SUTD Student Insurance

Covers registered, active and full-time undergraduates, postgraduates and non-graduating students of Singapore University of Technology and Design (SUTD) for accidental injury and illness for the period 1 Sep 2024 to 31 August 2026.

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SUTD Student Insurance

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

GroupCare Lite App & Portal

Features include e-Card for visit at panel clinics, find panel clinics, teleconsultation, submit claims and track claims, apply for LOG etc.

GroupCare Lite App & Portal

Features include e-Card for visit at panel clinics, find panel clinics, teleconsultation, submit claims and track claims, apply for LOG etc.

Important!

From 1 Sep 2024, the insurance app and portal has changed to GroupCare Lite @Income.

All existing and new students have to download the new app and sign up to use it.

To SIGN UP, please enter these details:

NRIC/Member Code = NRIC for Singaporeans/SPR; FIN No. for International Students
Date of Birth
Email = SUTD email in this format “1234567@mymail.sutd.edu.sg” where 1234567 is your SUTD ID No. (other SUTD emails may not be accepted)
Phone Number

Note:

The data from the previously used Cliniflex app/portal will not be transferred to GroupCare Lite.
Claims submitted under Cliniflex will still be processed. Students will receive notification via email.
If you are unable to sign up or log in, please take a screenshot of the error message and email to groupcare.lite@adepthealth.com.sg and cc care@mycg.com.sg. Alternatively, please call 6428 8139 or whatsapp 9762 2062.

All first time users of GroupCare Lite must click on “Sign Up” to create your account before you can log in and use the app and portal.

Download the App

Or log in via the Portal

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

GroupCare Lite App User Guide

e-Card & Panel Clinics

Show your e-Card and NRIC/FIN to the clinic staff at panel clinics for cashless visit. You may have to top-up for surcharge after normal clinic operating hours.

e-Card & Panel Clinics

Show your e-Card and NRIC/FIN to the clinic staff at panel clinics for cashless visit. You may have to top-up for surcharge after normal clinic operating hours.

You must show the e-Card from the GroupCare Lite app and your NRIC/FIN card to the Panel Clinic to be eligible for coverage.

The SUTD Student Card is not recognised at the panel clinics.
You must always check that the clinic is listed on the panel in the app before visiting.
Payments made at the panel clinics will not be reimbursible - you must show your e-card to the clinic staff.

Panel Clinics

Click the button for the list of panel clinics.

Please note that it may not include changes made since the list was last uploaded (eg. withdrawal of clinic). It is important to 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 to pay by a clinic that is no longer on the panel, 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.

Coverage

The student insurance covers accidental bodily injury and illness including mental illness.

Coverage

The student insurance covers accidental bodily injury and illness including mental illness.

Claims Submission/Notification

Students must notify the insurer by email of possible claims within 30 days of the accident or discharge from hospital whichever is earlier. Claims for medical expenses must be submitted within 30 days of the date of treatment. Late claims may not be processed.

Coverage is subject to Income's Policy Terms and Conditions. Please read the exclusions:

GPA Exclusions

GP & SP Exclusions

GHS Exclusions

GROUP PERSONAL ACCIDENT (GPA)

Covers students for bodily injury caused solely and directly by an accident and not by illness, disease or gradual physical or mental wear and tear.
“Accident” or “Accidental” means a sudden, unexpected physical event, which happens during the period of insurance and which must be the only and direct cause of injury.
“Injury” means damage or harm caused to the body by an external force suffered during the period of insurance and which is caused only and directly by an accident. This does not include all medical conditions, diseases, sickness, bacterial infections or viral infections, even if these conditions resulted from, or are connected with, the accident.
Territorial Limit – 24 hours worldwide.
For medical expenses, please pay first and submit a claim for reimbursement.

GENERAL PRACTITIONER (GP)

Covers GP consultation, prescribed medicine and simple tests (eg. x-ray and lab tests).
Show the E-Card to the clinic staff and you will not have to pay for consultation, prescribed medication and simple lab tests for covered medical conditions. (Please note that if you did not show the e-card and had to pay at the panel clinic, the claim may be processed as non-panel clinic claim.)
View the list of panel clinics from the app or portal.

Note:

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

If you are referred by a Panel GP 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 or A&E of a Singapore Government Restructured Hospital and without reference to a Specialist by name.

For more information, please refer to the Singapore Ministry of Health's Website.

SPECIALIST (SP)

Covers visits to a Specialist in a Singapore Government Restructured Hospital.
Covers consultation, prescribed medicine and diagnostic tests recommended by the Specialist.
Annual Limit of $1,000.
The Specialist must be referred by a GP or A&E. Visit to the Specialist without referral is not covered.
Treatment by Private Specialist is not covered.
Covers treatment in Singapore only, except for international students who return to their home country for treatment. Charges incurred overseas shall be reimbursed up to overseas charges or B1 charges in a Singapore Government Restructured Hospital for similar treatment, whichever is lower.
A new referral is required if the last visit to the Specialist was more than 6 months ago.
Please pay first and submit a claim for reimbursement.

Outpatient Mental Health

Covers visits to a Psychiatrist, Psychologist or Neurologist in a Singapore Government Restructured Hospital.
For Local (Singaporean/SPR) students, the coverage is included under the Specialist Limit of $1,000 per year. For International students, the coverage is up to $2,000 per policy year.
Referral by a Physician or an SUTD Counsellor. Visits to the Psychiatrist without referral is not covered.
Treatment by Private Psychiatrist is not covered.
Covers treatment in Singapore only, except for international students who return to their home country for treatment. Charges incurred overseas shall be reimbursed up to overseas charges or B1 charges in a Singapore Government Restructured Hospital for similar treatment, whichever is lower.
Please pay first and submit a claim for reimbursement.

HOSPITALISATION &/OR SURGERY (GHS)

Covers hospitalisation and surgery expenses incurred in a Singapore Government Restructured Hospital. Treatment in a Private Hospital is not covered.
Territorial Limit – 24 hours worldwide for emergency treatment for accident or acute illness while overseas where immediate medical attention is required (does not cover non-emergency, elective and/or intentionally booked treatment overseas).
Extends to cover international students who return to their home country for treatment.
Charges incurred overseas shall be reimbursed up to overseas charges or B2/B1 charges and plan limits in a Singapore Government Restructured Hospital for similar treatment, whichever is lower.
Extends to cover expenses incurred for stay in a Community/RehabilitationHospital registered and approved by the Ministry of Health of Singapore if recommended by the attending Registered Medical Practitioner up to
maximum 31 days and $5,000, subject to the benefit limits of the insurance.
You can apply for Letter of Guarantee (LOG) to cover the hospital expenses.

For Local (Singaporean/SPR) students:

B2 ward (6 bedded)
With sub-limits for surgery, hospital services etc
No annual limit

For International students:

B1 ward (4 bedded)
Limit of $50,000 per year

Apply for Letter of Guarantee (LOG)

A LOG is a document issued by the insurer for hospitalisation and/or surgery. With a LOG, the hospital will waive the cash deposit and payment of the hospital bill up to the limits of the insurance and subject to the policy terms and conditions. The hospital will bill the insurer directly.

Apply for Letter of Guarantee (LOG)

Apply for LOG

The LOG is only applicable under the Group Hospitalisation & Surgical Insurance (GHS).
The LOG is not applicable for treatment outside Singapore.
For treatment overseas, please pay first and submit a claim for reimbursement.
Please note that LOG will not be issued for medical treatment that is not covered, if the required medical information cannot be obtained prior to hospital admission or if the request for LOG is made after discharge.
For emergencies, please contact MYCG immediately or settle the bill first and submit the claim later.

Step 1

Complete this form and submit via the GroupCare Lite app or care@mycg.com.sg at least 5 working days before the scheduled hospital admission/surgery. For emergency admission, please contact MYCG as soon as possible.

LOG Request Form

Name

First Name

Last Name

Gender

Male

Female

Date of Birth

NRIC / FIN Number

Student ID / Matric Number

Phone

Email Address

Policy Number

School

Course of Study

Type of Student (Full-Time/Part-Time)

Date of Admission to SUTD

Expected Date of Graduation

Admission Date to Hospital

Hospital

Diagnosis / Medical Condition / Description of Accident

Message

Personal Data Use Statement

By providing the information and submitting this application or transaction, I/we consent and agree to Income Insurance Limited (“Income”), its representatives, agents, relevant third parties, Income’s appointed insurance intermediaries and their respective third party service providers and representatives (collectively “Income Parties”) (referred to in Income’s Privacy Policy at http://www.income.com.sg/privacy-policy) to collect, use, and disclose any personal data in this form or obtained from other sources, including existing personal data provided and any future updates, (collectively “personal data”) for the purposes of processing and administering my/our insurance application or transaction, providing me/us with financial advice and/or recommendation on products and services, managing my/our relationship and policies with Income including sending me/us corporate communications and notices on updates and servicing, research and data analytics, and in the manner and for the purposes described in Income’s Privacy Policy. Where the personal data of another person(s) (for example, personal data of my family, employee, payee/payer or beneficiary) is provided by me/us or from other sources to Income Parties, I/we represent and warrant that: • I/we have obtained their consent for the collection, disclosure and use of their personal data; and • I am/we are authorised to give any authorisation, approval and consent on their behalf to collect, use or disclose, their personal data, for the purposes as set out in this Personal Data Use Statement. For the purpose of this application and any claim in connection with my/our policy(ies) with Income, I/we also authorise, agree and consent to (whether this application or transaction is accepted or refused) the following: a) The medical source, insurance office, reinsurer, or organisation to release to Income any medical or relevant information to do with me or the insured; b) Income to collect from and/or disclose to any medical source, insurance office, reinsurer, or organisation any medical or relevant information to do with me or the insured; and c) Income or any of its approved medical examiners or laboratories to perform the necessary medical assessment and tests for Income to underwrite and evaluate me or the insured health status or condition in relation to this application and any claim in connection with my/our policy(ies) with Income. When submitting a claim for an insurance policy, I/we consent and agree that the personal data will also include any subsequent information collected on health or any information that is necessary for Income to decide whether to pay the claim, such as test results, medical examination results, and health records from medical sources such as medical examiners or laboratories. I/We authorise, consent and agree to the following: • Income Parties to collect from and/or disclose to the group policyholder, the personal data for all the relevant purposes listed above and in Income’s Privacy Policy including to respond to enquiries from the group policyholder for the purposes of this application and policy servicing matters, including confirmation of eligibility for the cover; and • The group policyholder to disclose the personal data to Income Parties for all the relevant purposes listed above and in Income’s Privacy Policy. Please refer to Income’s Privacy Policy for more information, including access and correction of my personal data and consent withdrawal.

I agree.

Step 2

Email these documents to groupcare.lite@adepthealth.com.sg and copy care@mycg.com.sg:

Completed Authorisation Form →
Copy of Referral Letter from GP to Specialist, if any
Copy of Test Reports, if any
Copy of *Financial Counselling/ Admission/ Care Cost/ 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 to 2 days prior to admission after it is approved by the insurer. A copy will be emailed to the student.

Step 4

Upon discharge from the hospital, please submit:

Discharge Summary by email to groupcare.lite@adepthealth.com.sg and copy care@mycg.com.sg and
Submit Pre and Post hospitalisation/surgery bills via the GroupCare Lite app to claim.

Government Restructured Hospitals & Specialists

The Outpatient Specialist and Group Hospitalisation & Surgical Insurance Benefits cover 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 & Specialists

Government Restructured Hospitals & Specialist Clinics

Government Specialist Clinics also include:

IMPORTANT:

Some Government Restructured Hospital Specialist Clinics may operate a separate clinic in a Private Hospital. Please note that medical expenses incurred at these clinics in a private hospital will not be covered.
KK Women’s and Children’s Hospital has a 24-hour walk-in clinic which is NOT an A&E. This is a Specialist Clinic. Thus, referral from a GP is required for visits to the 24-hour walk-in clinic.

Contact

MYCG & Partners Pte Ltd

groupcare.lite@adepthealth.com.sg
cc care@mycg.com.sg

+65 6428 8139 (GroupCare Lite 24hr Hotline)
+65 8118 6924 (MYCG)
+65 9336 0159 (MYCG 24hr Hotline for medical emergencies only)

www.mycg.com.sg/sutd

Our operating hours are
Monday to Friday
9 am to 5 pm

Contact Form