SICOM

Accident&Health

Accident & Health

As an employer, you must be acquainted with the various hazards in terms of accidents and sickness that might impact negatively on your employees' emotions and physical well-being.

About this product

Opting for SICOM'S Group Personal Accident and our Group Medical & Surgical Schemes will offer tailor-made solutions to assist you in maximising the efficacy of your risk management programs to safeguard both your employees and their dependents.

Highlighted features
  • Inpatient & Outpatient Benefits

    Cover when the insured patient is treated

  • Death Benefits

    100% of the Sum Insured is payable

  • Overseas treatment

    Covers costs of treatment which has to be done abroad

Product Features

Choose SICOM Group Medical Covers & benefit from:

  • Inpatient Benefits

    Covers costs when the insured person is admitted as an inpatient in a clinic either for surgical treatment or medical treatment.

  • Outpatient Benefits

    Covers costs such as consultations, medicine, optical costs, dental costs and also a number of specified chronic diseases when the insured person is treated as an outpatient.

  • Overseas Treatment

    Covers the costs of treatment which has to be done abroad such as airfare, hotel accommodation, taxi and also airfare and hotel for an accompanying person

  • Childbirth

    Covers the medical costs associated with pregnancy and childbirth

  • Death Benefits

    100% of the Sum Insured is payable

  • Permanent Total Disablement

    100% of the Sum Insured is payable

  • Permanent Partial Disablement

    A % of the Sum Insured according to the degree of permanent disablement

  • Temporary Total Disablement

    A weekly benefit is paid if the employee is unable to attend work

( Terms and conditions apply)*

Useful Information

We have several Schemes to cater for the refund of medical as well as surgical costs incurred by employees and their dependents, and this, against a competitive contribution.  The differentiation among the various Schemes lies in the scope of the coverage and also the limit of the Sum Insured.

The contribution of employees to the National Savings Fund can be utilized towards the payment of the monthly contribution.

In general, benefits fall under the following categories:

 Inpatient benefits
Covers costs when the insured person is admitted as an inpatient in a clinic either for surgical treatment or medical treatment

Treatment abroad
Covers the costs of treatment which has to be done abroad. Covers airfare, hotel accommodation, taxi and also airfare and hotel for an accompanying person.

Outpatient benefits
Covers costs when the insured person is treated as an outpatient. Covers consultations, medicine, optical costs, dental costs and also a number of specified chronic diseases.

Childbirth section
Covers the medical costs associated with pregnancy and childbirth.

The actual Benefits insured will vary according to the Scheme chosen.

The amount refundable will be equal to a percentage (usually in the range of 80% - 90%) of the expenses incurred, subject to limits per item in the Table of Benefits of the  Policy.

In the case of surgical interventions, the refund will consist of 100% of expenses incurred, subject to the limits per item as specified in the Table of Standard Benefits.

Benefits are payable in case of Accidental bodily injury causing Death or Disablement.  This group policy is available during working hours only or on a 24-hour basis.  Cover is usually on a worldwide basis.

The policy provides for the payment of benefits in case of bodily injury arising out of an accident caused by violent, accidental, external and visible means and resulting in any of the following:

Death
100% of the Sum Insured

Permanent Total Disablement
100% of the Sum Insured

Permanent Partial Disablement
A percentage of the Sum Insured according to the degree of permanent disablement

Temporary Total Disablement
A weekly benefit is paid if the employee is unable to attend work

Medical Expenses
Medical expenses incurred are reimbursed up to the limit insured

 

Benefits Sum Insured can be either a fixed amount or linked with salaries

 

Eligibility

The policy applies to groups of persons, such as employees of a corporate entity or members of an association


Highlighted features
  • Inpatient & Outpatient Benefits

    Cover when the insured patient is treated

  • Death Benefits

    100% of the Sum Insured is payable

  • Overseas treatment

    Covers costs of treatment which has to be done abroad

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This product is offered by: SICOM General Insurance Ltd

BRN:C10094766

FSC License No: IS10000004