What is TMCare Mini Group Hospital & Surgical insurance?

It is an all-inclusive health insurance solution for companies holding a group of 4 to 50 employees aged 65 and below. It offers:

  • Death benefit of $5,000
  • Options to customise employee benefits and coverage to your needs. This includes coverage for:
    • Major medical treatment
    • Out-patient cancer treatment
    • Out-patient kidney dialysis 


Opt to add on optional benefits offering wider protection to a standard benefit plan:

  • Standard benefits
    • Death benefit of $5,000
    • 12 diverse medical benefits offering your employees complete medical support
  • Optional benefits
    • Out-patient cancer treatment
    • Out-patient kidney dialysis treatment

Key coverage

Here is an overview of your coverage

Standard benefits

Standard benefits

  • Hospital room charges
    Covers normal ward, board room and intensive care ward charges. There is no deductible and no limit on the number of days hospitalised.
  • Covers costs for miscellaneous services
    This includes expenses for:
    • In-hospital doctor’s visit
    • Drugs and medicine
    • Laboratory tests and administration
    • Blood or blood plasma
    • Ambulance fees and more
  • Surgical procedures
    This covers surgical procedures (including day surgery) without regard to a surgical schedule, commonly imposed in other health and surgical insurance.
  • Pre-hospitalisation treatment
    • Covers specialist fees for consultation, pathology and radiography following referral from a general practitioner.
    • This benefit will not apply if the insured person is not hospitalised or surgically treated subsequent to the diagnosis.
  • Post-hospitalisation treatment
    Covers follow-up treatment by the same physician up to a period of 90 days immediately following hospital discharge.
  • Emergency dental treatment
    Covers expenses incurred to restore or replace teeth lost or damaged by an accident.
  • Pays for treatment expenses for emergency accidental outpatient treatment
    • Treatment of accidental injuries must occur within 24 hours of the accident.
    • Covers treatment of injuries by a Chinese physician subject to a limit of $200 per accident. Bone fractures not included.
  • Emergency illness outpatient treatment
    This covers costs for emergency outpatient treatment between 11pm and 7am of the same day.
  • Special grant
    This is payable if an insured person dies from an injury or illness during or after treatment or surgery.
  • Medical report fee
    This pays for costs of obtaining medical reports.
  • Daily hospital income
    If an insured person is hospitalised in a government hospital, an allowance will be paid for each day of hospitalisation for up to 30 days.^
^ A time excess of forty-eight (48) hours is applicable to the benefit.
Optional benefits

Optional benefits

  • Cover for major medical treatment
    This pays 80% of the medical expenses incurred after the limits under the basic plan have been exhausted
  • Expense cover for out-patient cancer & out-patient kidney dialysis treatment
    No deductible or co-insurance is imposed under this add-on cover

How much is my premium?

Your premium may vary, depending on:

  • Your coverage amount
  • Our underwriting requirements

Download our proposal & health declaration form under the Product Literature.

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What we don’t cover

  • Any known medical condition which has occurred before the issuance of the policy.
  • Hospitalisation or surgical charges incurred for the treatment of congenital abnormalities or physical defects that have been in existence since birth.
  • Out-patient treatment that is not related to in-patient treatment or day surgery except where it is resulting from an accident.
  • Hospitalisation primarily for diagnosis, x-ray examinations, general physical or medical check-up.
  • Treatment for obesity, weight reduction, correction of vision, prostheses and cosmetic, plastic and implants surgery.
  • Payment for medical appliances, spectacles, lenses, hearing aids, wheel chairs.
  • Sexually transmitted diseases or communicable diseases requiring isolation or quarantine.
  • Treatments for pregnancy-related matters and miscarriage (except as a result of an accident).
  • Injury resulting from war and terrorism.
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

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