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 service 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  panel private GP and specialist clinic.

Claims Procedures

Faculty can submit their claims through the Medical and HealthChoice Portal via eServices at NUS Portal or http://healthchoice.nus.edu.sg

Please refer to the Claims Workflow and Video Guides in the Medical and HealthChoice Portal for instructions.

You are required to keep the original receipts for at least 6 months from expense incurred date for verification purposes.

 

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.

Prior to your hospitalisation, you can request a Letter of Guarantee (LOG) from the insurer by calling Mercer: 6555 1234 (client pin code 8787) > Press 2 to connect to AIA. AIA can advise the local hospitals that have LOG facility arrangement with them.

For requests received after office hours, AIA will only send the letter to the hospital on the next working day. Please have the following information ready to facilitate the issue of the LOG:

a) Name of Patient

b) NRIC/ Fin No. of Patient

c) Name of Hospital

d) Admission Date

e) Medical Condition

f) Hospital Fax Number

The LOG does not constitute a claim decision i.e. the issuance of the LOG is merely a credit facility of up to S$10,000 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

For hospitalisation and surgical bill that are $5,000 or less, faculty can submit their claims through the Medical and HealthChoice Portal via eServices at NUS Portal or http://healthchoice.nus.edu.sg

For hospitalisation and surgical bill that exceed $5,000, original claim documents need to be send by post. Please click to download the Business Reply Envelope.

Please refer to the Claims Workflow and Video Guides in the Medical and HealthChoice Portal for instructions.

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:

Claims Item Description Faculty Members Dependant
Dental Care Non-Taxable Non-Taxable
Health Screening Non-Taxable Non-Taxable
Traditional Chinese Medicine (Registered under Singapore TCM Practitioners Act) Non-Taxable Non-Taxable
Co-payment – Specialist Referred by Polyclinic
(capped at $10)
Non-Taxable Non-Taxable
Exclusion items under Group Medical Outpatient
(exclude alternative treatment)
Non-Taxable Non-Taxable
Optical Expenses Taxable Taxable
Premiums for Medical Insurance Taxable Taxable
Vacation Expenses Taxable N.A.
Sports and Fitness Expenses Taxable N.A.
Healthcare Equipment, Vitamins and Supplements Taxable N.A.

HealthChoice Claim Administration

When submitting claims, faculty should take note that:

  • Dependant(s) have to be registered with the College’s Human Resources but do not need to be enrolled on the medical insurance plan.
  • 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

I am a new hire, when can I view my medical & HealthChoice benefits?

Please look out for the welcome email from Mercer (nus-enquiry@mercer.com), which will be sent to you about 2 weeks after you commence work. You can then login to check your personal details and coverage.
Eligible staff are covered under the Medical Insurance Plan upon hire. If you are age 70 or above at the start of plan year, you are required to provide health information to the Insurer for underwriting purposes. You will receive a separate email from Mercer. Acceptance of cover is subject to satisfactory underwriting by the Insurer.
You can access the Medical & HealthChoice Portal via eServices at myNUS Staff Portal or via http://healthchoice.nus.edu.sg.
You can use web browsers such as Chrome, Firefox, Safari and Internet Explorer.

I would like to enrol my dependant(s) on the Medical Insurance Plan, what should I do?

You must update your dependant’s record with your respective HR business partners.

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

a) Annual Enrolment
Enrolment is opened once a year for existing staff. You can opt to enrol/de-enrol or make changes to your dependant’s medical plan during this annual exercise. You will receive an invitation email from Mercer (nus-enquiry@mercer.com) before the start of a new plan year, typically in the month of May. Access the Medical & HealthChoice portal to complete the enrolment/selection within the window period stated on the portal.
If you wish to keep the same coverage for your dependant(s), no action is required.
b) New Staff / New Dependant(s)
Enrolment is also open for new staff and new dependant(s), subject to the following timeline:
 New Hire: within 60 days of hire
 Marriage: within 60 days from marriage registered date
 New Born: within 90 days from child’s date of birth
You will receive an invitation email from Mercer (nus-enquiry@mercer.com) about 3 weeks after you register your dependant(s) with HR. Access the Medical & HealthChoice portal to complete the enrolment/selection within the window period stated on the portal.
IMPORTANT NOTE on enrolment and de-enrolment:
You may enrol your dependant(s) on the same or a lower medical insurance plan as yours, however, all covered dependant(s) must be placed on the same plan. If you wish to cover your dependant(s) who are residing overseas, enrolment should still be done during the same window period stated above.
After the enrolment period, enrolment or changes to dependant’s medical coverage can only be done in the next plan year. If you de-enrol your dependant(s) and decide to re-enrol them in subsequent years, they will
be subjected to the 12 months’ waiting period for pre-existing illnesses under inpatient expenses, with permanent exclusion for Outpatient Kidney Dialysis/ Cancer Treatment benefit.
Medical coverage for staff and dependant who reach age 70 at the start of plan year will be subjected to underwriting. Depending on results of the underwriting, the insurer may:
a) Accept staff and / or dependant on standard terms;
b) Accept staff and / or dependant with exclusion or benefit limitation/restriction; or capping
for specified conditions; or
c) Decline cover for staff and / or dependant. If staff’s cover is declined, dependant cover
will automatically cease.

What is the definition of dependants and the eligibility?

Eligible dependant(s) refer to Spouse and Child(ren) residing in Singapore or overseas as follows:
(a) Legal Spouse of employee whose age is 69 years and below (last birthday as at start of 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 College.
(b) Child(ren) aged 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.

What happen if my dependant(s) exceed the age limit?

(a) New dependant(s) who exceed the age limit will not be eligible to enrol.
(b) For enrolled dependant(s) who exceed the age limit:
i. Spouse: You are required to provide health information to the Insurer for underwriting purposes on an annual basis. Acceptance of cover is subject to satisfactory underwriting by the Insurer.
ii. Child(ren): Coverage will cease automatically upon policy renewal.

My dependants are currently overseas. Can I enrol them onto the plan now?

Yes. Your dependants can be residing in Singapore or overseas at the point of enrolment. You will not be able to enrol dependents once the enrolment period has ended.

Why can’t I enrol / de-enrol/ change my dependants’ medical covers after the enrolment period?

The insurer will not accept any changes in medical covers of existing dependant(s) outside of the annual enrolment period due to adverse selection (i.e. where the individual chooses to be insured only when they want to make claims). You will have to enrol / de-enrol / make changes to your existing dependant(s) medical coverage in the next annual enrolment exercise.

What are the premiums for covering my dependant(s) on the Plan?

Your annual premium co-payments are indicated in the table, premiums will be pro-rated for new dependants who are enrolled in the mid of a plan year.
Premiums will be deducted from your HealthChoice points, any shortfall will be deducted from your salary. The premiums co-payment are non-refundable.

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

Where can I find the panel clinics listing?

You can find the Clinics listing here. You can also access the “Panel Clinics Locator & Medical eCard” via http://healthchoice.nus.edu.sg. Prior to visiting the doctor, you may want to contact the clinic to ensure that it is still on the panel.

I have not received the medical card, can I still visit the panel clinics?

If your medical card is not ready, please make full payment upfront and seek reimbursement via the Medical & HealthChoice portal.
AIA will take up to 6 weeks to issue physical medical card(s) and up to 3 weeks to activate eCard(s), after you commence work / upon dependant’s enrolment.
You can access the eCard(s) via http://healthchoice.nus.edu.sg under “Panel Clinics Locator & Medical eCard”. Note that there is a date stamp on the eCard for verification purposes.

Do I need to provide a new referral from the panel GP each time I visit the specialist?

The referral letter is valid for a period of 1 year from the date of your last consultation by the same specialist. If further treatment is required after the 1 year period, you are required to provide a new referral.

How do I request an LOG?

Prior to your hospitalisation, you can request a Letter of Guarantee (LOG) from the insurer by calling AIA: 6248 8343 or Mercer: 6555 1234 (client pin code 8787) > Press 2 to connect to AIA.
AIA can advise the local hospitals that have LOG facility arrangement with them.
For requests received after office hours, AIA will only send the letter to the hospital on the next working day. Please have the following information ready to facilitate the issue of the LOG:
a) Name of Patient
b) NRIC/FIN No. of Patient
c) Name of Hospital
d) Admission Date
e) Medical Condition
f) Hospital Fax Number

What is the purpose of LOG and its relevant terms and conditions?

The LOG does not constitute a claim decision i.e. the issuance of the LOG is merely a credit facility of up to S$10,000/- that allows the insured to obtain a waiver of deposit from the hospital. Staff has to sign the Medisave withdrawal authorization form for the LOG to be valid. Claims will still be subjected to assessment by the insurer according to the insurance policy contract terms and conditions upon receipt of full claim documents. It is your responsibility to settle any amount not payable with the hospital directly.

What are the HealthChoice claimable items?

Claims Item Description Faculty Members Dependant
Dental Care Non-Taxable Non-Taxable
Health Screening Non-Taxable Non-Taxable
Traditional Chinese Medicine (Registered under Singapore TCM Practitioners Act) Non-Taxable Non-Taxable
Co-payment – Specialist Referred by Polyclinic
(capped at $10)
Non-Taxable Non-Taxable
Exclusion items under Group Medical Outpatient
(exclude alternative treatment)
Non-Taxable Non-Taxable
Optical Expenses Taxable Taxable
Premiums for Medical Insurance Taxable Taxable
Vacation Expenses Taxable N.A.
Sports and Fitness Expenses Taxable N.A.
Healthcare Equipment, Vitamins and Supplements Taxable N.A.

Why are other alternative medicine and homeopathy not claimable?

TCM medical expenses are reimbursable under HealthChoice as it is currently the only form of alternative medical treatment governed by a statute.
A recognised TCM clinic is one where its TCM practitioners are registered under the Traditional
Chinese Medicine Practitioners Act. For the list of registered TCM practitioners, please refer to
http://www.tcmpb.gov.sg/tcm/

Since TCM treatment is reimbursable under HealthChoice, are MCs issued by TCM clinics accepted for the purpose of granting medical leave?

In Singapore, the primary form of healthcare is western medicine. Hence, only medical certificates issued by western medicine practitioners registered under the Singapore Medical Registration Act are recognized for the purpose of granting medical leave.

Why can’t the un-utilised HealthChoice points be encashed after one year?

The HealthChoice program is meant to complement the Medical Insurance Plan, you can spend it on a list of items that promote personal and proactive healthcare choice. It is not an additional income therefore will not be encashed.

Why should the $10 (out of $25) co-payment for Specialist consultation only be claimable under HealthChoice if referred by polyclinics? Shouldn’t this concession be also extended for referrals made by the University Health Centre (UHC) or other private GPs?

The $10 (out of $25) co-payment for Specialist consultation referred by polyclinics is claimable under HealthChoice. In general, cost of visits to Specialist is lower if referred by polyclinics and will benefit employees who wish to minimise their healthcare costs.
For such claim the receipt / invoice should show a breakdown on “Government Subsidy” (deemed as referred by polyclinics).
In the event that there is no subsidy granted, please also submit a copy of the referral letter from the polyclinic.

I have tendered my resignation and submitted my HealthChoice claims. How would I be receiving the money?

HealthChoice claims submitted by resigned employees before their last day of work will be processed together after the cut-off date and reimbursed via their salary crediting bank account.

What if I resign before the HealthChoice brought forward or additional HealthChoice top-up points are credited?

HealthChoice brought forward will be credited in September and additional top-up will be credited in November. If you left before they are credited, the HealthChoice points will be forfeited.

What will happen to my unused HealthChoice points if I resign?

Unused HealthChoice points will be forfeited after your last day of service.

What is the procedure for submitting foreign currency receipts?

Claims should be submitted in SGD. You 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.

How do I know if my claims for outpatient treatment are near or have exceeded the $5K annual limit for outpatient?

You can access AIA portal to check how much you have claimed. You will also receive an email alert from the insurer when your outpatient expenses exceed $3,500.
However, please note that there may be some time lag for claims still being processed. The Insurer will recover from you amounts paid to you in excess of the $5K annual limit for outpatient expenses.
Please note that panel claims records will take up to 2 months before they will be updated with the Insurer. Thereafter Insurer will be able to confirm if you have exceeded the Outpatient annual limit. In the event that there is excess usage, you will receive a letter for the recovery of excess utilisation.

If an employee went to the Accident and Emergency department for treatment and was referred to a specialist for further treatment, will it be treated as a panel referral?

All specialist referrals by Accident and Emergency from government, restructured or private hospital, will be treated as a panel referral.

My GP has prescribed medication for me, can I purchase it from the pharmacy on a separate date?

Please make copies of your doctor’s prescription. The prescription should show the validity period.
Attach a copy of the prescription to the receipt from the pharmacy when you submit the claim.
Co-payment will not apply for such medication expenses.

My doctor has ordered some basic diagnostic tests for me which are conducted on separate dates from the consultation date. How do I claim?

For basic diagnostic tests such as x-ray and blood test, you can submit your receipts together with referral letter in one claim submission. This will facilitate processing of your claims according to the benefits entitlement.

Can I claim for medical expenses incurred overseas?

You and your dependant(s) covered under the Medical Insurance plan will be reimbursed for medical expenses incurred overseas as follows:
a) Outpatient
 GP: $10 co-payment; reimburse up to $25 per visit
 Specialist and A&E: $10 co-payment; reimburse up to $100 per visit
b) Inpatient amount payable will be subjected to the following:
 The Insurer Surgical Schedule of Fees (in accordance to MOH Table of Surgical
Procedures);
 Pro-ration Factor according to your medical plan eligibility; and
 10% Co-Payment
You can refer to the Medical Plan Product Summary for details of coverage.

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.

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)

How do I make claims for HealthChoice and Medical Expenses?

You can submit claims through the Medical and HealthChoice Portal via eServices at NUS Staff Portal or http://healthchoice.nus.edu.sg.
It will take up to 3 weeks, after you commence work or upon dependant’s enrolment, for account to be fully set up with the insurer.
You can use web browsers such as Chrome, Firefox, Safari and Internet Explorer.
Note: The plan year is from 1 July of the current year to 30 June of the following year. You 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, you have to retain original receipts for verification purposes.

When will I receive payment?

HealthChoice claims submitted by 15th of the current month will be reimbursed via payroll in the following month.
Medical Outpatient, Hospitalization & Surgical claims will take up to 4 weeks to process upon receipt of complete documents. Approved claims will be paid by the insurer via GIRO / cheque.

What is the claims deadline?

The claims deadline is generally mid-July of each year, for expenses dated up till 30-June of the current year. Late submission will not be processed.

Useful Contacts

Hospitalisation/ Inpatient (including day surgery)

Prior to your hospitalisation, you can request a Letter of Guarantee (LOG) from the insurer by calling AIA: 6248 8343 or Mercer: 6555 1234 (client pin code 8787) > Press 2 to connect to AIA. AIA can advise the local hospitals that have LOG facility arrangement with them.
For requests received after office hours, AIA will only send the letter to the hospital on the next working day. Please have the following information ready to facilitate the issue of the LOG:
a) Name of Patient
b) NRIC/FIN No. of Patient
c) Name of Hospital
d) Admission Date
e) Medical Condition
f) Hospital Fax Number

Medical Insurance Plan/ HealthChoice Programme

Contact Mercer Marsh Benefits, NUS benefits administrator at 6555 1234 (Client ID: 8787) or email nus-enquiry@mercer.com

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