1. Corporate Employee Benefits: Medical Insurance Programme
MyGlobalBenefits Provided by Aviva Ltd, Singapore
Administered by Expat Insurance Pte Ltd

2. Coverage Highlights High Annual Limits of US$2M
No Deductible or Cost Sharing Required by Employee
Global Coverage, excluding elective treatment in USA
Full Accident & Emergency Treatment Covered in USA
Fully Covered Outpatient Benefits
Freedom of Choice for Care
Full Coverage for all Pre-Existing Conditions

3. Summary of Core Benefits
Hospitalization & Day Surgery
Room & Board in Private Hospital, Single-Bed
Fully Covered
X-rays, Lab Tests, Medicine, Diagnostics
Surgeon's Fees (includes pre & post-surgery)
Professional & Specialist Fees
Parental Accommodation
Cancer & Kidney Dialysis
Organ Transplant
Emergency Benefits
Medical Evacuation & Repatriation
Local Ambulance Services
ER or A&E Treatment
Dental Treatment, Accidental Damage Only
Outpatient Benefits
Physician & Specialist Consultations
Prescribed Physiotherapist & Speech Therapy
Alternative Medicine: chiropractor, osteo, homeopath)
$1,500
Medicine & Drugs
Wellness Benefits, 1 visit per year
$300

4. Claims Process Inpatient, Hospitalisation, Surgery
Call the 24-Hour Assistance Hotline:
Provide the following details:
Name of Patient, Date of Birth
Name of Hospital, Date of Admission, Attending Doctor/Surgeon

5. Claims Process Inpatient, Hospitalisation, Surgery
Logon to: expatinsurance.com.sg/reflectgeo
Download & Complete Pre-Hospitalisation Form
Upon approval, Aviva will arrange for
direct settlement with the Hospital/Provider.

6. Claims Process Outpatient Claims Two Options:
Visit a Cashless Outpatient Provider
Visit a Doctor of Your Choice

7. Claims Process Cashless Outpatient Claims
Visit a clinic on the Cashless Directory
Present your medical card at time of visit
Sign the claim form at clinic
4. The clinic will bill Aviva directly

8. Claims Process Outpatient Reimbursement Claims
Logon to: expatinsurance.com.sg/reflectgeo
Download & Complete Medical Claim Form
Post Claim Form & Original Invoice/Receipts to:
Aviva Ltd
Customer Service – Group Health Claims
4 Shenton Way, #01-01 SGX Centre 2, Singapore

9. *Note: All claims must be submitted within 120 days.
Claims Process
Outpatient Reimbursement Claims
Aviva will credit your preferred bank account in the currency of your choice.
*Note: All claims must be submitted within 120 days.
Timeline: Upon receipt of claim form and receipts by post, Aviva will process within two weeks time.

10. Information Portal Your Personal Portal can be found at:
(available from 8 November)
-Employee Benefit Handbooks
-Summary of Benefits, Policy Wording & Definitions
-Claim Forms
-Procedures
-Emergency Contact Numbers

11. Questions? +65 6401 9201 reflectgeo@expatinsurance.com.sg
20 Upper Circular Road
The Riverwalk, #B1-52
Singapore