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.
|Clinic type||Co-payment by insured per visit||Cap on amount payable by insurer per visit||Use of medical card|
|Panel private GP||$10||No||Yes|
|Panel private Specialist
(with referral from panel GP or polyclinic)
|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.
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.
|GROUP HOSPITAL & SURGICAL (Maximum Per Policy Year per Insured Person)|
|Plan A+||Plan A||Plan B1||Plan B2|
|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|
|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.
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 firstname.lastname@example.org. 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.
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.
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)
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 .
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|
Please click on Annex C for more details on general exclusions.
|Insurance Company||Mental Health||Optical||Dental||Cancer||Maternity||Pre-existing|
152 Beach Road #26-05 The Gateway East
Tel: +65 6391 9787
|Aetna Insurance (Singapore) Pte. Ltd|
112 Robinson Road #09-01 Robinson 112 Tel: 1800-110-1951 Email: email@example.com
|GlobalHealth Asia Pte Limited|
60 Paya Lebar Road #06-45 Paya Lebar SquareSingapore 409051 Tel: +65 6557 0896
RHI-Bupa, 39 Robinson Road, #07-02 Robinson Point, Singapore, 358843
Tel: +65 6340 1669
8 Shenton Way #24-01 AXA Tower
Tel: 1800 880 4888
The HealthChoice plan, an integral part of the medical insurance plan, is only extended to full time faculty.
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.
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|
|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|
|Fitness programs and gym memberships|
|Healthcare equipment and supplements|
|Holidays locally and overseas (taxable benefit)|
When submitting claims, faculty should take note that:
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.
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.
Please click on Annex C for more details on general exclusions.
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.
|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
|Sabbatical/ Study Leave|
X (medical only covers for first 6 months)