Transcript Medical Insurance Benefits

Corporate Employee Benefits:
Medical Insurance Programme
Benefits Provided by AXA Insurance Singapore
Administered by Expat Insurance Pte Ltd
Coverage Highlights
•Annual Limits of US$1M
•No Deductible or Cost Sharing Required by Employee
•Global Coverage, excluding treatment in USA
•Fully Covered Outpatient Benefits
•Dental Benefits for all Staff
•Freedom of Choice for Care
•Full Coverage for Employee’s Pre-Existing Conditions
Summary of Core Benefits
Hospitalization & Outpatient Surgery
Room & Board, Accommodation
X-rays, Lab Tests, Medicine, etc
Pre & Post-Hospitalisation Benefits
Emergency Benefits
Medical Evacuation & Repatriation, incl Ambulance
Outpatient Benefits
Physician & Specialist Consultations, incl Medications
Physiotherapist
Chiro, Osteo, Homeopath & Accupuncture
TCM: Traditional Chinese Medicine
Vaccinations
Routine Check-Ups & Wellness Benefits
Dental Benefits
Routine Dental Care
Accidental Damage to Teeth
Oral & Maxillofacial Surgery (refer to listing)
Additional Benefits
Cancer Care: Radio & Chemotherapy
CT Scans, MRI, PET Scans, x-rays, etc.
Fully Covered
Fully Covered
Fully Covered, 90 days
Fully Covered
Fully Covered
$1,150
$60/visit, 20 visits/year
$500
Not Offered
80%, Up to $500
Fully Covered
Fully Covered
$150,000
*For full terms, conditions and benefits, please refer to the policy which is the operative document.
Dental Benefits*
Oral & Maxillofacial Surgery
• Surgical removal of impacted/un-erupted teeth and buried
teeth (tooth/teeth must be symptomatic or causing
damage to an adjacent tooth)
• Surgical removal of complicated buried roots (roots must
be diseased or causing symptoms, or flap of gum is
raised and bone is removed)
• Enucleation (removal) of cysts of the jaw
• Treatment of cancers
• Temporal Mandibular Joint (TMJ)
Claims Process
Inpatient, Hospitalisation & Surgery
Call the 24-Hour Assistance Hotline:
1800 880 8181 or +65 6880 8181 (out of Singapore)
Provide the following details:
Policy Number, Name of Patient, Date of Birth
Name of Hospital, Date of Admission, Attending Doctor/Surgeon
Claims Process
Inpatient, Hospitalisation & Surgery
Logon to: expatinsurance.com.sg/reflectgeo
Download & Complete Pre-Authorisation Form
Upon approval, AXA will arrange for
direct settlement with the Hospital/Provider.
*For ease of assistance with Payment Guarantees, consult
the International Directory of Hospitals and utilise a preferred provider
Claims Process
Outpatient Claims
Two Options:
1. Visit a Cashless Outpatient Clinic in Singapore
2. Visit a Doctor of Your Choice
Claims Process
Cashless Outpatient Claims
1. Visit a clinic on the Cashless Billing List
2. Present your medical card at time of visit
3. The clinic will bill AXA directly
Claims Process
Outpatient Reimbursement Claims
Logon to: expatinsurance.com.sg/reflectgeo
Download & Complete a Medical Claim Form
Post Claim Form & Original Invoice/Receipts to:
AXA Health Claims Team
8 Shenton Way, #27-01 AXA Tower, Singapore 068811
Claims Process
Outpatient Reimbursement Claims
AXA will credit your preferred bank account
in the currency of your choice.
*Note: All claims must be submitted within 60 days of treatment.
Timeline: Upon receipt of claim form and receipts by post, AXA
will process within three weeks time.
Coverage for your Family
Reflect Geophyscial will pay 100% of employee premiums.
Offshore Employees have the option to add their Spouse
and/or Children* to the plan at rates subsidized 50% by
Reflect Geophysical.
*Children are eligible up to Age 21
Premium for your Family
For non-USA based family members:
Premium Payable by Employee for each Family Member
USD 1,097
For USA based family members:
Premium Payable by Employee for each Family Member
USD 3,291
Adding your Family
Two deadlines for addition of your dependents:
• 16 January 2012
• 20 February 2012
1) Send a copy of each family member’s passport to:
[email protected]
2) You will receive a brief Health Declaration to be signed
3) You will receive a confirmation including terms of coverage
and medical insurance cards for each member
*For Health Declarations received by 20 February, coverage will be back-dated to
1 November 2011 and claims settled accordingly
Information Portal
Your Personal Portal can be found at:
(effective 19 December 2011)
www.expatinsurance.com.sg/reflectgeo
-Employee Benefit Handbook
-Summary of Benefits, Policy Wording & Definitions
-Claim Forms
-Procedures
-Emergency Contact Numbers
Questions?
+65 6401 9201
[email protected]
www.expatinsurance.com.sg/reflectgeo
20 Upper Circular Road
The Riverwalk, #B1-52
Singapore 058416