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
- 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;
- 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
- 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.
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:
- maintains permanent and full-time facilities for care of overnight resident patients; and
- 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
- continuously provides twenty-four (24) hours a day nursing service supervised by qualified nurses; and
- 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:
- All existing and new Life assured of Our Life Protection and Insurance Savings plans; or
- All existing and new Insured of the following Personal Lines Insurance policy under Etiqa Singapore:
- Personal Cyber
- Home Content
- Personal Accident (Annual)
- 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:
- provided for the direct treatment of a medical condition;
- appropriate and consistent with the symptoms and findings or diagnosis and treatment of that medical condition;
- provided in accordance with generally accepted medical practice;
- the most appropriate supply or level of service which can be provided on a cost effective basis; and
- 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:
- 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
- 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)
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;
- A copy of your vaccination card;
- A copy of the hospital bill which states the number of days you were hospitalised;
- 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.