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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 May 2018 to 30 April 2019.

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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 May 2018 to 30 April 2019.

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New! for AY18/19


New Mobile App!

Use the E-Card for visits to NTUC Income’s CliniFlex Panel Clinics.

Search for panel clinics using the App.

New! for AY18/19


New Mobile App!

Use the E-Card for visits to NTUC Income’s CliniFlex Panel Clinics.

Search for panel clinics using the App.

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If you are unable to log into the app, please change your language settings on your phone to "English".
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Important Notes:

  • The SUTD Student Card will no longer be recognised at the panel clinics;
  • Payments made at the panel clinics will not be reimbursible - you must show your e-card to the clinic staff.

With effect from 1 May 2018, the new insurer is NTUC Income.

The list of panel clinics has changed. Please download the new list here:

There is also a new Mobile App! You can:

  • Use an E-Card for visits to NTUC Income's CliniFlex Panel Clinics and
  • Search for panel clinics via the App.

 

    Download the "CliniFlex by Income" App from Apple App Store or Google Play Store.

    Then follow these steps to view the E-Card.

    Enter your NRIC and DOB.

    Select "E-Card".

    Show the "E-Card" and your NRIC/FIN card to the clinic staff.

    For more information on the mobile app, please view the user guide.

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    Coverage


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

    Coverage


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

    Coverage is subject to NTUC Income's Policy Terms and Conditions. Students are advised to contact the SUTD Office of Student Administration for the actual Terms and Conditions.


    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" is defined as "a sudden, unforeseen and fortuitous event which shall independently of any other cause be the sole and direct cause of bodily injury.”.
    • 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 the list of panel clinics may be updated periodically. Please check this website or refer to the mobile app before you visit the clinic for the most updated list. You may also wish to contact the clinic before visiting in case there is a change in operating hours.

    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
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    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)


    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 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 or if the required medical information cannot be obtained prior to hospital admission.
    • For emergencies, please contact MYCG immediately or settle the bill first and submit the claim later.

     

    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

    Upload these documents:

    1. Completed Authorisation Form →

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

    3. 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 faxed 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:

    1. Discharge Summary by email to customercare@mycg.com.sg and
    2. Original Pre and Post hospitalisation/surgery bills by post to MYCG.
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    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


    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.

    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/

    National Cancer Centre

    11 Hospital Drive
    Singapore 169610
    Tel 6436 8000
    http://www.nccs.com.sg/

     

    National Heart Centre

    17 Third Hospital Avenue
    Singapore 168752
    Tel 6436 7800
    http://www.nhcs.com.sg/

    National Skin Centre

    1 Mandalay Road
    Singapore 308205
    Tel 6253 4455
    http://www.nsc.gov.sg/

    Singapore National Eye Centre

    11 Third Hospital Avenue
    Singapore 168751
    Tel 6227 7255
    http://www.snec.com.sg/

     

    Ng Teng Fong General Hospital

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


    Note:

    Some Government Restructured Hospital Specialist Clinics operate a separate clinic in a Private Hospital. For example, SNEC has a clinic at Gleneagles Hospital. Please note that medical expenses incurred at these clinics in a private hospital will not be covered.

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    Contact


    Contact


    MYCG & PARTNERS PTE. LTD.

    1 Coleman Street
    #10-09A The Adelphi
    Singapore 179803

    +65 6635 2160 (phone)
    +65 6635 2161 (fax)

    customercare@mycg.com.sg
    www.mycg.com.sg

    SUTD Student Insurance Website
    www.mycg.com.sg/sutd

     

    24hr Medical Emergency Hotline

    +65 9336 0159
    (for medical emergencies only
    after business hours)

     

    Operating Hours

    Monday to Fridays
    9 am to 5 pm

    If you wish to visit us,
    please avoid 12 noon to 2 pm.

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