Group Hospital & Surgical

Reduce the financial burden of your employees’ family in the event that any of your employees are hospitalised.
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About Group Hospital & Surgical

Our flexible Group Hospital & Surgical plan types allow you to customize the benefits that best suit your budget and employees’ needs.

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Useful Tips

Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
  1. The premium payable and excess applicable
  2. Unnamed drivers (including young and inexperienced) excess
  3. The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
  4. Driver restrictions (if any)
  5. Workshop restrictions
  6. List of approved repair workshops
  7. Non-standard exclusions
  8. Accident reporting and claims filing procedures
  9. Cancellation and refund policy
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
  1. Profile of the vehicle
  2. Profile of the driver(s)
  3. Usage of vehicle
  4. Type of cover required
  5. History of claims
  6. No Claim Discount entitlement

To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:

  1. Your age
  2. Usage of your vehicle
  3. Make, model and year of make/registration of your vehicle
  4. Any other person(s) driving the vehicle beside you
  5. Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
  6. NCD entitlement
  7. Has the vehicle been modified? Please provide details of modifications
  8. Years of Driving experience in Singapore
  9. Existing medical conditions or physical impairment that may affect the driving of car (if any)

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