Financial Assistance Benefit for side effects of COVID-19 Vaccine

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Financial Assistance Benefit for side effects of COVID-19 Vaccine


Benefits

Maximum Days of Hospitalisation BenefitMaximum Payout per Insured Person

Hospitalisation Benefit

If the Insured Person is hospitalised due to the side effects from COVID-19 Vaccine, we will provide the hospitalisation benefit of S$100 per day, up to S$1,000.

10S$1,000

Intensive Care Unit (“ICU”) Benefit

If the Insured Person is hospitalised and warded in the ICU due to the side effects from COVID-19 Vaccine, we will provide the ICU benefit of S$200 per day, up to S$1,000.

5S$1,000

Terms & Conditions:

The Hospitalisation and Intensive Care Unit (“ICU”) Benefits (the “Benefits”) are offered to an Insured Person for the Eligible Period.

For the Benefits entitlement, Insured Person must be

      1. at least seventeen (17) years of age and not more than seventy (70) years of age on the date of the first COVID-19 Vaccine dose;
      2. Certified by a Medical Practitioner to have suffered from an allergic reaction during the Eligible Period, solely as a result of a COVID-19 Vaccine; and
      3. Hospitalised as a result of the allergic reaction, where the Hospitalisation must be considered Medically Necessary.

 

Each Insured Person will only be entitled to receive the Benefits once and subject to the benefit limit stated in the benefit table above, regardless of the number of Hospitalisations during the Eligible Period.

 

The Insured Person will not be entitled to the Benefits where the Hospitalisation was caused directly or indirectly by Pre-Existing Condition.

 

We reserve the right to make amendments to the Benefits and its validity at any time.

 

Definitions:

COVID-19 Vaccine refers to the vaccination of any COVID-19 vaccine which is approved for use in Singapore by the Health Sciences Authority (HSA) and administered in Singapore on the recommendation of a Medical Practitioner duly licensed by the Singapore Medical Council.

Eligible Period refers to a period of three (3) months from the date the Insured Person receives the first dose of a COVID-19 Vaccine. The first COVID-19 Vaccine dose must be administered during the Insured Person’s Eligible Policy inforce period.

 

Eligible Policy refers to any Life or General Insurance covering the Insured Person.

 

Hospital refers to an establishment constituted and registered in Singapore which fully meets all of the following criteria:

    1. maintains permanent and full-time facilities for care of overnight resident patients; and
    2. has diagnostic and therapeutic facilities for surgical and medical diagnosis and treatment and care of injured and sick persons by or under the supervision of a staff of Medical Practitioners; and
    3. continuously provides twenty-four (24) hours a day nursing service supervised by qualified nurses; and
    4. is not, other than incidentally, a mental institution or a place for rest or a place for the aged, drug addicts or alcoholics.

 

Hospitalisation refers to the admission of the Insured Person in a Hospital for at least twelve (12) consecutive hours in which a room and board charge is made in connection with such admission.

Insured Person refers to the following:

    1. All existing and new Life assured of Our Life Protection and Insurance Savings plans; or
    2. All existing and new Insured of the following Personal Lines Insurance policy under Etiqa Singapore:
      1. Personal Cyber
      2. Home Content
      3. Maid
      4. Motor
      5. Personal Accident (Annual)
      6. Travel (Annual)

 

Medical Practitioner a registered and legally qualified physician, doctor or surgeon by a medical degree in western medicine and authorised by the medical licensing authority of that country to provide medical or surgical services within the scope of their licence and training. This cannot be the Insured Person, the Insured Person’s Family Member, relative, business partner, employer, employee or agent.

Medically Necessary
shall mean a treatment which is ordered by a Medical Practitioner which is:

    1. provided for the direct treatment of a medical condition;
    2. appropriate and consistent with the symptoms and findings or diagnosis and treatment of that medical condition;
    3. provided in accordance with generally accepted medical practice;
    4. the most appropriate supply or level of service which can be provided on a cost effective basis; and
    5. not of an experimental, investigational or research nature, preventive or screening nature.

 

Pre-Existing Condition refers to any condition, illness, disease, disability or defect, including but not limited to history of a severe allergic reaction (e.g. anaphylaxis) to any component of a COVID-19 Vaccine, for which:

    1. the Insured Person has sought medical advice, been investigated, diagnosed, hospitalised, received medical treatment, undergone surgical operation, or been prescribed drugs at any time prior to receiving the COVID-19 Vaccine; or
    2. signs and symptoms manifested prior to the Insured Person receiving the COVID-19 Vaccine, which would have caused a prudent person to seek medical advice or counselling, undergo investigation or diagnostic tests, receive medical treatment, undergo surgery, be hospitalized, or be prescribed drugs.

 

Us / We / Our / Insurer / Etiqa Singapore refers to Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K)

 

Claims Procedures:
All claims and relevant supporting documents must be given to Us as soon as possible but not later than thirty (30) days after the Insured Person is discharged from the hospital;

    1. A copy of your vaccination card;
    2. A copy of the hospital bill which states the number of days you were hospitalised;
    3. proof of diagnosis or medical/hospitalisation certification issued by hospitals specifying the diagnosis is due to side effects from COVID-19 Vaccine; and
    4. A copy of your National Registration Identification Card.

Frequently Asked Questions

What are the coverage provided under this Benefit?

This Benefit is provided to:

  • Insured Person who is at least seventeen (17) years of age and not more than seventy (70) years of age on the date of the first COVID-19 Vaccine dose;
  • All existing and new life assured of Our Life Protection and Insurance Savings plans; or
  • All existing and new policyholder of the following Personal Lines Insurance policy under Etiqa Singapore:
    1. Personal Cyber
    2. Home Content
    3. Maid
    4. Motor
    5. Personal Accident (Annual)
    6. Travel (Annual)
Who is eligible for this Benefit?

This Benefit is provided to:

  • Insured Person who is at least seventeen (17) years of age and not more than seventy (70) years of age on the date of the first COVID-19 Vaccine dose;
  • All existing and new life assured of Our Life Protection and Insurance Savings plans; or
  • All existing and new policyholder of the following Personal Lines Insurance policy under Etiqa Singapore:
    1. Personal Cyber
    2. Home Content
    3. Maid
    4. Motor
    5. Personal Accident (Annual)
    6. Travel (Annual)
Will I still be entitled to the Benefit if the vaccination for COVID-19 is taken outside of Singapore?

The vaccine taken must be approved for use in Singapore by the Health Sciences Authority (HSA) and must be administered in Singapore on the recommendation of a medical practitioner duly licensed by the Singapore Medical Council.

Will I still be entitled to the benefit if the policy had lapsed?

No, the benefits are payable only if your policy is still inforce.

Do I need to apply for this Benefit?

No, this Benefit is automatically extended to all eligible Insured as stated in Question 2.

I have multiple policies with Etiqa Singapore. Will I be entitled to multiple Benefits?

Regardless of the number of policies you have with Etiqa Singapore, you will only be entitled to receive the Benefits once regardless of the number of Hospitalisations during the Eligible Period.

The maximum benefit payout of S$100 per day for hospitalisation benefit, S$200 per day for ICU benefit. The total payable amount under this Benefit is S$2,000 per Insured Person.

If I have been admitted into the ICU due to the side effects from COVID-19 vaccination, am I entitled to both the hospitalisation benefit and ICU benefit?

In the event of being admitted into the ICU, you will only be entitled to the ICU benefit payout, which is S$200 per day.

I am a policyholder of a third party Etiqa Singapore life policy (i.e., policyholder is not the insured), will I be entitled to the Benefit?

This Benefit is offered as a complimentary coverage to the Insured Person of Etiqa Singapore life insurance policies.

Does it cover private and public hospital in Singapore, and hospitals outside Singapore?

Admission to private and public hospitals in Singapore is covered with proof of hospitalisation due to side effects from COVID-19 vaccination. Admission to hospitals outside of Singapore is not covered.

How do I claim this Benefit? What documents do I need to submit?

You may contact our Customer Care via WhatsApp messaging or phone at +65 6887 8777 or email us at customer.service@etiqa.com.sg for further assistance.

All claims and relevant supporting documents must be given to Us as soon as possible but not later than thirty (30) days after the Insured Person is discharged from the hospital;

  1. A copy of your vaccination card;
  2. A copy of the hospital bill which states the number of days you were hospitalised;
  3. proof of diagnosis or medical/hospitalisation certification issued by hospitals specifying the diagnosis is due to side effects from COVID-19 Vaccine; and

A copy of your National Registration Identification Card.

Who will be the recipient of the Benefit’s payments?

The claims for this Benefit will be paid to the Insured Person.

Who should I contact if I have further questions?

Our Customer Care team will be happy to take your questions during operating hours from Mondays to Fridays, 8.45am to 5.30pm. You may also contact us through WhatsApp at +65 6887 8777 or visit our website at www.etiqa.com.sg to start a live chat with us.