Singtel Hospital Cash is a health plan that provides a daily cash benefit when hospitalised. It is designed to supplement your existing medical insurance policies to ease financial burdens so that you can focus on recovery. This plan may also help to cover some part of deductibles or co-payments of your existing medical insurance.

The Singtel Hospital Cash covers a daily cash benefit for each day of hospitalization from sickness or accidental injury, anywhere in the world, up to a specified maximum limit. The policy also includes additional benefits for:

• intensive care unit (ICU) stays
• daily home recovery
• monthly phone bill protection (exclusive to Singtel customers)
• additional coverage if you are retrenched

This is a yearly renewable plan and the policy term is 1 year. At the end of 1 year policy term, this policy can be renewed for another 1 year on the expiry date before renewal based on your attained age, so long as the following conditions are met:

• this policy is in force on the expiry date before the renewal; and
• you (insured) is 65 years old or below on the renewal date.

Attained age is your age on the date of application. For example,

• Your birthdate is 18 June 1990
• Today is 1 August 2023
• Your attained age is 32

You can buy Singtel Hospital Cash with your spouse and/or children under our Family Plan. You can cover your spouse, parents, in-laws, and children, up to a total of 10 insureds in the same plan, as long as each insured is a Singapore citizen, Permanent Resident of Singapore or foreigner with valid work pass, dependent pass or long-term visit pass. Each additional insured added to the plan will receive a 5% further discount on total premium before GST.

Yes, you can buy Singtel Hospital Cash for you and your children. With this, your children will be eligible for 50% of the Sum Insured under your selected plan.
For the child(ren) to be eligible under this Insurance plan, the following conditions must be met:

• The child(ren) must be your legal child;
• The child(ren) must be at least 1 year of age and not more than seventeen (17) years of age (or not more than twenty-five (25) years of age if studying full-time in a recognised tertiary institution);
• The child(ren) must be wholly dependent on you or your legal spouse for financial support;
• The child(ren) must be must be unmarried; and

Yes, there is a waiting period of 30 days for any sickness or injury for which you receive treatment, medication, advice, consultation or diagnosis. There is a waiting period of 90 days to receive the hospital income benefit for retrenchment.

Retrenchment is the termination of full-time employment where you have worked for at least 6 consecutive months. You need to remain unemployed for at least 30 consecutive days from the date of retrenchment before your retrenchment benefit claim can be assessed.

You can still sign up for Singtel Hospital Cash but you’ll not enjoy the retrenchment benefit currently. But in the unfortunate event that you’re retrenched from your next job, you are able to get the retrenchment benefit, provided that the following conditions are met:

• The Retrenchment Date is within the policy coverage dates; and
• The Retrenchment Date is at least 6 consecutive months after you’ve started your full-time employment

Detailed conditions and exclusions can be found in the Policy Wording.

For insured person(s) employed in the occupations below, our plan covers only while they are off-duty at the time of the accidental injury.

• Armed and discipline forces shall include but not limited to the military, navy, air force, policemen, auxiliary police officers, customs officers, firemen, immigration officers or inspectors, and correctional service officers or inspectors
• Professional sportsperson including motor sportsperson
• Personnel working on board an aircraft

Children who are employed and not primarily dependent on their parents for support, will not be eligible for coverage under this plan. For more details, please read the Policy wording.

Yes. The cover and terms may be varied or discontinued if your new occupation and recreation is more hazardous than when you first proposed for insurance or if it falls within the excluded occupations and recreations in the policy.

You will be still covered under this policy, excluding Additional Benefits exclusive to Singtel Customers.

Yes, if you are hospitalised for a minimum of 24 hours, up to 365 days per sickness (including COVID-19), or accidental injury. There is a 30-day waiting period from the policy commencement date for hospitalisation due to sickness or injury. As an added benefit to our valued customers, the waiting period is waived for hospitalisation due to COVID-19.

No. Cancelling work passes of foreign employees does not necessarily mean the employer is retrenching the foreign employees.

Yes, this plan offers worldwide coverage if you are hospitalized due to an accident or sickness.

The Daily Hospital Cash/Income benefit does not cover elective medical treatment or non-emergency treatment outside of Singapore.

Yes, you can purchase a Singtel Hospital Cash Insurance Policy even if you already have a health insurance policy. It is designed to complement your existing coverage by providing additional financial support during hospital stays. The benefits of a Hospital Cash Insurance Policy are separate and independent of your health insurance coverage

No, a medical examination is not required.

Yes, you can select the coverage you need based on our 3 plan types Classic, Deluxe and Premier. You can also opt for the optional add-on which offers triple your daily hospital cash benefit.

You may contact our Customer Care hotline at +65 6887 8777 or email them at customer.service@etiqa.com.sg to upgrade your coverage.

No, you may only claim the benefit from one policy. If you wish you enjoy more coverage, do purchase a higher-tier plan instead.

This policy has a free look period of 14 days. Cancellation is free during this period. If you choose to cancel after the free look period, we will refund 80% of the pro-rata premium for the unexpired period provided no claim has been made, subject to a minimum administrative fee of S$50 (before GST).

You may contact our Customer Care hotline at +65 6887 8777 or email them at customer.service@etiqa.com.sg to submit a claim.