Medical Insurance

SMU Student Medical Insurance

Insurance Provider: Income Insurance Limited
Insurance Broker: Mercer Marsh Benefits
Policy Period: 1 July 2025 to 30 June 2026
 

ELIGIBILITY

Registered active students of Singapore Management University (SMU):

1. Full-time local and international Undergraduate students
2. Full-time and part-time local and international Postgraduate students
3. Full-time Non-graduating students (e.g. International exchange and global summer programme students)
4. Local NSMen who have matriculated as SMU students
5. Other student groups included or excluded as defined by SMU

IMPORTANT: 

Cessation of the student insurance coverage is based on a student's graduation date*. 

*The day the dean clears the graduation list is the official graduation date. Please note that the graduation date is NOT the same as commencement date.

NOTE:

• Students of the Singapore Universities Student Exchange Programme (SUSEP) will be covered under their home university.
• Students of the SMU-SUTD Dual Degree Programme will be covered under SUTD.
• Local refers to Singaporeans or Singapore Permanent Residents.
• All full time SMU matriculated undergraduates, postgraduates and non-graduating students will need to subscribe to the university medical and travel insurance schemes. These are compulsory schemes with no opt-out option. Paid premiums are non-refundable.
   

INSURANCE COVERAGE

All eligible students are covered under the medical and personal accident insurance plans listed below. 
For more information, please refer to the respective Product Summary & Schedule of Benefits and FAQs.

> Student Medical Insurance FAQs
 

Benefits You App (BYA)

The Benefits You App (BYA) is a collaboration with Mercer Marsh Benefits (MMB), SMU's insurance broker, for an easier and more convenient way for students to manage their insurance claims, health and wellbeing - anytime, anywhere.

Students are highly encouraged to download and enrol onto BYA for access to the student medical insurance benefits or to submit medical insurance claims, if any.

Features of the Benefits You App (BYA) to meet your medical insurance needs:

• Access your medical insurance benefits
• Use your medical e-card for cashless visists at panel GP clinics
• View the full list of panel GP clinics
• Submit and track your medical insurance claims
• Apply for a Letter of Guarantee (for hospitalisation at government restructured hospitals)
• Get the latest news and tips on health, mindfulness and wellbeing
• Use built-in tools to track appointments, manage medications and more

Follow the steps below to download and enrol onto BYA:

1. Download the Benefits You App (BYA) from the App Store or Google Play.
2. Register as a user using your full name, SMU email address and company code: SMUSG2539.

For more information and assistance on the set-up of BYA, refer to the BYA Guide.

For app issues or technical support, contact the MMB Team at benefitsyouasia@mercermarshbenefits.com 

 GroupCare@Income app (for telemedicine)

Consultations with panel GP clinics via telemedicine are only applicable through the GroupCare@Income app. Follow the steps below to download and enrol onto the GroupCare@Income app.

1. Download the app from the Apple App Store or Google Play Store
2. Register as a user using your full name and SMU email address
3. Log-in to access the app
4. On the home screen, select the 'Telemedicine' function
5. Complete the required details before proceeding to use the telemedicine service

For more information and assistance on the set-up of GroupCare@Income, refer to the GroupCare@Income Guide.

SUBMISSION OF CLAIMS
 

All claims must be submitted together with the relevant supporting documents via the Income Claims e-portal in the Benefits You App (BYA). All claims will be reviewed by the insurer and subjected to the policy limits, terms and conditions.
 

Follow the steps below to submit your claims via BYA:

1. Access BYA > Benefits > Medical
2. Under Income - Submit Medical Insurance Claims, select the 'Website' button
3. Select 'Create New Claim' to file your claim

4. Complete the information / details of your claim and submit together with the relevant supporting documents

IMPORTANT:

• Claims must be submitted within 30 days of treatment date. Late claims may not be processed.
• Claimant must use their full name as per NRIC/FIN/Passport No. and SMU email in their claims submission and correspondence.
• The original invoices and receipts should be kept for one (1) year and provided upon request by the insurer.
• The student’s Singapore bank account details must be entered in the app/portal when submitting a claim. The details required include account number, bank code and branch code. Please do not provide bank details belonging to another party (who is not the claimant).
• Exception is made for certain groups of students who may not have a bank account in Singapore (e.g. Exchange students). An uncrossed cheque will be issued for the student to encash at a Singapore bank.

Documents / information required for claims submission:

• Claimant's personal and contact information

• Scanned / softcopies of supporting documents (where applicable) including, but not limited to:

  - Hospital bill / invoice
  - Medical receipt
  - Medical report
  - Medical certificate
  - In-patient discharge summary
  - Incident report
  - Police report
  - Referral letter

• Claimant's bank account information (for reimbursement of approved claims via GIRO)
   
   

POLICY & CLAIM ENQUIRIES

Mercer Marsh Benefits Customer Service Consultant (Primary Contact)

Monday to Friday (excluding public holidays)
8:30am to 5:30pm
Telephone: +65 6797 9613 (Enter Client ID: 2539)
Email: eh&b@mercermarshbenefits.com 
 

Income (Secondary Contact)

Telephone: +65 6305 4573
Email: groupcare@mhcasiagroup.com