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Hospital and Surgical Insurance

$100.00

Hospital and Surgical Insurance is the policy that pays for inpatient hospitalisation bills. Some of the inpatient hospitalisation expenses covered are as follows:

Intensive Care Units
Surgical Fee
Hospital Miscellaneous Charges
Ambulance
Organ Transplant
Implants

On top of the above, it is common for the policy to extend covers some non inpatient expenses.

  • Outpatient Kidney Dialysis
  • Outpatient Cancer Treatment
  • Accidental Dental Treatment
  • Special Grant

In most Group Employee Benefits Insurance, the Hospital and Surgical Coverage is the main product to be arranged. The other benefits such as Major Medical, GP Outpatient, Specialist Outpatient, Dental, all act as a rider to the Hospital and Surgical Cover.


Choosing Your Right Hospital and Surgical Plan
When selecting the Group Hospital and Surgical Insurance, it is important to be aware of the demographic, needs, and group size. A young workforce will have a very different needs as compared to that of a workforce with more senior staffs. Also, a group size of 10 employee would also be very different as compared to one with more than 100 employees.

It is also important to be aware the Hospital and Ward types which you will normally want to be admitted if hospitalisation is necessary. There are mainly Private and Government Restructured Hospital, with ward type of A1, A2, B1, B2, C ward. The different ward types offer different number of patient sharing. Some products do not offer Private Hospital Cover and it is important to recognise this early in your selection.

When selecting the insurer, it is important to understand the products and covers provided by the insurer. For example, some insurer do not carry Dental Outpatient. If this is important to your company, it is best to avoid the insurer. This may also apply if you are looking for some unique extensions of cover.


Find a Broker
To know more on Hospital and Sugical Insurance, please contact us:
Email : awg@awginsurance.com

SKU: EB-1 Category:

Product Description

Hospital and Surgical Insurance is the policy that pays for inpatient hospitalisation bills. Some of the inpatient hospitalisation expenses covered are as follows:

  • Room and Board Charges
  • Intensive Care Units
  • Surgical Fee
  • Hospital Miscellaneous Charges
  • Ambulance
  • Organ Transplant
  • Implants
AWG: Covid19 Announcement

Dear Valuable Clients and Partners, 

Following the suspension of activities at workplace premises under the elevated safe distancing measures announced by the Ministry of Health (MOH) on 3rd April 2020, we would like to announce the following changes to our work so as to continue our service to our customers. 

AWG Insurance Brokers is a key member of the financial service industry and we are exempted from the suspension. We will continue to provide services to our customers, but with the following measures and changes. 

Closure of Office to walk-in Customers. 
We will no longer allow walk-in submission of documents. The office will not be opened to the public and you will need to submit any Original Documents to our Letter Box placed at our office. If Original is not required, we will encourage sending via email. This is to reduce human contacts and reducing the risk of infection. 

Working from home
Our staff and management will be taking turns to work at home. We will have a reduced workforce during this period. Many insurance companies also have their staff working from home. You may still contact your servicer at the DID in their email. 

Premium Payment

We will not be able to receive cash payment from customer and all payment is to be made via Paynow with UEN No : 199002234G, QR Code (reflected on our debit note) and Cheques. Please indicate the policy/policies number that you pay and email to dorcaschoy@awginsurance.com for any funds transfer 

MAS has also announced recently on the availability of premium installment. We have not gotten any update from insurers as of today and will update you soonest once we have any information.  

Claims 
Claim function is probably the most important part of our existence. We continue to assist and advise you on any claims matter. For claims payment, we would advise that you opt for direct fund transfer to your designated account number if the option is available. 

We apologize if there is any inconvenience caused and wish you good health amidst this difficult time. 

Regards