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Overview

A personal and family medical insurance plan that allows you to choose any doctor, clinic or hospital in the world. Select from 5 plans with a range of policy options.

 

PROHealth is a medical insurance plan that gives you and your family access to comprehensive medical care whether in Singapore or abroad. 

Protect yourself from rising medical costs with full medical coverage, including pre-hospitalization, post-hospitalization and outpatient benefits. You can also choose from a range of policy options for coverage that’s tailored to your needs.

This plan comes with a 30-day free-look privilege, so you can decide if it’s right for you.

Benefits

Full medical coverage

Get complete medical insurance cover of up to S$3.8 million per year from selected Prestige plans with no co-payment. Full underwriting is done when you apply, so there are no surprises when you make a claim.

Comprehensive medical care — worldwide

With worldwide coverage, you have the freedom to select any hospital or clinic anywhere in the world, including North America. Or you can choose to exclude North American coverage for a lower premium.

Choose your deductible and outpatient co-insurance

Choose from a range of annual deductibles from S$0 to S$6,000 and co-insurance for outpatient treatments of up to 20%, to suit your preferred coverage and financial comfort level. Pay a higher deductible for lower premiums, or vice versa.

Optional benefits, including dental cover

You can add dental cover of up to S$800 per year for routine dental treatment and up to S$1,800 per year for major reconstructive dental work, excluding purely cosmetic procedures. Other options include maternity benefits and direct billing at our panel of clinics for selected plans (Prestige Plus B and Prestige Plus C).

24-hour emergency assistance

You have access to emergency medical assistance, medical evacuation and emergency travel-related assistance anywhere in the world from AIG’s own worldwide assistance service. Assistance is just a phone call away.

Coverage

PROHealth is for individuals and families residing in Singapore.

At the time of application:

  • The main applicant must be between 18 and 65 years old.
  • Family members must be between the ages of 16 days and 65 years.

For a family plan, you can include your spouse and any unmarried children 18 years old and below. You can add:

  • Your unmarried children of up to 23 years of age if they are enrolled full-time in a recognised institution of higher learning.
  • Your newborn child 15 days after birth, upon request. Your newborn will enjoy free cover for the remainder of the policy year provided the mother is insured under a plan with maternity benefit.

Note: Children can be added only if a parent or a legal guardian is insured under the policy.

All PROHealth plans include:

  • Comprehensive medical insurance plan that covers you wherever you are
  • Up to S$3.8 million per year coverage for inpatient and outpatient treatments*
  • Covers outpatient surgery and private nursing during post-hospitalisation*
  • Covers for expenses incurred due to pregnancy complications even without maternity benefits selected
  • Medical Second Opinion services for any diagnosed condition
  • 24/7 emergency medical assistance, evacuation and repatriation
  • 24/7 emergency travel assistance
  • Option to add dental cover
  • Dedicated members’ portal for on-line claims services
  • Direct settlement for outpatient services*
  • Choice of annual deductibles and/or outpatient co-insurance
  • Full underwriting at application, not at claims stage

Compare the five PROHealth plans below:

Plan

Prestige A

Prestige B

Prestige Plus A

Prestige Plus B

Prestige Plus C

Area of coverage

Worldwide

Worldwide or option to exclude North America and the Caribbean exclusion

Worldwide

Worldwide or option to exclude North America and the Caribbean exclusion

Worldwide or option to exclude North America and the Caribbean exclusion

Maximum coverage

Up to S$300,000 per policy year

Up to S$3,800,000 per policy year

Up to S$300,000 per policy year

Up to S$3,800,000 per policy year

Up to S$3,800,000 per policy year

Choice of deductibles and co-insurance

Nil to S$6,000 deductible and/or up to 20% co-insurance per policy year

Nil to S$6,000 deductible and/or up to 20% co-insurance per policy year

Nil to S$6,000 deductible and/or up to 20% co-insurance per policy year

Nil to S$6,000 deductible and/or up to 20% co-insurance per policy year

Nil to S$6,000 deductible and/or up to 20% co-insurance per policy year

Key benefits

Basic coverage

Comprehensive in-patient coverage

Basic coverage for in-patient and out-patient coverage

Comprehensive in-patient and out-patient coverage

Comprehensive in-patient and out-patient coverage with maternity cover of up to S$12,500 per pregnancy

*Applicable for selected PROHealth Plans, subject to terms and conditions.

For full details and premiums, download the product summary.

To file a claim, please click here.

View the list of PROHealth FAQs.

Buy This Plan

To buy the PROHealth plan, fill in the Individual and Family Application Form.

Product information:

Application forms:

Questionnaires:

Other forms: