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Charles Art Insurance - Health Insurance

Health Insurance Online Application

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Health Insurance Policy Summary

Yearly maximum up to SG$4,000,000    
Area of Cover
Area of Cover 1. Worldwide
2. Worldwide excluding USA
3. Asia
Outside Area of Cover Emergency treatment only  up to SG$250,000
In-patient and Daycare Treatment
Daily Accommodation Charges Standard single room
Hospital Charges
This benefit pays for hospital charges given between admission and discharge including:
1) diagnostic procedures
2) surgical procedures
3) operating theatre charges
4) nursing care, drugs and dressings
5) surgeons’ and anaesthetists’ charges
6) intensive care unit charges
7) consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it
8) radiotherapy and chemotherapy
9) kidney dialysis
10) computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques
11) special nursing in hospital
Organ transplant Included
Reconstructive Surgery Included
Surgical Implants Included
Companion  Accommodation up to SG$190 per night
Cash Benefit   SG$300 per night
Pre-hospitalization Treatment  (up to 60 days before admission) Included
Post hospitalization Treatment (within 90 days after discharge) Included
Out-patient Treatment
Primary and Specialist Care Included
Surgical Procedures Included
Emergency Treatment due to accident Included
Radiotherapy and Chemotherapy Included
Kidney Dialysis Included
Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans Included
Hormone Replacement Therapy (HRT) Included
Physiotherapy, Occupational Therapy and Speech Therapy Included
Alternative and Wellbeing Medicine  
Consultation and treatment provided and prescribed by a qualified and registered chiropractor, podiatrist, dietitian, naturopath, acupuncturist, homeopath, osteopath, physiotherapist and Traditional Chinese medicine practitioner up to SG$1,600 per year
Vaccination up to SG$2,000 per year
Health Screen up to SG$1,350 per year
Dental Treatment
Accidental Damage to Natural Teeth Included
Oral and Maxillofacial Surgery Included
Routine Dental Care up to  80% of eligible expenses incurred up to SG$1,600 per year
Optical Benefit
Routine Optical Care up to SG$380 per year
Emergency Evacuation and Repatriation
International Emergency Medical Assistance (IEMA) Included
Maternity Benefit
Investigation into Infertility up to SG$2,500 in a member’s lifetime

Pre and Post-natal Complications Included

Pregnancy and Delivery up to SG$19,000

New Born Accommodation Included
New Born Cover
Acute Medical Condition (excluding congenital conditions) Included
Treatment of Congenital Conditionsup to SG$44,000 per year
Other Benefits
Home Nursing Included
Ambulance Transport Included
Psychiatric Treatment up to SG$10,000 per year
Pre-existing Conditions andCongenital Conditions up to Years 1 & 2: SG$3,000
Available only after 270 consecutive days membership 
Subsequent years: SG$6,000
Treatment for HIV / AIDS as a result of occupational accident or blood transfusion up to SG$13,000
per year
Available after 36 consecutive months membership 
Artificial Limbs up to SG$3,800 every 3 years
Medical Aids and Durable Medical Equipments up to SG$600 per year
Hospice and Palliative Care up to SG$52,000 in a member’s lifetime

Available only after 365 consecutive days membership SG$40,000 in a member’s lifetime