Benefits Benefits - Singapore : Medical

VMware offers health insurance through Singlife Insurance (with Aviva).

Eligibility

All regular, full-time employees below age 70 years are eligible to enroll in health insurance. You may also enroll eligible dependents. Eligible dependents include:

Spouse or Domestic Partner below age 70
Unmarried or unemployed children between the age of 15 days and 25 years who are dependent on the eligible person for maintenance and support

You and your eligible dependents are enrolled in enhanced hospital and major surgical insurance from your date of hire at VMware. Please note, pre-existing conditions will be excluded under the plan in the first 12 months from date of commencement of insurance coverage.

Benefit

Details

*Hospital & Surgical Benefits per Disability unless otherwise stated**		Plan 1
Room & Board (max 120 days including ICU)		1-Bed (Pte)
		$10,000
Hospital Miscellaneous Services Surgical Benefit (subj. to Surgical Schedule of Fees for private hospital) In-hospital Doctor’s visits/consultation per day (max 120 days)		$20,000
Post-Hospital Confinement/Surgery Follow-up (max 90 days per disability)		$2,500
Pre-Hospital Confinement/Surgery(within 90 days prior to admission) Pre-Hospital Diagnostic X-ray and Lab Tests(within 90 days prior to admission)		$2,500
Emergency Outpatient Treatment Benefit (Bodily Injury caused by Accident) – sought within 24 hours of accident and follow-up within 31 days		$2,500
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.		As per disability
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 12months preceding the Effective Date of insurance coverage of the Insured Member. (Enhance to cover after 12 months waiting period)		$19,000

Definition of Total Disability

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

Major Medical Coverage

All eligible expenses under Group Hospital & Surgical that exceed the policy limits and subject to criteria below:

Group Major Medical Benefits

Major Medical	Plan 1
Room & Board (121st day onwards)	1-Bed (Pte)
Deductible amount	GHS
Co-insurance	20%
Max Limit per Policy Period	$60,000

Group Maternity Benefits – Effective 1st Jan 2021, Maternity Benefits has been included as a part of Flexible Benefits plan administered by IHP

Exclusions

Pre-existing Illnesses prior to joining scheme or company, unless the Insured Person has already been insured continuously for 12 months under this Policy
Congenital anomalies or genetic defects
Treatments which are not medically necessary (e.g. cosmetic, fertility related, weight management etc), routine medical check-ups
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
Transplants, dental treatments, HIV and all other sexually transmitted diseases
Treatment of mental illness, self-inflicted injury, suicide, abuse of alcohol, drug addiction
Disabilities resulting from direct participation in a strike, riot or civil commotion, insurrection, or any act of war (whether declared or undeclared)

Contributions

VMware pays 100% of the premium costs for you and your eligible dependents.

Coverage Begins

Coverage for you and your eligible dependents begins on the first day of your employment at VMware.

Coverage Ends

Coverage for you and your dependents ends on the last day of your employment with VMware.