15
Corporate Employee Benefits: Medical Insurance Programme efits Provided by AXA Insurance Singapore Administered by Expat Insurance Pte L

Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

Embed Size (px)

Citation preview

Page 1: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

Corporate Employee Benefits:Medical Insurance Programme

Benefits Provided by AXA Insurance Singapore Administered by Expat Insurance Pte Ltd

Page 2: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered 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

Page 3: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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.

Page 4: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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)

Page 5: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 6: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 7: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

Two Options:

1. Visit a Cashless Outpatient Clinic in Singapore2. Visit a Doctor of Your Choice

Claims ProcessOutpatient Claims

Page 8: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 9: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 10: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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.

Page 11: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 12: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 13: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 14: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

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

Page 15: Corporate Employee Benefits: Medical Insurance Programme Benefits Provided by AXA Insurance SingaporeAdministered by Expat Insurance Pte Ltd

+65 6401 [email protected]

www.expatinsurance.com.sg/reflectgeo

20 Upper Circular RoadThe Riverwalk, #B1-52

Singapore 058416

Questions?