The Group Medical & Personal Accident Insurance Policy for Full-time NUS Graduate/Non-Graduating Students

Transcription

1 The Group Medical & Personal Accident Insurance Policy for Full-time NUS Graduate/Non-Graduating Students All full-time foreign graduate and non-graduating students are required to take up a health insurance scheme that covers hospitalisation/surgical expenses. They must either subscribe to the University s group Medical & Personal Accident (MPA) insurance policy or show proof of an alternative medical/insurance policy at the time of registration and the yearly re-registration by submitting a copy of the medical/insurance policy certificate or document. NUS Group Medical & Personal Accident (MPA) Insurance Policy under NTUC Income Insurance Co-operative Ltd 1. Eligibility All full-time graduate students and non-graduating students (including students on trial projects) are eligible to take up the scheme. It is, however, compulsory for foreign students who are Mobil-NUS Graduate Medical / NUS-Gintic / NUS research scholarship holders, unless they have already taken up similar insurance scheme themselves. Students whose candidature is subsequently converted to part-time will not be covered under this scheme. 2. Insurance Premium (for period between 1 July 2001 and 30 June 2002) $83.33 per year or $41.67 per semester (inclusive of 3% GST). 3. Benefits & Coverage Please see attachments for details. 4. Application & Payment (a) Non-Research Scholars (including Coursework & Non-graduating Students) Please complete the attached Official Receipt form and make payment at the Students Section, Office of Finance (Level 1, University Hall, Blk E3A) at these times: 8.30 am to 4.00 pm (on weekdays) and 8.30 am to noon (on Saturdays). Payment by cash must be made in person. Payment by cheque should be crossed and made payable to National University of Singapore. Please write your name, registration number and telephone number on the reverse of the cheque. (b) NUS Research Scholarship Holders (i) Foreign scholars are not required to complete the Official Receipt form. The premium will be automatically deducted from the research scholarship stipend as follows:- Commencement Date of Scholarship Between 1 st and 15 th of the month Between 16 th and 31 st of the month Coverage of the MPA Scheme 1 st of the same month to end of semester 1 st of the following month to end of semester Page 1 of 11

2 (ii) Local scholars (Singaporeans/SPRs), who wish to subscribe to the MPA Insurance Scheme, must complete the Official Receipt form and make payment at the Students Section, Office of Finance (Level 1, University Hall, Blk E3A,) during these times: 8.30 am to 4.00 pm (on weekdays) and 8.30 am to noon (on Saturdays). Page 2 of 11

3 5. Refund Please note that there will be no refund for premiums paid. 6. Procedures for Claims a) Obtain Claim Form from Registrar s Office. b) Prior to admission into the hospital, please get a Letter of Guarantee* from the Registrar s Office & present it upon registration. This is a letter to request the hospital to waive the required deposit. c) NTUC Income will settle payment with hospital if the total bill is below the sum insured. Student will have to pay the excess amount or any amount that is not covered under the policy, if any. d) Submit the following to NTUC Income for processing of claim. Do remember to make a copy of all the documents you have submitted to the insurance company: (i) the completed Claim Form; and (ii) the original copy of all hospital bill(s) & official receipt(s). *Note: You may ask a friend to get the Letter of Guarantee & the Claim Form on your behalf if you are unable to do so yourself. 7. Hospitalisation Overseas (Payment will be on reimbursement basis) Obtain Claim Form from Registrar s Office Student to settle full payment with hospital & get official receipt. Submit to NTUC Income the completed Claim Form, a medical report (preferably in the English Language) & original copy of all hospital bill(s) & official receipt(s) for reimbursement. 8. Useful Information 24-hour emergency telephone number: NTUC Income address: 75 Bras Basah Road NTUC Income Centre Singapore Fax : (65) Page 3 of 11

4 THE NATIONAL UNIVERSITY OF SINGAPORE Annex A GROUP HOSPITAL & SURGICAL INSURANCE POLICY FACT SHEET (NTUC) Coverage Period: 1 July June 2002 Policy Coverage 24 hours worldwide cover In Singapore, admission into Government Restructured Hospitals in B1 Class Ward (or its equivalent for overseas hospitals) Full-time students of all nationalities & ages who has subscribed to the scheme Benefits Maximum benefit of S$15,000/- in the aggregate per disability per policy year Subject to Schedule of Benefits below: Descriptions Amount* i) Ambulance Fee As charged ii) Emergency Outpatient Treatment due to Accident (treatment must be within 24 As charged hours following the accident) iii) Pre-hospitalisation Specialist Consultation, Diagnostic X-ray & Lab Fee, of up to 90 As charged days prior to date of admission into hospital iv) Post-hospitalisation Treatment of up to 90 days from date of discharge from hospital As charged v) Medical Report As charged vi) Room & Board, and Miscellaneous Charges including cost of Intensive Care Unit As charged vii) In-patient Visits by Physicians As charged viii) Surgical, Anaesthetics, Theatre Fees & all Hospitalization Cost As charged * Excludes Goods & Services Tax (GST) of 3%. Clarification of Provisions / Special Provisions 1. Daily Room and Board Benefit The daily benefit payable for Intensive Care shall not exceed 20 days per Any One Disability. 2. Other Hospital Services Benefit If benefits are payable under Item 1 of this Section, the Insurer shall also pay the amount actually charged by the hospital for any of the following services rendered during such hospital confinement which are customarily supplied by the hospital: a) Use of Operating Room; b) Drugs and Medicines consumed on premises; c) Dressings, Ordinary Splints and Plaster Casts; d) Laboratory Examinations; Page 4 of 11

5 e) Electrocardiograms; f) Basal Metabolism Tests; g) Physical Therapy; h) Anaesthesia and Oxygen and their administration: i) X-ray Examinations; j) Intravenous Infusions; k) Administration of Blood or Blood Plasma, but not the cost of Blood or Blood Plasma. Page 5 of 11

6 3. Emergency Outpatient Treatment (Accidental) Emergency treatment could be treated in the outpatient department of a hospital/clinic, within 24 hours following an accident. The coverage includes the eligible expenses for follow-up treatment up to 31 days from the date of the accident. 4. Any One Disability Any One Disability shall mean all disabilities arising from the same cause including any and all complications, except that after 90 days following the latest discharge from hospital subsequent disability from the same cause shall be considered as a new disability. Exclusions and Limitations The scheme does not cover the following: a) Out-patient medical treatment except that due to accident. b) Special nursing care, general dental care and treatment/hospitalization, except as necessitated by accidental injuries to sound natural teeth. c) Routine physical examinations, health check-ups or tests not incident to treatment or diagnosis of an actual sickness or injury or any treatment which is not medically necessary. d) Injuries due to insanity or self-infliction or conditions related to functional disorders of the mind, rest care or sanitaria care; drug addiction or alcoholism; communicable diseases requiring by law isolation or quarantine. e) Injuries arising directly or indirectly from war, declared or undeclared f) Congenital Anomalies (i.e. medical defects present in a person at birth, which may or may not have been detected at the present time. E.g. organ or heart valve defects, hole-in-heart, sight/speech/hearing defects. g) Treatment of an optional nature, e.g. plastic surgery or cosmetic surgery for purposes of beautification. h) Non-medical personal services such as radio, telephone and the like. i) Procurement or use of special braces, appliances, equipment or other prosthetic devices. j) Pregnancy, confinement, abortion, child birth, miscarriage or any complications arising from pregnancy. k) Conditions arising from surgical, mechanical or chemical contraceptive methods of birth control or treatments pertaining to infertility. l) Diagnostic X-ray and Laboratory Examinations that does not result hospitalisation or surgery. m) The benefits payable under this Policy shall be limited to the balance of expenses not covered by the benefits payable under the Workmen s Compensation Act or by any other insurance indemnity covering the Member. n) Acquired Immunodeficiency Syndrome (AIDS), AIDS related complex or infection by Human Immunodeficiency Virus (HIV) or any type of sexually transmitted disease. o) Injuries arising from Illegal activities. Policy Termination a) Insured leaving the Institution (NUS) or full-time course of study. b) Insured non-payment of premium. c) Expiry of insurance policy. Undertaking All insured student to sign a Letter of Undertaking to indemnify NTUC Income Insurance Co-operative Ltd against the following: Page 6 of 11

7 - Total hospitalisation treatment cost in excess of S$15,000/- per disability during the policy year - Treatment costs excluded under the Policy as stipulated in the Exclusion Clause Participating Hospitals Restructured hospitals in Singapore: a) Alexandra Hospital b) Changi General Hospital c) National University Hospital d) Singapore General Hospital e) Tan Tock Seng Hospital f) KK Women s and Children s Hospital Page 7 of 11

8 Annex B THE NATIONAL UNIVERSITY OF SINGAPORE GROUP PERSONAL ACCIDENT POLICY FACT SHEET (NTUC) Coverage Period: 1 July June 2002 Policy Coverage 24 hours worldwide cover Medical expenses incurred arising from an accident (accident & emergency treatment must be within 24 hours of date of accident) Accidental injury resulting in permanent disablement and/or accidental death Full-time students of all nationalities & ages who has subscribed to the scheme Benefits Maximum principal sum insured of S$30,000/- Maximum medical reimbursement of S$2,000/- per accident Subject to Schedule of Benefits below: Schedule of Benefits Descriptions Medical treatment for injury resulting from accident Death arising from accidents Permanent Disablement arising from Accidents Amount Up to S$2,000/- S$30,000/- Please refer to Special Provisions Special Provisions Schedule of Losses Percentage of the Sum Assured 1. Loss of Life 100% 2. Loss of two or more limbs 100% 3. Loss of one or two or more limbs by amputation at or above wrists or ankles 100% 4. Total and irrecoverable loss of all sight in one or two eyes 100% 5. Total paralysis 100% 6. Injuries resulting in being permanently bedridden 100% 7. Permanent, total and continuous disability preventing the insured from engaging 100% any occupation or employment for wage or profit or from giving attention to any business whatsoever 8. Eye - Loss of sight of one eye, except perception of light 50% - Loss of lens of one eye 50% 9. Loss of four fingers and thumb of one hand 50% 10. Loss of four fingers 40% Page 8 of 11

9 11. Loss of hearing - both ears 75% - one ear 15% Page 9 of 11

10 12. Loss of thumb - both phalanges 25% - one phalanx 10% 13. Loss of index finger - three phalanges 10% - two phalanges 8% - one phalanx 4% 14. Loss of middle finger - three phalanges 6% - two phalanges 4% - one phalanx 2% 15. Loss of ring finger - three phalanges 5% - two phalanges 4% - one phalanx 2% 16. Loss of little finger - three phalanges 4% - two phalanges 3% - one phalanx 2% 17. Loss of metacarpals - first or second (additional) 3% - third, fourth or fifth (additional) 2% 18. Loss of toes - all 15% - great, both phalanges 5% - great, one phalanx 2% - other than great, if more than one toe lost, each 1% The aggregate of all percentages payable in respect of any one accident shall not exceed 100% of the Sum Assured Exclusions The scheme does not cover* losses or medical expenses related to the following: a) The Insured having taken intoxicants or drugs or hallucinogens of any kind other than in accordance with the directions of and as prescribed by a qualified Medical Practitioner. b) The Insured engaging in or practicing for or taking part in training peculiar to any of the following activities: i) any sport as a professional ii) participation of any kind of speed contest iii) any form of armed or unarmed combat or martial art iv) any mountaineering or rock or cliff climbing or pot-holing v) any sub-aquatic activity necessitating the use of breathing apparatus vi) aviation or any air travel except either as a fare paying passenger on a recognized airline operation on regular scheduled air routs, or as a passenger on any chartered aircraft operated by a duly licensed air carrier and flown by professional crew vii) viii) any other aerial activity including parachuting, gliding and hang-gliding. Steepechasing, hunting, diving, winter sports, water-skiing, skating, rugby or association football, ice-hockey, or polo. c) The Insured committing an assault or felony, or participating in a riot. d) Pregnancy or Childbirth or the Insured suffering from insanity, venereal disease, pre-existing physical or mental defect or infirmity or committing or attempting to commit suicide or Acquired Immunity Deficiency Syndrome (AIDS) and AIDS related conditions. Page 10 of 11

11 e) The Insured suffering from sickness or disease not resulting from bodily injury or suffering from bodily injury due to a gradually operating cause. f) Wilful exposure to needless peril except in an attempt to save human life. g) War invasion act of foreign enemy hostilities (whether war be declared or not), civil war rebellion revolution insurrection or military or usurped power. h) Ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component. i) Anthrax, blood poisoning, erysipelas, food poisoning, pyaema, septicaemis, and/or tetanus. j) Any loss or disability caused directly or indirectly, wholly or partly by suicide or self-inflicted injuries, while sane or insane; insurrection. * However, please note that our Group Personal Accident Policy will cover all accidents resulting from University-organised activities. Policy Termination a) Insured leaving the Institution (NUS) or full-time course of study. b) Insured non-payment of premium. c) Depletion of maximum sum insured. d) Expiry of insurance policy. Procedures for Admission & Claims - Similar to the procedures under the Group Hospital & Surgical Insurance Policy. Page 11 of 11