Student Insurance Scheme
Eligibility
  • Full-time local and international matriculated students, including students from overseas universities on exchange at SUTD.

Validity
  • 1 August 2012 to 31 July 2014

Insurance coverage details and exclusion list
The coverage will be subject to the Terms and Conditions of the insurer’s Policy.

After being matriculated, you will be able to use the AIA IHS Card at the panel GP clinics to enjoy the Group Outpatient Scheme.

Personal Accident Coverage
Claim Procedures
  • Claim form must be submitted within 30 days after each treatment. If the above is not possible, please give a notice of claim via email to stevelcf@aia.com.sg within 30 days after first treatment and follow-up with your supporting documents for claims when available
  • Approved Expenses shall be reimbursed by AIA Singapore Pte Ltd
  • A referral letter from your GP (for Specialist Treatment) or your Specialist (for X-ray & Diagnostic Services) or your GP/Specialist (for Physiotherapy) must be obtained
  • Submit your duly completed claim form, all original bills/receipts, hospital discharge summary (for hospitalisation, surgery or day surgery done at government/restructured hospitals) and the aforesaid referral letter to the Office of Student Administration
  • Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 1 to 2 months

Outpatient GP Coverage
Claim Procedures
For Referrals to a Government/Restructured Hospital for Specialist Treatment and/or Hospitalisation/Surgery
  • If you are referred by a Panel Clinic, you are considered a Private patient
  • To qualify as a subsidised patient, you must be a Singaporean or Singapore PR, referred by a polyclinic and without reference to a Specialist by name

Panel Clinics
  • Produce your AIA IHS card upon registration
  • No payment is required at the clinic for consultation and standard medication for an insurance covered medical condition
  • You may have to top-up for non-standard medicine or pay a surcharge for visit after normal clinic operating hours
  • Please note that X-rays and tests and Physiotherapy referred by a GP is not covered

Polyclinics and Hospital A&E Department
  • Claim form must be submitted within 30 days after each treatment
  • If the above is not possible, please give a notice of claim via email to stevelcf@aia.com.sg within 30 days after first treatment and follow-up with your supporting documents for claims when available
  • Approved Expenses shall be reimbursed by AIA Singapore Pte Ltd
  • Submit the duly completed claim form and all original bills/receipts to the Office of Student Administration
  • Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 1 to 2 months.

Outpatient Specialist Coverage
A referral letter from a Panel GP, Polyclinic or a Government/Restructured Hospital A&E is required.
Claim Procedures
  • Claim form must be submitted within 30 days after each treatment
  • If the above is not possible, please give a notice of claim via email to stevelcf@aia.com.sg within 30 days after first treatment and follow-up with your supporting documents for claims when available
  • Approved Expenses shall be reimbursed by AIA Singapore Pte Ltd
  • A referral letter from your GP (for Specialist Treatment) or your Specialist (for X-ray & Diagnostic Services) or your GP/Specialist (for Physiotherapy) must be obtained
  • Submit your duly completed claim form, all original bills/receipts and the aforesaid referral letter to the Office of Student Administration
  • Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 1 to 2 months.

Hospitalisation & Surgical Coverage
Hospitalisation expenses incurred in government/restructured hospitals.
Claim Procedures
  • Claim form must be submitted within 30 days after each treatment
  • If the above is not possible, please give a notice of claim via email to stevelcf@aia.com.sg within 30 days after first treatment and follow-up with your supporting documents for claims when available
  • Approved Expenses shall be reimbursed by AIA Singapore Pte Ltd
  • Submit your duly completed claim form, all original final bills / receipts / admission form / hospital discharge summary and referral letter to the Office of Student Administration
  • Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 1 to 2 months.

Hospital Admission (Letter of Guarantee - Waiver of Deposit)
  • A Letter of Guarantee (LOG-Waiver of Deposit) can be issued for hospitalisation/surgery that is likely to be covered under the insurance scheme
  • With the LOG-Waiver of Deposit, the cash deposit will be waived at admission
  • Please forward the Letter of Admission/Day Surgery Authorisation Form/Financial Counselling Documents issued by the hospital during financial counselling to AIA at least 1 week in advance to request for the LOG-Waiver of Deposit
  • For emergency situations, please contact AIA as soon as possible to request for the LOG-Waiver of Deposit or settle the bill and seek reimbursement later
  • Please note that the insurer reserves the right to review the claim documents submitted to determine if the medical expenses are covered
  • LOG-Waiver of Deposit will not be issued for medical treatment that is likely not covered
  • Please note that for local students, as their coverage is $50/day for room & board and sub-limits for surgery and other hospital expenses, they are likely to have to pay the cash deposit/settle part of the bill if they stay in a higher ward or their medical costs exceed the policy limits. This will be determined by the hospital.

For enquiries on Insurance Coverage, Claims Status and Procedures, please contact:

Steve Loh of SP Andy How
Financial Services Consultant
Authorised representative of AIA Singapore

Mobile: +65 8468 3360
Office: +65 6349 6821
24hr Hotline: +65 6248 8328
Fax: +65 6786 6447
Email: stevelcf@aia.com.sg