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How would you like to apply?

I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

*SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

*Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

I am an existing Standard Chartered Current/Checking/Savings Account holder

    How would you like to apply?

    I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

    *SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

    *Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

    Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

    I am an existing Standard Chartered Current/Checking/Savings Account holder

      The health insurance that offers high cover limits, giving you access to state-of-the-art treatment options.

      Sea, Ocean, Water

      The health insurance that offers high cover limits, giving you access to state-of-the-art treatment options.

      Prestige Healthcare protects your lifestyle the way you want it.

      Live life lighter with Prestige Healthcare, the comprehensive premium healthcare protection with high cover limits that pays for your inpatient bills from the first dollar onwards!

      Benefits & Premiums

      Basic Cover
      Coverage Sum Insured (SGD)
      Platinum Plan Deluxe Plan Elite Plan
      Overall maximum annual limit per Insured Person per period of insurance subject to sub-limits as stated below $3,000,000 $1,500,000 $900,000
      1)  HOSPITAL AND RELATED SERVICES Up to

      $1,000,000

      Up to

      $500,000

      Up to

      $300,000

      Inpatient Hospital Treatment and Services including accommodation up to the cost of a standard class single-bed air-conditioned room
      Adult’s Hospital Accommodation

      Adult staying with an insured child patient of not more than 18 years old

      Doctor’s/Surgeon’s/Anaesthetist’s or Physiotherapist fees and Specialist consultations and visits
      Intensive Care Unit
      Cancer Treatment (inpatient and outpatient)
      Kidney Dialysis (inpatient and outpatient)
      Organ Transplantation

      The operation costs for kidney, heart, liver, lung or bone marrow transplants, excluding costs incurred by a donor or acquisition costs of organs

      Day Care Surgery
      Inpatient Psychiatric Treatment

      The medically necessary Psychiatric Treatment up to a maximum of 30 days commencing after 24 consecutive months from the commencement of cover of the Insured Person, or the date of reinstatement of his/her cover by the Company, whichever is later

      Home Nursing Care

      Up to a maximum of 26 weeks following discharge from Hospital

      Casualty Ward Accident Services

      Medical treatment as an outpatient at a Hospital or Clinic for a covered Injury following an Accident which an Insured Person had obtained medical attention within 24 hours of the Accident. Includes follow up treatment up to 30 days from the date of the Accident

      Casualty Ward Emergency Services

      Medical emergency arising from a covered Illness as an outpatient at a Hospital. A deductible of $100 per claim or course of treatment is applicable

      Accident Dental Cover

      Dental treatment required to restore or replace sound natural teeth lost or damaged in an Accident within 14 days following such an Accident

      Local Ambulance Services

      Pays for ambulance transport to local Hospital provided the Insured Person is warded as an inpatient for treatment of a covered Injury or Illness

      Outpatient Alternative Treatment

      Treatment by a Physiotherapist, Registered Chiropractor, Registered Chinese Physician and/or Acupuncturist for a covered Injury or Illness

      Up to $2,000 Up to $1,000 Up to $750
      Artificial Limbs

      Pays for costs associated with fitting an artificial body part prescribed by the treating Doctor as medically necessary

      Up to $1,500 Up to $1,000 Up to $500
      Mobility Aids

      Pays for costs of purchasing or renting of mobility aids prescribed by the treating Doctor as medically necessary

      Up to $500 Up to $400 Up to $300
      Pre-Hospital Specialist Consultation and Diagnostic Services Within 180 days of hospital admission Within 120 days of hospital admission Within 120 days of hospital admission
      Post-Hospital Follow Up Treatment Up to 180 days after discharge Up to 120 days after discharge Up to 120 days after discharge
      2) INCREASED INTERNATIONAL COVER

      Automatic increase of Hospital and Related Services cover when outside an Insured Person’s Usual Country of Residence and Home Country

      From $1,000,000

      Up to $2,000,000

      From $500,000

      Up to $1,000,000

      From $300,000

      Up to $600,000

      3) OVERSEAS EMERGENCY MEDICAL EVACUATION AND REPATRIATION, REPATRIATION OR LOCAL BURIAL OF MORTAL REMAINS OR LOCAL CREMATION^^ Up to $1,000,000 Up to $500,000 Up to $300,000
      4) COMPASSIONATE GRANT

      (We will pay the benefit amount in the event the Insured Person dies from a covered Injury or Illness as a registered Inpatient during the treatment for such Illness at the Hospital or within 90 days after discharge from the Hospital, in the Insured Person’s Usual Country

      of Residence)

      $8,000 $5,000 $3,000
      Additional Benefits* (per Insured Person per Period of Insurance)
      A) EMERGENCY MEDICAL ADVICE AND TRAVEL ASSISTANCE

      • Emergency Medical Advice and Assistance

      • International Travel Assistance Services

      Provided Provided Provided
      B) COMPASSIONATE TRAVEL

      Cost of an economy class return airfare from the Usual Country of Residence of an Insured Person to attend the funeral of a close family member

      Covered Covered Covered
      C) MISCARRIAGE (or ABORTION) DUE TO ACCIDENT $5,000 $4,000 $3,000
      D) OUTPATIENT SERVICES

      • General Practitioner and Specialist consultations with prescribed treatment

      • Diagnostic services and prescription drugs

      Up to $25,000 subject

      to deductible of $100

      per claim or course of

      treatment

      Not Covered Not Covered
      Optional Maternity Benefit*

      Ante-natal, childbirth and post-natal treatment for the mother. Applicable to pregnancies which begin at least 365 days from the date of commencement of cover under this benefit.

      Normal Delivery Up to $6,000 Up to $6,000 Not Applicable
      Complicated Delivery as defined in the policy Up to $15,000 Up to $15,000 Not Applicable

      Notes:

      *The Additional Benefits and optional Maternity Benefits are not subjected to the Overall Maximum Annual Limit.

      ^^Applies outside and Insured Person’s Country of Residence or Home Country.

      Premium Table

      Annual Premiums

      Currency: Singapore dollars Including GST

      AGE LAST BIRTHDAY
      PLATINUM PLAN
      DELUXE PLAN
      ELITE PLAN
      Age Band Male Female Male Female Male Female
      15 days – 17years $1,159.00 $1,185.00 $802.00 $908.00 $695.00 $743.00
      18 – 29 $1,561.00 $1,373.00 $1,061.00 $1,073.00 $908.00 $919.00
      30 – 34 $1,586.00 $1,877.00 $1,179.00 $1,332.00 $1,109.00 $1,119.00
      35 – 39 $1,763.00 $2,430.00 $1,202.00 $1,475.00 $1,132.00 $1,226.00
      40 – 44 $2,191.00 $2,973.00 $1,344.00 $1,498.00 $1,297.00 $1,426.00
      45 – 49 $2,468.00 $3,526.00 $1,768.00 $1,804.00 $1,580.00 $1,591.00
      50 – 54 $3,187.00 $3,804.00 $2,086.00 $2,122.00 $1,909.00 $1,933.00
      55 – 59 $4,332.00 $4,559.00 $2,748.00 $2,830.00 $2,534.00 $2,464.00
      60 – 64 $6,069.00 $5,805.00 $3,768.00 $3,329.00 $3,649.00 $3,083.00
      Renewals Only
      AGE LAST BIRTHDAY PLATINUM Plan DELUXE PLAN ELITE PLAN
      Age Band Male Female Male Female Male Female
      65 $7,368.00 $6,232.00 $4,606.00 $3,885.00 $4,205.00 $3,531.00
      66 $7,735.00 $6,548.00 $4,843.00 $4,086.00 $4,417.00 $3,709.00
      67 $8,087.00 $6,838.00 $5,054.00 $4,263.00 $4,606.00 $3,873.00
      68 $8,453.00 $7,154.00 $5,290.00 $4,464.00 $4,795.00 $4,052.00
      69 $8,668.00 $7,343.00 $5,433.00 $4,570.00 $4,913.00 $4,156.00
      70 $9,564.00 $8,226.00 $6,732.00 $5,788.00 $6,083.00 $5,256.00
      71 $10,031.00 $8,630.00 $7,063.00 $6,058.00 $6,378.00 $5,528.00
      72 $10,497.00 $9,034.00 $7,393.00 $6,354.00 $6,674.00 $5,788.00
      73 $10,964.00 $9,438.00 $7,724.00 $7,050.00 $6,968.00 $6,035.00
      74 $11,255.00 $9,690.00 $7,925.00 $7,240.00 $7,157.00 $6,188.00
      75 $12,415.00 $10,699.00 $9,142.00 $8,339.00 $8,243.00 $7,133.00
      76 $13,021.00 $11,217.00 $9,578.00 $8,740.00 $8,657.00 $7,488.00
      77 $13,640.00 $11,734.00 $10,040.00 $9,142.00 $9,058.00 $7,842.00
      78 $14,233.00 $12,276.00 $10,487.00 $9,567.00 $9,460.00 $8,185.00
      79 $14,598.00 $12,592.00 $10,760.00 $9,814.00 $9,708.00 $8,408.00

      Optional Benefit – Maternity Benefit

      Additional Annual Premium

      Applicable to Female Insured Person on Platinum and Deluxe Plans

      Age Last Birthday
      Platinum Plan
      Deluxe Plan
      Elite Plan
      21-39 $1,580 $1,580 N.A
      40-45 $2,400 $2,400 N.A

      FAQs

      • Persons aged between 18 years and below 65 years old with his or her Usual Country of Residence in Singapore are eligible to apply for the insurance.

        A child aged at least 15 days following his/her normal healthy birth and not more than 18 years may be insured provided one of the parents is insured at the same time and their Usual Country of Residence is Singapore.

      • The covered limit for each of the inpatient and outpatient benefit varies and is subject to an Overall Maximum Annual Limit for each Insured Person depending on the Plan selected. Please refer to the Summary of Benefits in the Product Benefits attachment for the applicable limits.

        The Overall Maximum Annual Limit is not applicable to the following benefits:

        • Emergency Medical Advice and Travel Assistance
        • Compassionate Travel
        • Miscarriage (or Abortion) due to Accident
        • Outpatient Services

        A separate limit applies to the Maternity Benefit if this optional cover is purchased.

      • The Insured Person shall obtain medical treatment in his/her Usual Country of Residence except for emergency treatment which requires immediate attention, in respect of an Accident or acute Illness occurring during business or holiday travel of not exceeding 90 days each trip.

        Elective treatment is not covered.

      • The Maternity Benefit is an optional cover insuring the cost of ante-natal, childbirth and post-natal treatment for the mother including complications during pregnancy and Complicated Delivery as defined in the policy.

        Miscarriage or treatment cost for the termination of pregnancy due to medical grounds is also covered under the Maternity Benefit.

        Note: Apply only to pregnancies which begin at least 365 days from the date of commencement of cover after the mother’s first enrolment as an Insured Person with Maternity Benefit in force.

      • The policy does not cover any pre-existing medical conditions. All applications are subject to underwriting assessment and terms and conditions agreed by MSIG before cover can be effected.

      • A deductible is the amount an Insured Person must contribute towards the cost of each claim or course of treatment during any one Period of Insurance.

        A Deductible of $100 applies to the following benefits:

        • Casualty Ward Emergency Services
        • Outpatient Services (Applicable to Platinum Plan only)
      • This is a voluntary option and refers to the accumulative total amount of covered medical expenses (including covered claims resulting from Day Care Surgery) incurred by an Insured Person during any one Period of Insurance and borne by the Insured. In return for selection of this option, the Insured shall enjoy a percent discount off the premium rates. Please contact MSIG for the discount details.

        This option is not available to the Optional Maternity Benefit.

      • The latest entry age for an adult enrolment is 64 years old (age last birthday) and renewability is up to age 79. The entry age for a child is 15 days from his/her normal healthy birth and is renewable up to age 18 or 21 years old if in full time formal education.

      • Waiting Period applies to the following benefits:

        1. Hospitalisation for treatment of any illness – 30 days
        2. Inpatient Psychiatric Treatment – 24 months
        3. Optional Maternity Benefit – applicable to pregnancies which begin at least 365 days

        from the commencement of the insurance   or the date of reinstatement of cover, whichever is later.

        There is no waiting period for hospitalisation due to accidents.

      • The premium is age banded and increases as an Insured Person enters the next higher age band. The premium may also vary at renewal to reflect changes in risk or claim profile of the Insured Person and adjustments for medical inflation.

        The nature of occupation of an Insured Person is one of the underwriting factors for continuation of the insurance. Please inform MSIG if you have a change of occupation for re-assessment of the coverage terms and conditions.

      Important Notes

        • There are certain conditions under which no benefits are payable, such as Pre-existing conditions
        • Psychiatric Treatment as an outpatient; or Inpatient Psychiatric Treatment commencing within 24 (twenty-four) months from the commencement of cover of the Insured Person concerned
        • Hospitalisation for treatment of any Illness commencing within 30 (thirty) days from the commencement of cover
        For full list of exclusions, please refer to the policy wording.

      Disclaimer

      This webpage is not a contract of insurance and reference should be made to the actual policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd., (“MSIG”). It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are underwritten by MSIG and they are not products of, nor are they underwritten by Standard Chartered Bank (Singapore) Limited (“SCBSL”).

      SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance. In facilitating insurance arrangements or in referring customers to any insurer, SCBSL is acting in alliance with the insurer and not as an agent for customers. This webpage is being distributed for general information only and does not constitute an offer, recommendation, solicitation to enter into any transaction.

      You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If, after purchasing the policy, you decide that the policy is not suitable for you, you may terminate the policy in accordance with the free-look provision, if any, and MSIG may recover from you any expense incurred by them in underwriting the policy. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG.

      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 here or visit GIA or SDIC.