Flexible Benefits

Eligibility

Employee: All regular full-time employees up to retirement age
Spouse: Legal spouse of eligible employee
Child(ren): Unmarried dependent child up to age 25 years

Benefits

Benefit Coverage	Annual Entitlement
Outpatient GP & Specialist (medical treatment)	Employee only – S$1500 Employee & Family with 1 dependent – S$3000 with 2 dependent – S$4500 with 3 dependent – S$6000 Or Max SGD 6,000 regardless of number of dependents
Specialist Treatment including: Vaccination, Chiropractic, Osteopathy, Physiotherapy, Counselling Session /Any expenses incurred for treatment of mental cases. Treatment to improve psychological, mental or emotional well-being. Treatment of sleep disorder and psychiatric conditions other than minor stress, anxiety and depression. Treatment for infertility and family planning. Alopecia (Hair loss) arising due to stress or as a result of ailment / treatment (should not be cosmetic in nature) Treatment for obesity, weight reduction or weight improvement. Any expenses for the use or acquisition of prosthetic appliances such as artificial limbs, hearing aids and others. Medicine prescribed by non-panel doctors or for personal overseas trip. Medicine for treatment of cancer and chronic renal failure Treatment for acne when medically required Geriatric Video and teleconsultation
Pre-Natal -Normal
Vaccination / Immunization
Dental
Fitness & Sports
Health Screening
Health Supplements (Required recommendation letter by health professional)
Traditional Chinese Medicine (TCM)
Vision Care with prescription
Maternity Benefits (New wef 01 Jan 2021)	Normal/vaginal delivery – S$4000 C-section/abdominal delivery – S$5500 Miscarriage/non-elective abortion- S$2000

The Flexible Benefit program is managed through IHP will include panel services where you can enjoy privilege rates at panel clinics on a cashless basis. To enjoy cashless transactions at these clinics, you will need to present your iHP member card at the counter, subjected to terms and conditions. Where transactions cannot be on a cashless basis, you can submit your claim manually through iHP e-Claim System. Panel clinic listings are available for download through IHP Mobile APP.

Note: New employees and their dependents are eligible from date of hire. Pro-ration amount applies if he/she does not complete the full financial year of service during his first & last year of employment at VMware.

Exclusions

Any cosmetic or plastic consultation/surgery or dietary products, unless advised by the doctor/dentist due to health and medical reasons.
Expenses arising out of and during employment which constitutes a valid claim under the Workmen’s Compensation Act and other insurance plans under Company.
Expenses incurred in respect of illness or disablement arising from self-inflicted injuries or illness caused by misconduct, attempted suicide; performance of an unlawful act; exposure to any unjustifiable hazards; participation in activities beyond the Company’s scope of duties, the use of drug, alcohol abuse, any breach of the peace or disorderly conduct
Expenses for sexually transmitted diseases, lifestyle medication, Viagra, slimming pills, House calls, Circumcision, Plastic or cosmetic surgery, Treatment for acne for cosmetic purpose, Any expenses on self-requested treatment, Treatment not medically necessary, Homeopathy, Ayurveda
Consumer products; medicated soap or shampoo, skin lotion or moisturizer, other derma products
Reject retail item if it is not prescribed or not related to diagnosis

Reimbursement Process

You may submit your claims via iHP e-claim system at https://eclaim.ihp.com.sg/eclaim/.
User ID: Last 4 characters of your NRIC/FIN/Passport followed by your date of birth (DDMMYYYY) E.g. 567A01011970
Password: Date of birth in DDMMYYYY format, or your most recent web portal password if you have recently changed it

Additional Notes:

Claims submitted on or before the month-end will be paid in the following month’s payroll
Original receipts of rejected claims will be returned to the employee
It is good practice to keep a copy of the receipts you have submitted

Claim Processing Timeline

You will be reimbursed via monthly payroll.

Reimbursement Schedule

Task	Deadline
Employee to email receipts to IHP	Before the last working day of the month
Grace period for year-end submission	Claims incurred in each calendar year must be submitted by 31st Jan of the next financial year

Working day before if the specified day falls on weekend or public holiday

Making Changes

For existing employees, the enrollment window will be open effective Annual Enrolment Period within which you can make alterations to your benefit selections or when you have a qualified life event listed below:

If you experience a qualified life event and want to make changes to your enrollment you should notify HR Source [VMware network access required] within 30 days of the life event.