Hospital and Surgical Insurance

Ease your worry of a huge financial burden as you recuperate with peace-of-mind.

Overview

· Daily Room and Board

We cover hospital charges for accommodation, general nursing services and meals.

· Intensive Care Unit

We cover the daily room and board charges incurred when confined in the Intensive Care Unit of a hospital.

· Daily Hospital Cash Income

We pay up to S$150 in daily hospital cash income, up to a maximum of 30 days per disability.

· Major Organ Transplant

We cover the actual medical treatment costs incurred as a result of a surgical transplant of kidney, heart, liver, lung and bone marrow performed in a hospital. 

Key Benefits

· Your choice of Hospitals, Wards and Doctors

Free choice of hospitals, wards and doctors.

· 4 Flexible Plans

With 4 flexible plans to choose from, you can have medical protection tailored to your own needs and best suited to your personal budget.

· Complement any existing Medical Plan

This policy is also designed to complement your existing medical plan for complete protection right from the first dollar.

· No Annual & Lifetime Limit

Free from annual limit and lifetime limit.

Frequently Asked Questions

· When can I take up this policy for my child?

Child(ren) age between 15 days and 18 years who are unmarried and unemployed, natural children, legal step children and legally adopted children can be enrolled as a dependent of either parent.

· Does this policy cover me, if I am stationed overseas? Do I have to inform the insurer?

The coverage automatically ceases when you are out of Singapore for a period of 90 consecutive days. You will have to inform the insurer, if you have an overseas posting and subject to our acceptance, an additional premium will be payable.

· Does this policy cover pre-existing conditions?

The policy does not cover all pre-existing conditions.

· Will my policy cover me, if I am travelling overseas for medical treatment?

If you are travelling specifically for medical treatment outside of Singapore, we will pay the charges up to equivalent treatment in a Singapore Restructured Hospital even if the overseas charges are higher.

· Is there a deductible or co-payment on the policy?

There are no deductible or co-payment on this policy.

· Are SARS and bird flu covered?

Yes, they are covered if you are hospitalised or had surgery due to SARS and bird flu and provided the diseases do not warrant you for isolation or quarantine by law in the event of an epidemic.

· Is psychiatric treatment covered?

All treatments related to psychiatric conditions are not covered.

· Are pregnancy related treatments cover?

Pregnancy, childbirth, abortion, infertility and all complications related to pregnancy are excluded, except accidental miscarriage.

· Is day surgery covered?

Yes, it is covered under Hospital & Surgical Policy unless medically necessary.

· Which policy should I claim for the medical expenses, if I have both MediShield and EQ Hospital & Surgical?

You can file the claim against your Shield policy and claim against us for the co-payment and deductible of the Shield policy.