Freshmen 2008– 1 July 2008 to 30 June 2009

Eligibility

• Full-time local and international undergraduate students
• International exchange students (excluding local exchange students)
• Other students who have paid the insurance premium (Incorporated in the fees)

PERSONAL ACCIDENT COVERAGE

• Accidental Death — S$20,000 per student
• Accidental Permanent Disablement — up to S$30,000 per student
• Outpatient Accident Medical Reimbursement — S$2,000 per student
• Physiotherapy Reimbursement — $750 per student
• 24-hour worldwide coverage

Please click here for coverage details and exclusion list.

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 within 30 days after each treatment and follow-up with your supporting documents for claims when available
• Expenses shall be reimbursed by AXA Insurance Singapore Pte Ltd.
• A referral letter from your GP (for Specialist Treatment) or your Specialist (for X-ray & Diagnostic Services) 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 Life
• Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 2–3 months

OUTPATIENT CONSULTATION COVERAGE

• Your visits to the SMU City Campus clinic, approximately 150 other clinics (click here for panel listing) and the Government polyclinics are reimbursable
• You can claim for consultation, standard medication and treatment

Please click here for coverage and exclusion details.

Claim Procedures

For Referrals to a Government/Restructured Hospital for Specialist Treatment and/or Hospitalisation/Surgery

• If you are referred by the SMU City Campus clinic or 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.

SMU City Campus Clinic and Panel Clinics

• Produce your SMU student card upon registration
• No payment is required at the clinic for consultation and standard medication for a insurance covered medical condition
• You may have to top-up for non-standard medicine

Polyclinics and Hospital A&E Department

• You are required to submitted your claim within 30 days after each treatment
• If the above is not possible, please give your notice of claim via email within 30 days after each treatment and follow-up with your supporting documents for claims when available
• Expenses shall be reimbursed by AXA Insurance Singapore Pte Ltd
• Submit the duly completed claim form and all original bills/receipts to the Office of Student Life
• Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 2–3 months

OUTPATIENT SPECIALIST CONSULTATION COVERAGE

• Outpatient specialist, X-ray and diagnostic services are reimbursable, on the condition that
• the treatment is recommended by our listed panel of general practitioners or
• it is a follow-up treatment as referred by SMU's previous appointed medical provider

Claim Procedures

• Claim form must be submitted within 30 days after each treatment
• If the above is not possible, please give notice of claim via email within 30 days after each treatment and follow-up with your supporting documents for claims when available
• Expenses shall be reimbursed by AXA Insurance Singapore Pte Ltd.
• A referral letter from your GP (for Specialist Treatment) or your Specialist (for X-ray & Diagnostic Services) must be obtained
• Submit your duly completed claim form, all original bills/receipts and the aforesaid referral letter to the Office of Student Life
• Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 2–3 months
  

HOSPITALISATION & SURGICAL COVERAGE

Hospitalisation expenses incurred in government/restructured hospitals.

Please click here for coverage and exclusion details.

Claim Procedures

• Your claim form must be submitted within 30 days after each treatment
• If the above is not possible, please give notice of claim via email within 30 days after each treatment and follow-up with your supporting documents for claims when available
• Expenses shall be reimbursed by AXA Insurance Singapore Pte Ltd
• Submit your duly completed claim form, all original bills / receipts / admission form / hospital discharge summary and referral letter to the Office of Student Life
• Upon receipt of all relevant documents by the insurer, reimbursement for approved claims will be credited into the student's bank account within 2–3 months