Raffles Covid Safe Cover

General Conditions

1. Eligibility
Persons eligible for cover under this Policy are aged between 19 and 65 years old (Age Next Birthday), and who sign up for the Raffles Covid-19 Safe Cover via the Raffles Connect application.

2. Area of Coverage
Benefits are payable only if the medical treatment or hospitalization provided to the Insured Person was at Raffles Hospital Singapore.

3. Automatic Termination
Insurance under this Policy in respect of each Insured Person shall be automatically terminated after 7 days after the latest Covid-19 vaccine, or when the Insured Person dies, whichever event happens first.

4. Claims Procedures
Written notice of claim must be provided to Us within 60 days after the occurrence of any event which may give rise to a claim under this Policy, or as soon as is reasonably possible.

All claims shall be made on Our prescribed form and submitted to Us together with all original documentation, itemised bills, receipts and prescriptions. All information required for assessing the claim shall be furnished at the Insured Person’s own expense.

We shall have the right and the opportunity through Our physicians to examine any Insured Person whenever and as often as may be reasonably required within the duration of any claim. We shall bear the expenses incurred in such examinations, unless the claim is proven to be invalid, in which case We shall be entitled to recover all the expenses so incurred from You.

If the Insured Person fails to cooperate with Us in Our admission of the claim, We may at Our discretion, terminate the claim. Such cooperation includes, but is not limited to, providing any information or documents needed to determine whether benefits are payable.

5. Payment Of Benefits
Any benefits payable under this Policy shall be paid to the Insured Person. The Insured Person’s receipt, of any benefit payable under this Policy shall in all cases be deemed final and complete discharge of all Our liability.

Benefits payable under the Policy may be via cheque or credited through interbank GIRO to a Singapore account designated by the Insured Person. Any portion of the eligible expenses paid through the Insured Person’s Medisave will be refunded directly into his/her Medisave account and the remaining balance reimbursed through interbank GIRO accordingly.

6. Currency
All claim payments shall be made in Singapore Dollars and no interest will be added to any amount of benefit payable under this Policy.

7. Change of Terms and Conditions
We reserve the right to amend the terms and provisions of this Policy at any time. We will give you 30 days written notice of such change.

8. Governing Law
This Policy shall be governed by and interpreted in accordance with the Laws of Singapore.

9. Non-Assignment
This Policy is not assignable. We shall not be affected by notice of any trust, charge, lien, assignment or other dealing with this Policy.

10. Legal Proceedings
No action at law or in equity shall be brought under this Policy against Us prior to the expiration of 60 days after the proof of claim has been filed in accordance with the requirements of this Policy nor shall such action be brought at all unless it is issued within 2 years from the expiration of the period within which proof of claim is required under this Policy. If We shall disclaim liability for any claim under this Policy and no action has within 12 calendar months from the date of such disclaimer been commenced against Us, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable.

11. Dispute Resolution / Mediation / Arbitration
All disputes arising out of this Policy may be submitted to the Financial Industry Dispute Resolution Centre (FIDREC) or the Singapore Mediation Centre (SMC) for settlement in accordance with dispute resolution or mediation procedure for the time being in force, if the parties so agree. The parties agree to take part in the dispute resolution / mediation in good faith and undertake to honour the terms of any settlement reached. If any dispute is not referred to FIDREC or SMC for resolution, or if the FIDREC or SMC fails to resolve the dispute, the dispute has to be referred to arbitration. Arbitration shall be conducted in accordance with the arbitration rules of the Singapore International Arbitration Centre.

12. Clerical Error
If a clerical error or other mistake occurs, that error will not deprive You of benefits under the Policy nor will it create a right to benefits. If You make a clerical error (including but not limited to, sending Us inaccurate information regarding addition or termination of coverage under the Policy), We shall not make any retroactive adjustments.

General Exclusions

Unless specifically included in the Schedules or by Endorsements, all medical care, tests and treatment in relation to the following
shall not be reimbursed by Us:

1. If the hospitalization of the Insured Person is caused directly or indirectly by any cause other than the side effects due directly
to the Insured Person from COVID-19 vaccination;

2. If the Insured Person is diagnosed with the side effects of COVID-19 vaccinations outside Singapore;

3. If any dose of the Covid-19 vaccine is administered before the Policy cover start date;

4. Claims submitted after 60 (sixty) days from the last day of hospitalization of the Insured Person will not be accepted;

5. If any of the Covid-19 vaccination was not authorized by the Singapore Health Sciences Authority;

6. If any dose of the Covid-19 vaccine was not administered on the recommendation of a Registered Medical Practitioner;

7. If any of the Covid-19 vaccination results in the Insured Person being hospitalization solely due to the side effects of the Covid-19 vaccination after 7 days from the date the Insured Person received any dose of the Covid-19 vaccine;

8. Admission to a quarantine centre as designated by Ministry of Health (MOH). For the avoidance of doubt, admission to a quarantine centre does not mean hospitalization and is not covered by this Policy.

By proceeding to sign up for the Raffles COVID Safe Cover, you agree to Raffles Health Insurance Privacy Statement