Hospitalization & Surgical Insurance

Medical cost for foreigners is not subsidized by the Singapore public healthcare system and may run very high if one needs to be hospitalised or undergo surgery while studying in Singapore. To assist our students, SSTC School for Further Education provides protection to our students for hospitalisation and surgery with its Group Hospitalisation & Surgical Insurance, in full compliance with the guideline set by CPE (Council for Private Education) for EduTrust. SSTC’s insurance for students covers up to S$20,000.00 (annual limit per person), which is sufficient for students in most cases. The Hospitalisation & Surgical insurance coverage is compulsory for international students. Singaporean/PR students are exempted from the insurance coverage if they are already covered by their own medical insurance plan.

What is covered

• It covers hospitalisation and day surgery.
• It doesn’t cover any pre-existing illness.
• It doesn’t cover outpatient treatments unless they are:
  • for follow up treatment related to a hospitalisation/day surgery and incurred within 90/60 days prior to or after the hospitalisation or day surgery;
  • for emergency outpatient treatments due to accidents within 24 hours of the accident;
• GP (General Practitioner) bills are not claimable.

Scope of Coverage

• B2 ward entitlement in Government Restructured Hospitals.
• Ability to upgrade to higher wards or private hospitals subject to pro-rated factors.
• Annual Limit of $20,000 per student on “As Charged” basis.

Payment of the Claim Amount

The insurance company (AXA Insurance) will pay on a reimbursement basis which means the student will have to pay the hospital first and submit all original hospital bills for reimbursement. The student will then  be refunded for the eligible claim amount, by cheque.

How to Make Claims

All claims have to be made on prescribed forms and submitted to AXA Insurance within one month or as soon as reasonably possible, together with all the original copies of final medical bills. The following documents are needed to make a claim:

• Combined Claim Form with Medical Certification of Treatment
• Final hospital/medical bills & receipts
• Medical reports, if available
• Hospital discharge summary
• Referral Letters, if available

More information can be obtained from the Insurance Provider:

AXA Insurance Singapore Pte Ltd
143 Cecil Street
#01-01 GB Building
Singapore 069542
Tel: 6338 7288 Fax: 6338 2522