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Ngee Ann Polytechnic School of Health Sciences (Nursing)


Group Hospitalisation & Surgical Insurance (GHSI) With Outpatient Extension for Clinical Attachment Incidents for Local and International Students

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Ngee Ann Polytechnic School of Health Sciences (Nursing)


Group Hospitalisation & Surgical Insurance (GHSI) With Outpatient Extension for Clinical Attachment Incidents for Local and International Students

Managed by MYCG & Partners Pte Ltd
Underwritten by Income Insurance Limited

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What is Covered?


The insurance covers full-time and part-time local and international nursing students of Ngee Ann Polytechnic (who are part of the student headcount declared by NP) for reasonable expenses incurred for medically necessary outpatient (as specified in the table of benefits), hospitalisation and/or surgery treatment of illness or injury in a Singapore Government Restructured Hospital subject to the policy limits, terms and conditions.

What is Covered?


The insurance covers full-time and part-time local and international nursing students of Ngee Ann Polytechnic (who are part of the student headcount declared by NP) for reasonable expenses incurred for medically necessary outpatient (as specified in the table of benefits), hospitalisation and/or surgery treatment of illness or injury in a Singapore Government Restructured Hospital subject to the policy limits, terms and conditions.

Benefit Table

For details of coverage and exclusions, please refer to the GHS Fact Sheet here:

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Letter of Guarantee (LOG)


A LOG is a document issued by the insurer to guarantee hospitalisation/surgery expenses. It is not valid for pre or post hospitalisation/surgery or outpatient expenses. With a LOG, the hospital will waive the cash deposit and payment of the hospital bill up to the policy limits and subject to the policy terms and conditions. The hospital will bill the insurer directly. The student will have to pay to the hospital any amount not covered by the insurance after the hospital bill is finalised.

Letter of Guarantee (LOG)


A LOG is a document issued by the insurer to guarantee hospitalisation/surgery expenses. It is not valid for pre or post hospitalisation/surgery or outpatient expenses. With a LOG, the hospital will waive the cash deposit and payment of the hospital bill up to the policy limits and subject to the policy terms and conditions. The hospital will bill the insurer directly. The student will have to pay to the hospital any amount not covered by the insurance after the hospital bill is finalised.

Apply for LOG

 

The LOG is not applicable for treatment outside Singapore. For treatment overseas, please pay first and submit a claim for reimbursement.

 

Step 1

Complete this form and submit to MYCG at least 5 working days before the scheduled hospital admission/surgery. For emergency admission, please contact MYCG as soon as possible.

Step 2

Email these documents to claims@mycg.com.sg:

  1. Copy of Referral Letter from GP to Specialist, if any

  2. Copy of *Financial Counselling/ Admission Form/ Estimated Bill/ Day Surgery Authorisation Form

*The hospital will give these documents to the patient when the admission date is confirmed/during the financial counselling session. The documents will contain the estimated bill, diagnosis and treatment information - this information is required to process the LOG.

Step 3

The LOG will be emailed to the hospital 1 day prior to admission after it is approved by the insurer. A copy will be emailed to the student.

Important!
Please note that issuance of the LOG does that guarantee that the medical expenses are covered. The LOG is issued for the student's convenience so that he/she does not have to pay the deposit/bill on discharge . The student must submit the full claim documents for the insurer to review after discharge from the hospital. If the claim is not admissible, the student must pay the hospital or reimburse the insurer.

 

Step 4

Upon discharge from the hospital, please email the following documents to groupclaim@income.com.sg and cc claims@mycg.com.sg:

  1. Discharge Summary

  2. Pre and Post hospitalisation/surgery bills

  3. Third party Settlement Letter if any

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Claims


If you have incurred medical expenses, please submit a claim for processing within 30 days of the date of the incident or treatment, whichever is earlier.

Claims


If you have incurred medical expenses, please submit a claim for processing within 30 days of the date of the incident or treatment, whichever is earlier.

How to make a claim?

 

Step 1

Complete the Group Hospital & Surgical Claim Form.

Step 2

Prepare/obtain the following documents:

Please note that the list of documents above is not exhaustive. Other documents may be required after the insurer has assessed the claim.

Step 3

Email the documents to groupclaim@income.com.sg and cc claims@mycg.com.sg.

Note:

  • Original invoices and receipts must be kept for 6 months from the date of treatment and provided to the insurer on request.

  • Generally, claims will be processed within 30 days upon receipt of complete documents/ information.

  • Notification of the result of the claim or request for documents/information will be sent to the student’s email address stated on the claim form.

  • Approved medical expense claims will be credited into the student’s bank account.

  • For death claims, please contact MYCG.

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Government Restructured Hospitals & Specialist Clinics


The GHSI covers treatment at a Singapore Government/Restructured Hospital and/or Specialist Outpatient Clinic. Please note that treatment at PRIVATE Hospitals will not be covered.

Government Restructured Hospitals & Specialist Clinics


The GHSI covers treatment at a Singapore Government/Restructured Hospital and/or Specialist Outpatient Clinic. Please note that treatment at PRIVATE Hospitals will not be covered.

Important - Please note that the following are NOT COVERED:

  1. Some hospitals (eg. KK Hospital) may have both an A&E Department and a 24 hour walk-in clinic. The A&E staff may also refer you to the 24 hour walk-in clinic. Please note that treatment at the 24 hour walk-in clinic (a specialist clinic) is not covered without a referral.

  2. Some specialist centres (eg. SNEC) may operate clinics at a Private Hospital (eg. Gleneagles Hospital). Please note that treatment at a Private Hospital Clinic is not covered.


Alexandra Hospital

378 Alexandra Road
Singapore 159964
Tel 6379 4383
http://www.alexhosp.com.sg/

Changi General Hospital

2 Simei Street 3
Singapore 529889
Tel 6788 8833
http://www.cgh.com.sg/

Institute of Mental Health/ Woodbridge Hospital

Buangkok Green Medical Park
10 Buangkok View
Singapore 539747
Tel 6389 2000
http://www.imh.com.sg/

 

Khoo Teck Puat Hospital

90 Yishun Central
Singapore 768828
Tel 6555 8000
http://www.ktph.sg/main/home

KK Women's And Children's Hospital

100 Bukit Timah Road
Singapore 229899
Tel 6293 4044
http://www.kkh.com.sg/

National University Hospital

5 Lower Kent Ridge Rd
Singapore 119074
Tel 6779 5555
http://www.nuh.com.sg/

 

Singapore General Hospital

Outram Rd
Singapore 169608
Tel 6222 3322
http://www.sgh.com.sg/

Tan Tock Seng Hospital

11 Jalan Tan Tock Seng
Singapore 308433
Tel 6256 6011
http://www.ttsh.com.sg/

Ng Teng Fong General Hospital

1 Jurong East Street 21
Singapore 609606
Tel: +65 6716 2000
https://www.ntfgh.com.sg/

 

Seng Kang General Hospital

110 Sengkang E Way
Singapore 544886
Tel: +65 6930 5000
https://www.skh.com.sg/

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Contact


Contact


The insurance is underwritten by Income Insurance Limited.


MYCG & Partners Pte Ltd

+65 8118 6924
+65 9336 0159 (medical emergencies only)

claims@mycg.com.sg
www.mycg.com.sg/np-hs

Operating Hours
Monday to Fridays
9 am to 5 pm