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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 Fully Covered
X-rays, Lab Tests, Medicine, etc Fully Covered
Pre & Post-Hospitalisation Benefits Fully Covered, 90 days
Emergency Benefits
Medical Evacuation & Repatriation, incl Ambulance Fully Covered
Outpatient Benefits
Physician & Specialist Consultations, incl Medications Fully Covered
Physiotherapist $1,150 Chiro, Osteo, Homeopath & Accupuncture TCM: Traditional Chinese Medicine $60/visit, 20 visits/year
Vaccinations $500
Routine Check-Ups & Wellness Benefits Not Offered
Dental Benefits
Routine Dental Care 80%, Up to $500
Accidental Damage to Teeth Fully Covered
Oral & Maxillofacial Surgery (refer to listing) Fully Covered
Additional Benefits Cancer Care: Radio & Chemotherapy
$150,000 CT Scans, MRI, PET Scans, x-rays, etc.
*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 ProcessInpatient, 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 ProcessInpatient, Hospitalisation & Surgery
Logon to: expatinsurance.com.sg/reflectgeoDownload & Complete Pre-Authorisation Form
Upon approval, AXA will arrange fordirect settlement with the Hospital/Provider.
*For ease of assistance with Payment Guarantees, consult the International Directory of Hospitals and utilise a preferred provider
Two Options:
1. Visit a Cashless Outpatient Clinic in Singapore2. Visit a Doctor of Your Choice
Claims ProcessOutpatient 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 ProcessCashless Outpatient Claims
Claims ProcessOutpatient Reimbursement Claims
Logon to: expatinsurance.com.sg/reflectgeoDownload & 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 ProcessOutpatient 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.
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
Coverage for your Family
Premium for your Family
For non-USA based family members:
For USA based family members:
Premium Payable by Employee for each Family Member
USD 1,097
Premium Payable by Employee for each Family Member
USD 3,291
Adding your Family
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 to1 November 2011 and claims settled accordingly
Two deadlines for addition of your dependents:• 16 January 2012• 20 February 2012
Information Portal
Your Personal Portal can be found at:(effective 19 December 2011)
-Employee Benefit Handbook-Summary of Benefits, Policy Wording & Definitions
-Claim Forms-Procedures
-Emergency Contact Numbers
www.expatinsurance.com.sg/reflectgeo
+65 6401 [email protected]
www.expatinsurance.com.sg/reflectgeo
20 Upper Circular RoadThe Riverwalk, #B1-52
Singapore 058416
Questions?