TMCare Individual Hospital & Surgical

Hospitalisation & surgical benefits

• Hospital room charges
  Covers normal ward room and board charges, intensive care ward charges incurred. There is no deductible and no limit on the number of days hospitalised.
• Miscellaneous services
  This pays for expenses in respect of in-hospital doctor’s visit, drugs, medicine, laboratory tests, administration and the cost of blood or blood plasma, ambulance fees etc.
• Lodger benefit
  For a child not more than 12 years of age, it pays for the expenses incurred for an adult required to accompany the insured person during hospitalisation due to an accident or illness.
• Surgical procedures
  This covers (including day surgery) without regard to a surgical schedule that is commonly imposed in other health and surgical insurance.
• Specialist consultation, examination and laboratory test
  Covers specialist fees in respect of 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 discharge from hospital.
• Emergency dental treatment
  This pays for dental treatment expenses needed to restore or replace teeth lost or damaged by an accident.
• Emergency accidental out-patient treatment
  This covers expenses for emergency out-patient treatment of accidental bodily injuries received within 24 hours of the accident. It will also pay for treatment for injuries (other than bone fractures) by a Chinese physician subject to a limit of $200 per accident.
• Emergency illness out-patient treatment
  This pays for expenses for emergency out-patient treatment between 12am and 6am of the same day at a hospital.
• Emergency medical evacuation and repatriation
  • This operates only when the insured person is overseas. It pays for expenses incurred for air and/or surface transportation, medical care during transportation and other ancillary charges incurred in moving the insured person to the nearest hospital.
  • In the event of death, it pays for the expenses incurred to transport the insured person’s mortal remains back to the country of residence or cost of burial/cremation at the place of death.
• Accidental miscarriage
  This pays for charges incurred for emergency treatment for miscarriage due to an accident.  Treatment should be sought within 24 hours of the accident.
• Special grant
  This is payable if an insured person dies from an injury or illness during or after treatment at a hospital or in day surgery.
• Organ transplant
  This pays for the cost for surgical transplant of the heart, lung, kidney, liver and bone marrow performed in a hospital. However, it excludes the cost of acquiring the organ and cost incurred by the donor.
• Out-patient cancer treatment & out-patient kidney dialysis treatment
  This covers the expenses incurred in respect of out-patient cancer treatment and/or out-patient kidney dialysis treatment.
• Medical report fee
  This pays for costs of obtaining medical reports in respect of eligible medical claims under the policy.
• Daily hospital income
  If an insured person is hospitalised in a government or government restructured hospital (excluding National University Hospital) due to a disability covered under this policy, an allowance will be paid for each 24-hour period of hospitalisation up to thirty (30) days. A time excess of forty-eight (48) hours is applicable to this benefit.
• Home nursing
  This covers home nursing provided by a registered nurse immediately following the insured person’s discharge from hospital if it is considered necessary by the attending physician.