Employers must purchase and ensure yearly maintenance of the minimum S$15,000 for inpatient coverage. This insurance covers non-work related medical expenses incurred due to hospitalisation and/or surgery during their contract period in Singapore. The list of expenses that are covered are:
Pre-hospitalisation consultation, surgery consultation and diagnostic services (Within 3 months prior to admission)
4 to 6 bedder wards in Government-restructured hospitals
Intensive Care Unit
Surgery related fees
Post-surgery treatment (Within 3 months after discharge)
Death benefit
Optional coverage against Personal accident (death & permanent disability)