EZCare

Key Benefits

1

Get An Instant Quote

2

Emergency Medical Evacuation and Repatriation

3

Non-Panel Outpatient Claims Submissions via Mobile App

4

Teleconsultation

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Extended Major Medical

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Compare our plans in detail, you’ll definitely find something that suits you

Description of Benefits (Hospitalisation and Surgery)	Plan 1	Plan 2	Plan 3	Plan 4
Annual Overall Limit (Maximum amount per person per policy year)	S$300,000	Not applicable	Not applicable	Not applicable
Room & Board Eligibility (Standard)	1 Bed Private Hospital	1 Bed Restructured Hospital	2 Bed Private Hospital	4 Bed Restructured Hospital
Room & Board Charges Intensive Care Unit In Hospital Physician’s Visit Fee Day Surgery (include minor surgical procedure in a clinic) Surgeon’s Fee Theatre Fee Anaesthetist’s Fee Hospital Miscellaneous Services Local Ambulance Services Medical Report Fee (only if claim is eligible for cover)	As charged	S$25,000 per disability	S$20,000 per disability	S$15,000 per disability
Pre-Hospitalisation Consultation (Within 90 days preceding hospital admission) Pre-Hospitalisation Diagnosis Services (Within 90 days preceding hospital admission) Post-Hospitalisation Consultation and Treatment (Within 180 days following discharge from hospital)	As charged	S$2,000 per disability	S$1,500 per disability	S$1,000 per disability
Emergency Outpatient Accidental Treatment (Within 24 hours of accident)	As charged	S$2,000 per disability	S$1,500 per disability	S$1,000 per disability
Emergency Dental Treatment (Within 24 hours of accident)	As charged	S$2,000 per disability	S$1,500 per disability	S$1,000 per disability
Surgical Implants	S$5,000 per disability	S$2,000 per disability	S$1,500 per disability	S$1,000 per disability
Nursing at home	As charged (Maximum 26 consecutive weeks per policy year)	Not covered	Not covered	Not covered
Lodger Benefit (For Insured Child below age 12)	Covered (Maximum amount S$100 per day)	Not covered	Not covered	Not covered
Emergency Medical Evacuation	Covered	S$30,000 per policy year	S$20,000 per policy year	S$10,000 per policy year
Repatriation/Local Burial (Cover for death in home country is excluded)	Covered	S$5,000 per policy year	S$5,000 per policy year	S$5,000 per policy year
Special Grant	S$10,000	S$7,500	S$5,000	S$5,000
Hospital Cash Benefit (per day) of Hospital Confinement in Government/Restructured Hospital B1 Ward	S$200	S$100	S$100	Not applicable
Hospital Cash Benefit (per day) of Hospital Confinement in Government/Restructured Hospital B2/B2+ Ward	S$250	S$200	S$200	S$150
Hospital Cash Benefit (per day) of Hospital Confinement in Government/Restructured Hospital C Ward	S$300	S$300	S$300	S$200
Accidental Miscarriage	As charged	As per disability limit	As per disability limit	As per disability limit
Outpatient Kidney Treatment	S$75,000 per policy year	S$20,000 per policy year	S$15,000 per policy year	S$10,000 per policy year
Outpatient Cancer Treatment	S$75,000 per policy year	S$20,000 per policy year	S$15,000 per policy year	S$10,000 per policy year
Inpatient Psychiatric Treatment	S$2,000 per policy year	S$1,500 per policy year	S$1,000 per policy year	S$500 per policy year

General Conditions

A Letter of Guarantee will be provided if the medical procedure is pre-authorised. 20% co-insurance applies if the medical procedure is not pre-authorised (except for emergency admissions and admissions to B1 to C class wards in Restructured Hospitals).
If the Insured is admitted to a ward or Hospital higher than what he is entitled to under the policy, we will pay 60% of the eligible medical expenses subject to the maximum limit stated in the policy schedule.
Geographic Cover: Worldwide cover limited to a maximum of 60 consecutive days outside Singapore.

Emergency Treatments:
Full cover

Non-emergency Treatments:
USA, Canada and Japan: 50% co-insurance
Other countries: 30% co-insurance
Malaysia: No co-insurance

Optional Riders

Description of Optional Riders	Plan 1	Plan 2	Plan 3	Plan 4

Extended Major Medical

Extended Major Medical	Plan 1	Plan 2	Plan 3	Plan 4
Pays eligible inpatient medical expenses provided the Insured Person shall have either: - been confined in a Hospital for a period of more than 20 days; or - undergone surgical operation which the percentage of the surgical benefits payable is at least 75% as stated in the Schedule of Surgical Benefits
Annual Overall Limit (Maximum amount per person per policy year)	S$100,000	Not Applicable	Not Applicable	Not Applicable
Maximum Limit Per Disability	Not Applicable	S$45,000	S$40,000	S$35,000
Room & Board Eligibility (Standard)	1 Bed Private Hospital	1 Bed Restructured Hospital	2 Bed Private Hospital	4 Bed Restructured Hospital
Room & Board Charges Intensive Care Unit In Hospital Physician's Visit Fee Day Surgery (include minor surgical procedure in a clinic) Surgeon's Fee Theatre Fee Anaesthetist's Fee Hospital Miscellaneous Services	Payable in excess of the basic Hospitalisation and Surgery plan benefits up to the maximum limit shown above	Payable in excess of the basic Hospitalisation and Surgery plan benefits up to the maximum limit shown above	Payable in excess of the basic Hospitalisation and Surgery plan benefits up to the maximum limit shown above	Payable in excess of the basic Hospitalisation and Surgery plan benefits up to the maximum limit shown above
Surgical Implants	S$5,000 per disability	S$2,000 per disability	S$1,500 per disability	S$1,000 per disability
Co-insurance	20%	20%	20%	20%
General Information	1. The plan selected under this rider must follow the same plan type as the basic Hospitalisation and Surgery plan. 2. If the Insured is admitted to a ward or Hospital higher than what he/she is entitled to under the policy, We will pay 60% of eligible medical expenses subject to the maximum limit stated in the Policy Schedule.	1. The plan selected under this rider must follow the same plan type as the basic Hospitalisation and Surgery plan. 2. If the Insured is admitted to a ward or Hospital higher than what he/she is entitled to under the policy, We will pay 60% of eligible medical expenses subject to the maximum limit stated in the Policy Schedule.	1. The plan selected under this rider must follow the same plan type as the basic Hospitalisation and Surgery plan. 2. If the Insured is admitted to a ward or Hospital higher than what he/she is entitled to under the policy, We will pay 60% of eligible medical expenses subject to the maximum limit stated in the Policy Schedule.	1. The plan selected under this rider must follow the same plan type as the basic Hospitalisation and Surgery plan. 2. If the Insured is admitted to a ward or Hospital higher than what he/she is entitled to under the policy, We will pay 60% of eligible medical expenses subject to the maximum limit stated in the Policy Schedule.

Optional Riders

Description of Optional Riders	Plan 1	Plan 2

Outpatient General Practitioner (GP) Rider

Description of Optional Riders	Plan 1	Plan 2
Outpatient panel GP	Cashless, no co-insurance	Cashless, co-insurance of S$10
Outpatient Panel GP Teleconsultation (Including consultation and medications)	As charged	As charged
Outpatient non-panel GP	Maximum S$35 per visit	Not covered
Overseas Outpatient Treatment	Maximum S$35 per visit	Maximum S$35 per visit
Singapore Polyclinics	As charged	As charged
Panel of Traditional Chinese Medicine (TCM) – Maximum 3 visits per policy year	Maximum S$35 per visit	Not covered
A&E Department at Restructured Hospital – Maximum 2 visits per policy year	As charged	As charged
Outpatient X-Ray and Lab Test (For diagnostic purposes only) referred by panel GP or Singapore Polyclinics	As charged	As charged
Routine Medical Check-up and Vaccinations	S$50 per policy year	Not covered
Exclusions	1. Routine physical examinations and health check-ups (Except as covered under Medical Check-up and Vaccinations) 2. Pregnancy or childbirth 3. Treatment performed by a Specialist 4. Special investigations (e.g. MRI, CT scan, PET scan, Barium Test, etc)	1. Routine physical examinations and health check-ups (Except as covered under Medical Check-up and Vaccinations) 2. Pregnancy or childbirth 3. Treatment performed by a Specialist 4. Special investigations (e.g. MRI, CT scan, PET scan, Barium Test, etc)
Special Features	1. Cashless transactions at over 500 panel network GP clinics in Singapore and Malaysia and more than 25 panel network TCM clinics 2. Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal	1. Cashless transactions at over 500 panel network GP clinics in Singapore and Malaysia and more than 25 panel network TCM clinics 2. Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal
General Information	1. Pediatric visits are not covered under Outpatient GP services 2. The Overseas Outpatient cover is applicable only for the first 60 days of the Insured Person's living/travelling overseas	1. Pediatric visits are not covered under Outpatient GP services 2. The Overseas Outpatient cover is applicable only for the first 60 days of the Insured Person's living/travelling overseas

Outpatient Specialist Rider

Description of Optional Riders	Plan 1	Plan 2
Outpatient panel Specialist Consultation¹	Maximum S$2,500 per policy year	Maximum S$1,500 per policy year
Outpatient Diagnostic Services	Maximum S$1,500 per policy year	Maximum S$1,000 per policy year
Outpatient Physiotherapy	Maximum S$750 per policy year	Maximum S$500 per policy year
Exclusions	1. Routine physical examinations and health check-ups 2. Pregnancy or childbirth	1. Routine physical examinations and health check-ups 2. Pregnancy or childbirth
Special Features	1. Cashless transactions at over 150 panel network Specialist clinics 2. Insureds will get to enjoy a concierge referral service to panel network Specialist clinics 3. Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal	1. Cashless transactions at over 150 panel network Specialist clinics 2. Insureds will get to enjoy a concierge referral service to panel network Specialist clinics 3. Insureds will be able to submit their non-panel medical claims online through a mobile application and web portal
General Information	A referral letter is required for Specialist consultation and Diagnostic services A referral from the Specialist is required for Outpatient Physiotherapy There is no Outpatient Specialist cover overseas	A referral letter is required for Specialist consultation and Diagnostic services A referral from the Specialist is required for Outpatient Physiotherapy There is no Outpatient Specialist cover overseas

Outpatient Dental Rider

Description of Optional Riders	Plan 1	Plan 2
Panel Dentist Benefit	Maximum S$1,200 per policy year	Maximum S$800 per policy year
Co-payment	20%	20%
Non-panel Dentist Benefit	Not covered	Not covered
Emergency or Accident related Dental Treatment (including Crowning and Bridging) Routine Dental Visit (including Scaling, Polishing and Fluoride application) Consultation Medication X-rays Amalgam Restorations (Fillings) Extractions Oral Surgery (including LA) Root Canal Treatment Periodontal Treatment	As charged up to annual limit	As charged up to annual limit
Exclusions	1. Dental Implants 2. Procedures for cosmetic purposes 3. Dentures, retainers, braces, orthodontic treatment	1. Dental Implants 2. Procedures for cosmetic purposes 3. Dentures, retainers, braces, orthodontic treatment
Special Features	1. Cashless transaction at more than 160 panel network Dental clinics	1. Cashless transaction at more than 160 panel network Dental clinics
General Information	1. There is no Outpatient Dental cover overseas	1. There is no Outpatient Dental cover overseas

¹ Non-panel Specialist visits are covered only under Plan 1 and are subject to 20% co-insurance

Group Personal Accident - optional

Personal Accident (PA)	Plan 1	Plan 2	Plan 3	Plan 4

Personal Accident (PA)

Personal Accident (PA)	Plan 1	Plan 2	Plan 3	Plan 4
Sum Insured Cover only for Death and Permanent Disablement (Scale II)²	S$500,000	S$300,000	S$200,000	S$100,000

² As per Table of Benefits in the actual Personal Accident policy wordings

Classification of Occupations

Description
Class 1	Indoor and non-manual work
Class 2	Work of an outdoor or supervisory nature (e.g. property agent, outdoor sales)
Class 3	Manual, non-hazardous work (e.g. baker, driver)

Notes

There is a loading of 35% for extension of motor cycling
The premium payable may be revised at policy renewal at the full discretion of the Company

Major Exclusions

The PA rider does not provide compensation for death or disablement arising from:

Sickness or diseases
AIDS and diseases associated with HIV
Pre-existing physical defect or infirmity
Suicide or self-inflicted injury
War and nuclear-related events
Pregnancy, childbirth or its complications

Notes

Persons eligible to apply

Employees actively at work
Employees and spouses between 18 to 80 years of age and not more than 65 years of age at the Policy Commencement Date of the first Period of Insurance
Children from 15 days old to 18 years old (dependent children can be covered up to age 25 if he/she is enrolled in an educational institution on full-time higher education and is not in full-time national service)
Domiciled (residing) in Singapore, meaning Singapore Citizens, Singapore Permanent Residents (holders of re-entry permits), holders of Employment Passes, S Passes, Personalized Employment Passes, EntrePasses, Work Permits, Student Passes or Dependent Passes

Declined Risks

Air and ship crew, professional divers, professional sports persons; occupations involving diving, working on oil rigs, onboard vessels or offshore, firefighting, police or military personnel or occupations of a hazardous nature, i.e. involving height, depth or heat.

Major Exclusions

There are some costs which are not covered under the Policy, the following are some Major Exclusions for this Policy. You are advised to read the policy wordings for the full list of exclusions:

Treatment relating to birth defects, congenital abnormalities and hereditary conditions
Routine medical examinations (including confinement in hospital to facilitate the conduct of test) and vaccinations
Cosmetic related treatments
Pre-existing conditions are excluded for the first year of cover for each insured. The following specified pre-existing illnesses are permanently excluded:
- Heart Disease, Diabetes, Cancer and Renal Failure for employee group sizes less than 10
- Cancer and Renal Failure for employee group sizes 10 and above

Key Product Provisions

The following are some key provisions found in the actual policy wordings of this plan. This is a product summary and you are advised to refer to the actual terms and conditions in the policy wordings before deciding to purchase the Policy.

Cancellation Clause: This is a short-term accident and health policy and the insurer is not required to renew this policy. The insurer reserves the right to terminate this policy at any time by giving 30 days’ notice in writing to the Insured. Whenever such cancellation occurs, the Company shall return the unearned portion of premium based on the short rated table (refer to actual policy wordings). No premium will be refunded if claims have already been made by the Insured. Cancellation shall be without prejudice to any claim origination prior to the effective date of cancellation.
Terms of Renewal: Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium.
Non-guaranteed Premium: Premiums payable for this coverage are not guaranteed and may be revised at policy renewal at the full discretion of Liberty Insurance Pte Ltd.
Change in Circumstances: In the event of a change in occupation/designation of an employee of the Insured, the Insured shall notify the Company in writing of the new occupation/designation. The Company will proceed to reclassify the employee to the applicable benefits plan based on employee group. The Insured shall also notify the Company in writing in the event of an employee’s change in the country of residence. (Note: Only Employees and Dependents residing in Singapore are eligible for cover)
Reasonable & Customary Charges: Benefits payable are limited to Reasonable and Customary charges for the treatments provided and to the limits of the Plan chosen.
Policy Period: Insurance will only commence when the proposal is accepted, the premium paid and accepted by Liberty Insurance Pte Ltd.
Free Look Period: In the event that the Insured is not satisfied with the policy for any reason, it may be returned to the Company for cancellation within fourteen days from the date of receipt and any premium paid or billed will be refunded in full.
Claims Submission: All claims on reimbursement basis should be submitted within 30 days starting from the first date of the treatment.

Switching of medical Policies may result in the Policyholder having to pay a different premium amount and different policy terms and conditions
This Policy is not a Medisave-approved policy and you may not use Medisave to pay the premium for this Policy
The Total Distribution Cost of this product is between 15% to 20% of the premium. Such costs include cash payments in the form of commission, costs of benefits and services paid to the distribution channel. We assure you that the Total Distribution Cost is not an additional cost to you, as it was already accounted in the calculation of your premium.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)