NOTE TO DESIGNER: DIFFERENCES IN LOCAL LEGAL AND … · PLEASE REFER TO THE MMB BRAND GUIDELINES FOR DETAILED INFORMATION. IF IN DOUBT, PLEASE CONTACT: [email protected]

N O T E TO D E S I G N E R :

D I F F E R E N C E S I N L O C AL L E G AL AN D

C O M P LI AN C E R E G U L AT I O N S M AY

RE Q UI RE US E O F A D I FFE RE NT M M B

L O G O , O P E R AT I N G C O M PAN Y L O G O

AN D / O R D I S C L AI M E R I N F O RM AT I O N .

P L E AS E R E F E R TO T H E M M B B R AN D

G U I D E L I N ES F O R D E TAI L E D

I N F O RM AT I O N . I F I N D O U B T,

P LE AS E CO NTACT:

[email protected]

P L E AS E AL S O R E F E R TO T H E

M AS T E R S L I D E O P T I O N S AVAI L AB L E

I N T H I S T E M P LAT E Presenter

Title

London

Client Name – Arial 16pt,

bold, RGB 128, 128, 128

should go here and push

date down.

VMWARE SINGAPORE PTE. LTD.

01 Jan 2019 to 31 Dec 2019

mailto:[email protected]

MERCER MARSH BENEFITS 1

Important Notice

• Please note that this presentation only provides a general summary of some of the benefits provided under

the Company’s insurance program, and is not meant to be an exhaustive or comprehensive list of the full

terms, conditions and exclusions of the Company’s insurance program.

• The insurance policy is a contract between the relevant insurer and the Company. Mercer is a

broker/consultant providing broking services to the Company. Mercer does not act on behalf of any insurer

or other service provider, is not bound to utilize any particular insurer or service provider, and does not have

the authority to make binding commitments on behalf of any insurer or service provider. In addition, Mercer

does not guarantee or make any representation or warranty that coverage or service can be placed on

terms acceptable to our clients. Mercer is not responsible for the solvency, performance, or ability to pay

claims of any insurer or service provider. Insurers or service providers with which a client’s risk or business

is placed at the client’s direction will be deemed acceptable to the client, in the absence of contrary written

instructions from the client.

• This document may contain confidential and proprietary information of Mercer and is intended for the

exclusive use of the Company and its employees for whom it is prepared. The contents herein may not be

modified or otherwise provided, in whole or in part, to any other person or entity, without Mercer’s written

consent. Mercer will not be responsible or liable in any manner whatsoever in the event the information

provided herein is modified without Mercer’s consent or is used in a manner other than as contemplated

herein.


Presentation Title Here


Benefits Overview


Benefits at a Glance

Insured Programs Group Term Life (GTL)

Group Disability Income (GDI)

Group Personal Accident (GPA)

Group Hospital & Surgical (GHS)

Group Major Medical (GMM)

Group Maternity (GMR)

24 Hour

Worldwide

Policy Period: 1 January 2019 –

31 December 2019


New Enhancements for 2019

E n h a n c e m e n t B E N E F I T

C O V E R A G E A G E

• Eligibility age increase from age 67

to 70

Apply to:

• Group Term Life

• Group Personal Accident

• Group Hospital and Surgical

• Group Major Medical

N O N M E D I C A L

L I M I T A G E C A P

• Increase from age 60 to 65 Apply to Group Term Life

B E N E F I T

PAY M E N T

• Lump sum payment of sum insured

for Total Permanent Disability

Previously, benefit payment is capped at

$200K and any balance is payable in 3

annual installments after 12 months

Apply to Group Term Life

B E N E F I T L I M I T • $15,000 per disability

Increase from $12,000

Apply to Group Hospital and

Surgical

W A I T I N G P E R I O D

• Waived

10 Months waiting period is removed Apply to Group Maternity




GROUP TERM LIFE


Eligibility

• All regular and full-time permanent employees above age 16 and

below age 70 *New enhancement - Increase from age 67

Scope of Cover • 24-hour

• Worldwide

Basis of Cover • All Employees: 2 X Annual Salary (Annual Salary inclusive of MBO

and commission bonus)

Free Cover

Limit (FCL)

• S$500,000 up to age 65 *New enhancement - Increase from age 60

Sum insured in excess of FCL is subject to underwriting and acceptance

by insurer

Group Term Life Insurance (GTL)

6

Core


Group Term Life Insurance

Illustration of Non-medical limit

Non-medical limit – S$500,000 up to age 60 last birthday

A.Below age 65 and sum insured of S$150,000

– Full sum insured S$150,000 on date of employment

B.Below age 65 and sum insured of S$650,000

– Sum insured S$500,000 on date of employment

– Excess S$150,000 subject to underwriting and approval by insurer

C.Above age 65 and sum insured of S$150,000 (below NML)

– No coverage on date of employment

– Full sum insured subject to underwriting and approval by insurer

7


Death • Due to any causes, i.e. illness or accident

• Lump sum payment of 100% sum insured

Total

Permanent

Disability

• Complete inability to engage in any gainful occupation or employment

for compensation, profit or gain for remainder of lifetime as a result of

accidental bodily injury, sickness or disease

• Total and irrecoverable loss of sight of both eyes

• Loss by severance of two or more limbs at/or above wrist or ankle

• Total and irrecoverable loss of sight of one eye with loss by severance

of one limb at/or above wrist or ankle

• Lump sum payment of sum insured

*New Enhancement: Previously, benefit payment is capped at $200K and any

balance is payable in 3 annual installments after 12 months

Group Term Life Insurance Coverage

8


Terminal Illness

• Upon diagnosis of terminal illness and certification of high probability

of death within next 12 months

• 100% sum insured payable, subject to maximum S$200,000

• Any balance payable upon death

Extended

Benefit

• Insurance coverage extended up to 12 months if insured member is

medically boarded out and unemployed during the same period

Group Term Life Insurance Coverage

9




GROUP DISABILITY INCOME


Eligibility

• All regular and full-time permanent employees above age 16 and

below age 67

Scope of Cover • 24-hour

• Worldwide

Basis of Cover

• All Employees: 75% of Annual Salary (subject to maximum amount of

S$180,000 per Insured Person) (Annual Salary inclusive of MBO and

Commission Bonus)

• Deferment period : 6 months from Date of Disability (during which

Benefits are not payable)

Free Cover

Limit (FCL)

• S$60,000 up to age 60

• Sum insured in excess of FCL is subject to underwriting and

acceptance by insurer

Group Disability Income (GDI)

11


Disability

• Total and complete incapacity of Insured, as a result of injury/sickness

to engage in his own occupation or any other occupation for which he

is suited by reason of training, education or experience and is not

following any other occupation

Foreign

Residence

• If Insured becomes entitled to the Benefits under the Policy while not

in Singapore or leaves Singapore while being paid the benefits, the

Benefits will be payable only for first 6 months of absence from

Singapore

Group Disability Income

12

MERCER MARSH BENEFITS 13 13

Group Disability Income

Exclusions

• Participation in any aerial activity including parachuting and sky-diving; travel in any

type of aircraft other than as a fare-paying passenger on a regularly scheduled flight

of a commercial airline;

• Invasion, riot, civil commotion or rebellion, any war (declared or undeclared) or act of

war, violation or attempted violation of the law or resistance to arrest;

• Suicide or any attempted suicide or self-inflicted injury or illness, while sane or insane;

over indulgence in alcohol, drug-taking unless taken under the direction of a

Registered Medical Practitioner;

• Pregnancy or childbirth, or any illness or injury associated with pregnancy or

childbirth;

• Venereal disease, AIDS, AIDS related complexes and all illnesses or diseases

associated with the Human Immuno Deficiency Virus (HIV).




GROUP PERSONAL ACCIDENT


Eligibility • Per Group Term Life Insurance

Coverage

• Death as a result of accident

• Total Permanent Disablement as a result of accident

• Dismemberment as a result of accident

Scope of cover • 24-hour

• Worldwide

Basis of cover • All Employees: 2 X Annual Salary (Annual Salary inclusive of MBO

and commission bonus)

Group Personal Accident Insurance (GPA)


1 Suicide or any attempted suicide or self-injury whether the Insured Person is sane or

insane

2 War, any acts of terrorism, hostilities or any warlike operations (whether war be declared

or not) or civil war; military or naval or airforce service while under orders for warlike

operations

3

Participation in a riot; commission of as assault or felony

4 Participation in competitive racing of any kind other than on foot; travelling in any type of

aircraft other than as a fare-paying passenger on a regularly scheduled flight of a

commercial airline

Group Personal Accident Insurance

Exclusions




GROUP HOSPITAL & SURGICAL


Group Hospital & Surgical Insurance (GHS)

Eligibility

• All full time employees below age 70* and their eligible dependents

*New enhancement – Increase from age 67

• Eligible Dependent shall mean:

a) Spouse below age 65 and who is not divorced or legally separated

from the Eligible Person, (including Domestic Partners)

b) Unmarried and unemployed child who is between the age of 15

days and 25 years old who is a full time student in an institution of

higher learning

Coverage • Hospitalized for treatment (minimum 6 hours of confinement)

• Surgery operation (including day surgery)

Scope of cover • 24-hour

• Worldwide

Basis of cover • All Employees and Eligible Dependents – Plan 1


Group Hospital & Surgical Benefits

Hospital & Surgical Benefits per Disability* unless otherwise stated Plan 1

Room & Board (max 120 days including ICU) 1-Bed (Restr)

Intensive Care Unit (ICU) $10,000

Hospital Miscellaneous Services

$15,000 *New enhancement – Increase from $12,000

Surgical Benefit (subj. to Surgical Schedule of Fees for private hospital)

In-hospital Doctor’s visits/consultation per day (max 120 days)

Post-Hospital Confinement/Surgery Follow-up (max 90 days per disability)

Pre-Hospital Confinement/Surgery(within 90 days prior to admission)

$2,500 Pre-Hospital Diagnostic X-ray and Lab Tests(within 90 days prior to admission)

Emergency Outpatient Treatment Benefit (Bodily Injury caused by Accident) -sought within 24 hours of accident and follow-up within 31 days

Note: GST is not payable


Group Hospital & Surgical Benefits

Hospital & Surgical Benefits per Disability* unless otherwise stated Plan 1

Miscarriage Benefit -Expenses incurred for miscarriage that require in-hospital or outpatient treatment treated by registered medical practitioner including eligible expense for follow up treatments. No benefit shall be payable for pre-natal treatments.

$1,000

Death Benefit (No double indemnity if death due to accident) $8,000

Rehabilitation Benefit per policy year (up to max 31 days) $5,000

Outpatient Kidney Dialysis / Cancer Treatment per policy year No benefit shall be payable for Pre-existing conditions which have existed during the 12 months preceding

the Effective Date of insurance coverage of the Insured Member.

$15,000


*Per Disability is defined as:

- All disabilities arising from same cause, including its complications

- Subsequent disability from same cause shall be treated as new disability if subsequent admission is more than 30 days from

the latest date of discharge from hospital


Group Hospital & Surgical Insurance

Exclusions

1 Pre-existing Illnesses prior to joining scheme or company, unless the Insured Person has

already been insured continuously for 12 months under this Policy ** Not applicable to International Transferees subject to T&Cs

2 Congenital anomalies or genetic defects

3

Treatments which are not medically necessary (e.g. cosmetic, fertility related, weight

management etc), routine medical check-ups

4 Childbirth including abortion, birth control, infertility, impotency; treatment occasioned by

or resulting from pregnancy, childbirth, abortion and complications arising from any of the

same, except for miscarriage

5 Transplants, dental treatments, HIV and all other sexually transmitted diseases

6 Treatment of mental illness, self-inflicted injury, suicide, abuse of alcohol, drug addiction

7 Disabilities resulting from direct participation in a strike, riot or civil commotion,

insurrection, or any act of war (whether declared or undeclared)

Please refer to Policy Contract for full list of exclusions




GROUP MAJOR MEDICAL


Eligibility • All full time employees below age 70* and their eligible dependents

*New enhancement – Increase from age 67

Coverage • To reimburse the cost of medical treatment in excess of the limits

claimable under Group Hospital and Surgical Insurance in

accordance to the plan entitlement

Basis of cover • All Employees and Eligible Dependents – Plan 1

Group Major Medical Insurance (GMM)


Group Major Medical Benefits

Major Medical Plan 1

Room & Board (121st day onwards) 1-Bed (Restr)

Deductible Amount GHS

Co-insurance 20%

Max Limit per Policy Period $50,000



Group Major Medical

Exclusions

1 Pre-existing Illnesses prior to joining scheme or company, unless the Insured Person has

already been insured continuously for 12 months under this Policy ** Not applicable to International Transferees subject to T&Cs

2 Congenital anomalies or genetic defects

3

Treatments which are not medically necessary (e.g. cosmetic, fertility related, weight

management etc), routine medical check-ups

4 Childbirth including abortion, birth control, infertility, impotency; treatment occasioned by

or resulting from pregnancy, childbirth, abortion and complications arising from any of the

same, except for miscarriage

5 Transplants, dental treatments, HIV and all other sexually transmitted diseases

6 Treatment of mental illness, self-inflicted injury, suicide, abuse of alcohol, drug addiction

7 Disabilities resulting from direct participation in a strike, riot or civil commotion,

insurrection, or any act of war (whether declared or undeclared)

Please refer to Policy Contract for full list of exclusions




GROUP MATERNITY


Group Maternity

27

Eligibility • All single and married female employees and spouses of married

male employees below age 45

Coverage • Eligible expenses incurred arising out of pregnancy including

consultations at Registered Medical Practitioner’s consulting room

and all hospital charges


Group Maternity Benefits

Schedule of Benefits Plan 1 (SGD)

Normal/ Vaginal Delivery $3,500

Caesarean/ Abdominal Delivery $4,500

Miscarriage/ Non- elective abortion $1,500

Waiting Period No Maternity benefit shall be payable if an insured person has not been

continuously insured for at least 10 months immediately prior to the delivery of

the child.

Waived *New enhancement - 10 Months

is removed




CLAIMS PROCEDURE


Obtain LOG IPA will issue directly to employee and copy

to hospital

At hospital – Present LOG to admission

staff and activate Medisave

Payable by Aviva?

NO YES Aviva will forward

declination notice to

member

Any escalation via HR Dept

After discharge, hospital will send the

bills to Aviva for assessment

Please submit any pre/post hospital bills

on Claimsconnect

Aviva will settle bill

with hospital directly

and email to

employees’ email

along with a

notification via claims

connect

Claims Procedure

Group Hospital & Surgical (with Letter of Guarantee)


Complete Part I of Medical Claim Form

At hospital – sign the Medisave Authorisation form

(Medisave form not applicable for Overseas). Pay Deposit.

No need to complete

Part II of Claim Form Settle bill with Hospital. Attach

Original final bills, Claim form and

Discharge Summary (if available)

and submit via Claimsconnect

NO

Admitted to Private Hospital? Doctor to complete

Part II of Claim Form

YES

Reimbursable by Aviva?

Aviva will forward declination notice to member Aviva will email to employees’ email along with

a notification via claims connect and

reimburse to employees’ bank account.

NO YES

Claim Procedure

Group Hospital & Surgical (without Letter of Guarantee)


Hospital & Surgical

What is LOG?

What is the purpose of Letter of Guarantee (LOG) ?

• LOG acts as a waiver of deposit upon admission into hospitals and payments will

be billed to Insurer directly.

• LOG can only be used for in-hospitalization cases

• LOG covers only patient’s room & board entitlement and other hospital services

up to a maximum of S$10,000 and does not include Professional Doctor’s Fees.

• It is important to understand that issuance of a LOG does not guarantee that the

claim is payable.

• Admissibility of the claim will be subject to Insurer’s assessment upon receipt of

claim form after discharge. In the event that Insurer rejects the claim, employee is

liable for any outstanding liability owing to the hospital or the Insurer.


Lists of Hospitals in Singapore

Government / Restructured Private Hospitals

Alexandra Hospital Mount Alvernia Hospital

Singapore General Hospital Mount Elizabeth Hospital

KK Women’s and Children Parkway East Hospital

Tan Tock Seng Hospital Gleneagles Hospital

Changi General Hospital Thomson Medical Centre

National University Hospital Raffles Hospital

Khoo Teck Puat Hospital


Contacts

• Client ID: 4087

• Hotline: 6555 1234 (enter Client ID when prompted)

8.30am to 5.30pm Monday – Friday (except Public Holiday)

• Email: eh&[email protected]

• Address: 8 Marina View #09-08 Asia Square Tower 1, Singapore 018960




AVIVA CLAIMS CONNECT


Aviva Claim Connect – Mobile App and Online Portal


Aviva Claim Connect – Mobile App and Online Portal


Registering for a User ID

Click on Register

2. Select your date of

birth

1. Key in

NRIC/FIN/Passport

No

3. Click on Register

38


Registering for a User ID

Check your

Company name,

Name & Email. If

they are in order,

click Confirm

Password will be

sent to the email

account in our

records

If the information

stated are

incorrect, please

do not proceed.

Contact your HR

support to get

your details

updated first

39


Welcome Email with Password

Use Date of Birth

(DDMMYYYY) to open the

attachment to retrieve the

first time password

40


1. Key in

NRIC/FIN/

Passport No

2. Enter the

password

sent via email

Attachment

Logging in for the first time

41


Logging in for the first time – T&C acceptance and change

password

When you log in to the app for the first time, the term

& conditions for using the app will be displayed. You

must accept the terms in order to continue using the

app.

Next, you will be asked to change your

password:

42


Logging in for the first time – confirmation of mobile number

We need your mobile number to send you the OTP needed to navigate the secured sections of

the app, and also SMS on updates of your claims.

1. Update mobile number

2. Click

Confirm

43


One-time Password (OTP)

To protect your personal data,

there are security measures

(the use of OTP) in place, to

control access to functions that

contain confidential

information.

OTP is required for the

following functions:

o Make a claim

o View claims

o Messages

o Benefits

o My profile

OTP is NOT required for:

o Claims help

o eCard

o Find a clinic

44


Features of Claim Connect


Make a claim


Make a claim


Make a claim


Make a claim


ABOUT MERCER MARSH BENEFITS

Mercer Marsh Benefits provides clients with a single source for managing the costs, people risks, and complexities of employee benefits. The network is a combination of

Mercer and Marsh local offices around the world, plus country correspondents who have been selected based on specific criteria. Our benefits experts, located in 135

countries and servicing clients in more than 150 countries, are deeply knowledgeable about their local markets. Through our locally established businesses, we have a unique

common platform which allows us to serve clients with global consistency and locally unique solutions.

IMPORTANT NOTICE: This document does not constitute or form part of any offer or solicitation or invitation to sell by either Marsh or Mercer to provide any regulated

services or products in any country in which either Marsh or Mercer has not been authorized or licensed to provide such regulated services or products. You accept this

document on the understanding that it does not form the basis of any contract.

The availability, nature and provider of any services or products, as described herein, and applicable terms and conditions may therefore vary in certain countries as a result of

applicable legal and regulatory restrictions and requirements.

Please consult your Marsh or Mercer consultants regarding any restrictions that may be applicable to the ability of Marsh or Mercer to provide regulated services or products to

you in your country.










P LE AS E CO NTACT:

[email protected]



I N T H I S T E M P LAT E

50

Make a claim



Save a claim


View claims

Please allow 3-5 working days from the date processed for the reimbursement to be

credited to your bank account.


Messages


My profile – change password and update particulars


Benefits


Benefits – Financial calculator


Plan Entitlement, Balance Entitlement


Aviva Claim Connect is also available online!


One-time Password

• To protect your personal data, there are security measures (the use of OTP)

in place, to control access to functions that contain confidential information.

• OTP is required for the following functions:

Claims

Benefits

Message

My profile


Contact Details – Aviva Claim Connect Team

• Hotline: 6827 8030

• Email: [email protected]

• Office Hours: 8.45am to 5.30 pm, Monday – Friday

(except Public Holiday)

• If there is any technical issues faced on the claims connect, when contacting

Aviva hotline – select option “2” upon message prompting. The calls would then

be routed to Aviva’s TeleCentre to assist the users.




FREQUENTLY ASKED QUESTIONS


Frequently Asked Questions

62

Q1. If I am overseas, am I covered?

A This policy is 24 hour worldwide. You are also covered outside office hour whether on holiday or at

work. If you are hospitalized, you should pay the bill and seek reimbursement when you are back in

Singapore. Please ensure that you obtain the medical report from the attending doctor and submit

together with the original final bills and medical claim form. All medical report and bills are

recommended to be translated in English to expedite in claims processing.

It is advisable that you purchase your own travel insurance if you are going for holiday overseas.

Q2. Can I continue the medical coverage if I resign from my company?

A This group insurance benefits is bought by your company as the main policyholder and coverage will

cease upon leaving the Company. It is, therefore, advisable that you purchase your own individual

for yourself and your dependents to ensure adequate protection.

Q3. Is benefits pro-rated for dependents?

A All benefits are on per insured basis and it is not shared.

Q4. If I go for medical treatment at A&E in Singapore government or private hospitals, will I be

reimbursed?

A For visits to A&E, the claim will be reimbursed if treatment is sought within 24 hours from accidents.

You are to pay first and submit the claim for reimbursement up to the benefits limit of Accident

Emergency Outpatient Treatment under Group Hospital & Surgical policy. Any follow up within 31

days can be reimbursed up to this benefit limit.

.



63

Q5. If I have another personal medical policy or my spouse’s company policy also covers me – can I

claim from these policies?

A Yes, if your claim is not paid in full by VMware’s medical plan, you can submit the balance amount from

GHS and Major Medical not reimbursed to the other insurers for review. Please obtain a copy of the

“certified true copies” of bills and payment statement which the other insurers would require to review the

claims. Insurers will only reimburse you for the amount not paid by the 1st insurer.

Q6. Can I cover my parents?

A We define dependants as your legal spouse and children between 15 days old (must be discharged well

from the hospital) and 25 years old if the child(ren) is/are still in full-time education and unmarried.

Parents are not considered as dependents in Singapore Group Insurance.

Q7. Is pre-existing condition covered?

A Pre-existing condition will be covered if you are with Vmware for a period of 12 months from the effective

date of coverage. Not applicable to cancer treatments and kidney dialysis.

Q8. Is Hepatitis B Screening, Health Screening and Vaccinations covered?

A No, these are not covered as they are considered as preventive in nature.

Q9. How long does it take to receive my claims?

A You will receive your claims within 4-6 weeks subject to submission of full claims documents. The claims

will only be assessed by the insurer if the documents required are complete.



64

Q10. When I utilize my Medisave/ Medishield Integrated Plan to pay for my treatment, how will my

claim be reimbursed?

A Payment that was made through Medisave and Medishield Integrated Plan will be refunded to the

respective Medisave Account and Medishield Integrated Plan to make good the lifetime limit.

Q11. How do you reimburse claim amount payable?

A The insurer will pay according to the priorities listed below:

1. To the hospital if there is any outstanding amount billed to the insurer (If LOG is utilised).

2. To the claimant via GIRO for any cash payment made on eligible medical bills.

3. To the claimant’s Medisave account.

4. To the claimant’s Medishield plan.

.


ABOUT MERCER MARSH BENEFITS

Mercer Marsh Benefits provides clients with a single source for managing the costs, people risks, and complexities of employee benefits. The network is a combination of

Mercer and Marsh local offices around the world, plus country correspondents who have been selected based on specific criteria. Our benefits experts, located in 135

countries and servicing clients in more than 150 countries, are deeply knowledgeable about their local markets. Through our locally established businesses, we have a unique

common platform which allows us to serve clients with global consistency and locally unique solutions.

IMPORTANT NOTICE: This document does not constitute or form part of any offer or solicitation or invitation to sell by either Marsh or Mercer to provide any regulated

services or products in any country in which either Marsh or Mercer has not been authorized or licensed to provide such regulated services or products. You accept this

document on the understanding that it does not form the basis of any contract.

The availability, nature and provider of any services or products, as described herein, and applicable terms and conditions may therefore vary in certain countries as a result of

applicable legal and regulatory restrictions and requirements.

Please consult your Marsh or Mercer consultants regarding any restrictions that may be applicable to the ability of Marsh or Mercer to provide regulated services or products to

you in your country.










P LE AS E CO NTACT:

[email protected]



I N T H I S T E M P LAT E


Documents

NOTE TO DESIGNER: DIFFERENCES IN LOCAL LEGAL AND … · PLEASE REFER TO THE MMB BRAND GUIDELINES FOR DETAILED INFORMATION. IF IN DOUBT, PLEASE CONTACT: [email protected]