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SMU Student Insurance


For active students of Singapore Management University from 1 July 2019 to 30 June 2020.

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SMU Student Insurance


For active students of Singapore Management University from 1 July 2019 to 30 June 2020.

Managed by MYCG & Partners Pte Ltd
Underwritten by NTUC Income Insurance Co-operative Ltd

(photo source: The Straits Times)


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 Graduate students

  3. Full-time Non-graduating students

  4. Local NSMen who have matriculated as SMU students

  5. Other student groups included or excluded as defined by SMU

 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.

  • Cessation of the student insurance coverage is based on a student's graduation date. Please note that the graduation date is NOT the same as commencement date.

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"GroupCare@Income" Mobile App & Web Portal


New for AY2019!
Features include e-Card for visit at panel clinics, find panel clinics, submit claims, track claims, apply for LOG, chat with “Ask Joey” etc.

"GroupCare@Income" Mobile App & Web Portal


New for AY2019!
Features include e-Card for visit at panel clinics, find panel clinics, submit claims, track claims, apply for LOG, chat with “Ask Joey” etc.

For first time user, please click “Register” to set-up your account before you can log in and use the app and portal.


Download the App from the Apple App Store or Google Play Store using your mobile phone

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Or log in via the Portal
www.groupcareincome.com.sg


For more information on how to use the mobile app, download the User Guide:

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e-Card & Panel Clinics


Show your e-Card and SMU Student Card to the clinic staff at panel clinics for cashless visit. You may have to top-up for non-standard (non-generic) medicine and surcharge after normal clinic operating hours.

e-Card & Panel Clinics


Show your e-Card and SMU Student Card to the clinic staff at panel clinics for cashless visit. You may have to top-up for non-standard (non-generic) medicine and surcharge after normal clinic operating hours.

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Log in to view e-Card in app

Before you visit a Panel Clinic

  • always check that the clinic is on the panel

  • and the clinic’s operating hours

  • you may wish to contact the clinic to confirm their operating hours before your visit


Here is a softcopy list of panel clinics. Although the list will be updated monthly, please note that it may not include changes made (eg. removal of clinic) since the list was last uploaded. Please always check the app before your visit to ensure that the clinic is on the panel at the time of your visit - if you are asked by a clinic that is no longer on the panel to pay, the claim may not be admissible. You may also wish to contact the clinic before visiting in case there are changes eg. change in operating hours.

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Coverage


Below is a summary of the insurance coverage. Please download the fact sheets for the details.

Coverage


Below is a summary of the insurance coverage. Please download the fact sheets for the details.

All eligible students are covered under the following plans:

  1. Group Outpatient Primary Care (GP)

  2. Group Outpatient Specialist Care (SP)

  3. Group Hospital & Surgical (GHS)

  4. Group Personal Accident (GPA)


Group Outpatient Primary Care (GP)

  • Covers treatment by a General Practitioner (GP) for illness and injury, including consultation, prescribed standard medicine and basic x-ray and lab tests.

  • The student may have to top-up for non-standard medicine and surcharge after normal clinic operation hours.

  • Log in to the Groupcare@Income mobile app to obtain your e-card and view the list of panel clinics.

  • Show your e-card and SMU Student Card at panel clinics for cashless visit.

  • Covers treatment in Singapore only.

For details and exclusions, please refer to the GP Fact Sheet here:


Group Outpatient Specialist Care (SP)

  • Covers treatment by a Specialist for illness and injury, including consultation, prescribed medicine and diagnostic tests. Referral by a GP is required.

  • For follow-up treatment, please submit a copy of the appointment card at time of claim.

  • Covers treatment in a Singapore Government Restructured Hospital Specialist Outpatient Clinic (SOC) only. Refer to the SP Fact Sheet for the list of Singapore Government Restructured Hospitals / SOCs.

  • Extends to cover an international student who returns to his/her home country for treatment. Charges incurred overseas will be covered up to overseas charges or B1 charges in a SOC, whichever is lower.

  • Covers outpatient physiotherapy at a SOC with referral by a Specialist.

  • Covers outpatient mental health treatment by a psychiatrist, psychologist and/or neurologist in a SOC or Private Specialist Clinic. Medical expenses incurred in a private specialist clinic shall be reimbursed up to 50% of the eligible expenses. Referral by a medical practitioner or SMU counsellor is required.

For details and exclusions, please refer to the SP Fact Sheet here:


Group Hospital & Surgical (GHS)

  • Covers reasonable expenses incurred for medically necessary hospitalisation and/or surgery treatment of illness or injury in a Singapore Government Restructured Hospital.

  • Covers emergency treatment while overseas and international students who return to their home country for treatment. Charges incurred overseas will be covered up to overseas charges or B1 charges in a Singapore Government Restructured Hospital, whichever is lower.

  • Refer to the GHS Fact Sheet for the list of Singapore Government Restructured Hospitals / SOCs.

  • Apply for Letter of Guarantee (LOG) at least 5 working days before hospitalisation/surgery, via the app/portal.

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


Group Personal Accident (GPA)

  • Pays upon death, permanent disablement and reasonable and necessary medical expenses for treatment of injury caused solely by an accident and not arising from sickness or pre-existing medical conditions.

  • 24 hours worldwide cover.

For details and exclusions, please refer to the GPA 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


Step 1

Click on the “Letter of Guarantee” icon in the app/portal and complete the online form at least 5 working days before the scheduled admission/surgery.

Step 2

Upload the following documents:

  1. Care Cost Form / Financial Counselling Form / Admission Form / Day Surgery Authorisation Form - The hospital will give these documents to the patient when the admission date is confirmed. It should contain the diagnosis, name of surgery (if any) and estimated bill.

  2. Completed Authorisation Form - this authorises the hospital to release medical information to the insurer for assessment of the case.

  3. Referral letters, tests reports etc. if any

Step 3

For emergency hospitalisation/surgery, please call 6305 4573 after submitting the online form.

 

Step 4

The insurer will assess the case.

Step 5

View status of the LOG in the app/portal. If approved, the LOG will be forwarded to the hospital. Student can view a copy in the app/portal.


LOG request may NOT be approved for the following reason(s):

  • Late notification to the insurer of less than 5 working days (for planned elective admission only; does not apply for emergency case).

  • Completed authorisation form and other required medical documents are not available before discharge

  • Case requires further medical review

  • Non covered treatment/medical condition(s) under the policy

  • No credit arrangement with the Hospital

  • No LOG facility arrangement

  • Overseas admission

Note: Should the LOG request be declined, you must self-pay and submit the claim for evaluation. For claims evaluation, the decision on admissibility is subject to submission of all claim documents and assessment of complete claim documents according to policy terms, conditions and exclusions.

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Claims


Submit your claims using the app or portal. No more hardcopy forms to complete!

Claims


Submit your claims using the app or portal. No more hardcopy forms to complete!

Submit & Track Claims

  • submit claims via the app or portal

  • upload your invoice/receipt and supporting documents like referral letter, discharge summary, test reports etc.

  • Students can check status of claims via the app or portal.

  • Notification of the result of the claim or request for documents/information will be sent via the app or portal.

  • Approved medical expense claims will be credited into the student’s bank account within 30 days after complete claim documents and information are received.

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Important!

  • Claims should be submitted as soon as possible but within 30 days of the date of treatment or happening of the event whichever is earlier. If more time is required, please notify using the “Ask Joey” button in the app or portal. Late claims may not be processed.

  • Original invoices and receipts must be kept for one (1) year from the date of treatment and provided to the insurer on request.


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Bank Details

  • 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.

  • To enter your bank details, go to “Menu” then “Profile”.

  • Exception is made for certain groups of students who may not have a bank account in Singapore (e.g. short-term exchange students). An uncrossed cheque will be issued for the student to encash at a Singapore bank.

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Contact


Contact


From Aug 2019 onwards, we will be at SMU Student Services Hub on Mondays and Wednesdays between 11am to 1pm. Please visit us! We would love to meet you.



View e-Card and Panel Clinics
Apply for Letter of Guarantee
Submit & Track Claims

Download GroupCare@Income mobile app
Log in to
www.groupcareincome.com.sg portal


Let’s Chat

Click on “Ask Joey” in the app & portal


Request for Certificate of Insurance (COI)


Contact MYCG

smu@mycg.com.sg

+65 8118 6924 (office)
+65 9762 2062 (Loh May Yee)
+65 9336 0159 (24hr medical emergency hotline)

6A Shenton Way
#04-01 OUE Downtown Gallery
Singapore 068815


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