for Group Hospital & surgical

Please click on Annex B to view the product summary.
Please click on Annex C for more details on general exclusions.

Letter of Guarantee (LOG)

A Letter of Guarantee is required if you are admitted to the hospital or scheduled for a day surgery. Please obtain a letter of guarantee (LOG) by calling AIA’s 24 hours hotline at 6248 8343 or email sg.nus@aia.com. For a request received after office hours, AIA will only send the letter to the hospital the next working day.The LOG does not constitute a claim decision i.e. the issuance of the LOG is merely a credit facility that allows the insured to obtain a waiver of deposit from the hospital. Claims will still be subject to assessment by the insurer according to the insurance policy contract terms and conditions after all relevant documents have been submitted. Please note that the LOG is valid ONLY if the Medisave authorisation form is signed.

Reimbursement Procedures

If the LOG was obtained, attach the supporting documents to a copy of the LOG There is no need to complete the inpatient claim form.

If no LOG was obtained, an inpatient claim will have to be submitted by completing the inpatient claim form. Thereafter, attach the supporting documents (e.g. original hospital invoices, discharge summary/report, etc.) to the claim form.Please submit the document to Human Resources at Elm College, Mezzanine Level.

Medical Insurance for Dependants

Dependant Enrollment

Dependants can be enrolled under the plan that is the same or lower than the faculty’s eligible plan. Annual premium for dependants’ coverage will be co-paid through HealthChoice and salary deduction, if the premiums exceed available HealthChoice points.

Plan Staff Member’s Share of Annual Premium per Dependant’s Coverage
(after >50% subsidy from NUS)
A+ $400
A $310
B1 $235
B2 $180

Eligible dependant(s) refer to Spouse and Child(ren) residing in Singapore or overseas as follows:

(a) Legal Spouse of faculty whose age is 69 years and below (last birthday as at start of the plan year), whom employee  is still legally married to and is not divorced or legally separated from. This includes common law or live-in partner who has been declared to and accepted by Yale-NUS.

(b) Child(ren) age between 15 days (or upon discharge from hospital, whichever is later) and 25 years (last birthday as at start of plan year), unmarried and unemployed, including legally adopted child(ren), step-child(ren), child(ren) of single parent and child(ren) of common-law spouse.

For new faculty, you will received an email from Mercer on the 1st or 16th of the month you commence duty. Kindly follow the instructions on the email to enroll your dependants. Coverage will take effect on the date of arrival in Singapore.

For existing faculty who would like to enroll their new dependants, the coverage will be effective on the date of marriage for spouse and after the 15th day of birth for a newborn.

For existing faculty who would like to enroll their existing dependants, please note that the enrollment exercise will take place in May/June of the year. Coverage is effective on 1st July of the year.

For dependants aged above 69, cover is subject to underwriting and will only commence after the insurer has accepted him / her on the plan and backdated in accordance with the above paragraph, notwithstanding successful enrolment in the system.

Dependants aged 69 or below Window Period for Enrolment Effective Date of cover
New staff’s dependants who are Singapore citizens/ Singapore permanent Residents 1st of the month or 16th to the end of the month, depending on when data is transmitted to NGA Date staff joined NUS service
New staff’s dependants who are holders of Singapore dependant passes Date staff joined service (if already in Singapore at time staff joins service); Date of arrival in Singapore (if not in Singapore at time staff joins service)
New dependants of existing staff Date of marriage (new spouse)/ 15thafter date of birth/ upon discharge from hospital (whichever is later)(newborns)
Existing Dependants of existing staff Annual enrollment exercise in May of the year 1st July of the year

For details on how to enrol, please contact your respective HR business partner .

Supporting Documents

Faculty should submit supporting documents to College HR (even if they do not wish to enrol their dependants under the medical insurance plan so that they could submit other reimbursable claims for their dependants under HealthChoice).

Supporting Documents Required Timeline for Submission
New Hires Existing Staff
Spouse Marriage Certificate, NRIC/ Passport 60 days of hire 60 days of marriage
Children Birth Certificate 60 days of hire 90 days from childbirth
Common law Spouse/ Live-in Partner Per MOM guideline: http://www.mom.gov.sg/passes-and-permits/long-term-visit-pass/documents-required

Medical Insurance Exclusions

List of medical conditions and non-claimable medical procedures/items

  • Investigation and treatment of psychological, emotional and mental and behavioural conditions; alcoholism or drug addiction, counseling sessions.
  • Congenital conditions (including investigation, treatment or surgical operation)
  • Treatments by podiatrist, chiropractors and traditional Chinese medicine practitioners
  • Special nursing care and preventive check-up
  • Drugs purchased without doctor’s prescription
  • Specialist consultation, x-ray or laboratory test not recommended by a Registered Medical Practitioner for the diagnosis of Sickness or Injury
  • Birth control and Reproductive assistance (including treatment and medication)
  • Expenses incurred for skincare, eye lubricants, hair loss treatments, health food supplements, vitamins and minerals, all forms of aesthetic procedures
  • Any surcharge incurred due to visits outside the normal operating hours of the clinic and house call

Please click on Annex C for more details on general exclusions.

If you have a medical condition or a potential medical procedure/ item that is excluded, you may want to consider approaching any of the following insurance companies for coverage:

Insurance CompanyMental HealthOpticalDentalCancerMaternityPre-existing
Cigna
152 Beach Road #26-05 The Gateway East
Singapore 189721
Tel: +65 6391 9787
Email: globalindividual.asia@cigna.com
xxx
Aetna Insurance (Singapore) Pte. Ltd
112 Robinson Road #09-01 Robinson 112 Tel: 1800-110-1951 Email: asiapacservices@aetna.com
xxx
GlobalHealth Asia Pte Limited
60 Paya Lebar Road #06-45 Paya Lebar SquareSingapore 409051 Tel: +65 6557 0896
xxxx
Bupa Global
RHI-Bupa, 39 Robinson Road, #07-02 Robinson Point, Singapore, 358843
Tel: +65 6340 1669
xxxxx
AXA
8 Shenton Way #24-01 AXA Tower
Singapore 068811
Tel:  1800 880 4888
xxxx

Non-Medical Insurance

Group Term Life

 GTL Picture

Group Personal Accident

 GPA Picture

Group Personal Accident Travel

 GPAT Picture
Please click on Annex D for detailed benefits coverage.

Overseas Medical Scheme

OMBS Picture

Workmen Compensation

HealthChoice

Overview

The HealthChoice plan, an integral part of the medical insurance plan, is only extended to full time faculty.

HealthChoice Picture

Allocation of Healthchoice points per year

Each eligible faculty member will be allocated 330 HealthChoice points (1 HealthChoice point= S$1) on a plan year basis.Faculty whose outpatient medical claims do not exceed $350 in the current plan year will receive an additional $120 top-up in their HealthChoice account in the subsequent Plan Year. *excludes co-payment for medical expenses and dependant(s) medical claims.

Faculty can carry forward any unused HealthChoice points to the next plan year. The carried forward points, if unutilised, will be forfeited by the following year.

Claimable Items

HealthChoice points will first be deducted to pay for the faculty’s share of the annual premium under the College’s medical insurance plan if dependants are enrolled into the Plan. With the faculty’s consent, any shortfall in the co-payment of dependants’ annual premium will be deducted from payroll the following month after enrolment.

Thereafter, any balance HealthChoice points remaining may be used to claim for the following health-related items:

Balance Used For Staff and dependants
Health screening
Dental care
Optical expenses
Exclusion items under the Medical Benefits scheme, except for alternative treatments and vitamins and supplements – for staff and dependents covered under the scheme
Traditional Chinese Medicine treatment
Premiums paid by cash for personal medical insurance plans
Staff only
Fitness programs and gym memberships
Healthcare equipment and supplements
Holidays locally and overseas (taxable benefit)

HealthChoice Claim Administration

When submitting claims, faculty should take note that:

  • Only original receipts bearing the names of the eligible claimants or dependants will be reimbursable. Visa slips, NETS transaction slips, etc. are not acceptable. Certified true copy of the official receipt is acceptable only for excluded items under the medical insurance plan i.e. if the faculty is claiming part of the bill from the insurer (co-payment / co-insurance are not claimable).
  • Only cash portion of the claim will be reimbursed. Payments made using Medisave account, vouchers (including cash or gift vouchers), Children Development Account, etc. are not acceptable.
  • Claims for holidays, hotel/chalet accommodation will be reimbursed only if there is: –
    1) proof of payment in the name of the eligible claimant, or
    2) invoice or booking form that indicates the eligible claimant as a traveler (claims for holidays) or an occupant of the room (claims for hotel or chalet accommodation)
  • Traditional Chinese Medicine (TCM) claims will only be reimbursed if the receipt is issued by a recognised TCM clinic (i.e. one where its TCM practitioners are registered under the Traditional Chinese Medicine Practitioners Act).
  • Claims for personal medical insurance plans will only be reimbursed if there is proof of payment of premiums and extract of the policy document showing plan name, coverage for medical expenses and that faculty and / or eligible dependants are the insured.
  • Co-payment or co-insurance are not claimable, unless otherwise specified.
  • Claims should be submitted in SGD. Faculty members should indicate the exchange rate on the receipt or furnish the exchange rate slip. Otherwise, conversion will be based on rates available on https://www.oanda.com/currency/converter

Reimbursement Procedures

Faculty can submit their HealthChoice claims through the Medical & HealthChoice portal

Faculty members can refer to the Claims Workflow and Video Guides in the Medical and HealthChoice Portal for details instructions and supporting documents required. For paperless claims submitted, Faculty members have to retain original receipts for a year for verification purposes.

Enquires

Faculty can call NGA Benefits, our outsource administrator for HealthChoice, at hotline 1800-1206679 and then press “2”, between 9am to 6pm from Monday to Friday, excluding Public Holidays. Alternatively, faculty may also email their enquiries to nus-ngahr.sg@mailhr.info.

Common FAQs

Are pre-existing conditions covered under insurance?

Faculty and dependants (if enrolled for the first time) will be subject to the 12 month waiting period for inpatient expenses related to their pre-existing conditions (known or unknown). Pre-existing conditions requiring kidney dialysis and cancer treatment (outpatient and inpatient) are permanently excluded. Dependants whose plans are upgraded subsequently will be subject to the 12 month waiting period for inpatient expenses related to medical conditions pre-existing at the point of plan upgrade (with permanent exclusion for outpatient kidney dialysis and cancer treatment) for the upgraded portion of the benefit.

What are the medical conditions and medical procedures/items excluded?

  • Investigation and treatment of psychological, emotional and mental and behavioral conditions; alcoholism or drug addiction, counseling sessions.
  • Congenital conditions (including investigation, treatment or surgical operation)
  • Treatments by podiatrist, chiropractors and traditional Chinese medicine practitioners
  • Special nursing care and preventive check-up
  • Drugs purchased without doctor’s prescription
  • Specialist consultation, x-ray or laboratory test not recommended by a Registered Medical Practitioner for the diagnosis of Sickness or Injury
  • Birth control and Reproductive assistance (including treatment and medication)
  • Expenses incurred for skincare, eye lubricants, hair loss treatments, health food supplements, vitamins and minerals, all forms of aesthetic procedures
  • Any surcharge incurred due to visits outside the normal operating hours of the clinic and house call

Please click on Annex C for more details on general exclusions.

Are congenital conditions covered under insurance?

No, congenital conditions are not covered under insurance.

Am I able to utilise my healthchoice points when I’m on No-Pay Leave(NPL)?

Faculty on NPL will not be eligible to claim HealthChoice expenses incurred during the period of NPL. In cases where faculty is on NPL for the entire plan year, he or she will not be able to submit HealthChoice claims for expenses incurred during the plan year.

Am I (and my dependants) covered under medical insurance when I’m on no-pay leave?

You (and enrolled dependants) will continue to be covered under the medical insurance plan for the first 6 months of your no-pay leave, after which coverage will cease and any unused HealthChoice points will be forfeited.

What are the types of insurance coverage I will receive when I’m on leave?

Type of Leave
Group Term Life (GTL)
Group Personal Accident Insurance (GPA)
Group Personal Accident Travel Insurance (GPAT)*
Work Injury Compensation Insurance (WIC)
Medical Insurance/
Hospital and Surgical Plan
Academic Leave
X
X
X
X
X
Administrative Leave
X
X
X
X
X
Sabbatical/ Study Leave
X
X
X
X
Vacation Leave
X
X
X
No-Pay Leave
X
X
X (medical only covers for first 6 months)

Useful Contacts

Hospitalisation/ Inpatient (including day surgery)

Request for letter of guarantee (LOG) by calling AIA’s 24 hours hotline at 6248 8343 or email sg.nus@aia.com
(For requests received after office hours, AIA will only send the letter to the hospital on the next working day.)

Medical Insurance Plan

Enquiries on claims and coverage, call 1800 120 6679 press “1” for AIA, then press “1” for outpatient

HealthChoice Programme

Call 1800 120 6679 press “2” or email to nus-ngahr.sg@mailhr.info

Yale-NUS HR

Humanities
Joyce LEE
6601 2397
Joyce.lee@yale-nus.edu.sg
Science
Elena LIM
6601 3176
elena.lim@yale-nus.edu.sg
Social Sciences
Huong TAM
6601 2245
huong.tam@yale-nus.edu.sg