www.tellusforsakring.se

                                
SINGAPORE
AIRLINES
INSURANCE



SINGAPORE AIRLINES
Medical Health Insurance scheme for employees

Tellus Insurance Advisory Services Ltd offers pilots of Singapore Airlines and their families a favorable medical health insurance. The insurance is offered through  NHC Global, a division of Europeiske, and a subsidiary of Munich Re. The insurance company has long experience of medical health insurance. Tellus has specialized, since 1991, in providing people who live and work abroad with insurances solutions tailored to their needs.

A medical health insurance covers the expenses which derive from hospitalization or a doctor’s visit. The insurance coverage is worldwide and you have a free choice of hospitals and doctors. In this medical health insurance you are also able to cover your family members. You have a choice of four different standard covers, depending on how high the insured sum per year should be and also what the insurance should cover, for example pregnancy and birth. For outpatient treatment you also have four different choices depending of what kind of cover you would like. You therefore have a flexible possibility to adjust the insurance cover to fit you and your family.

 

INSURANCE SCHEME WITH NHC GLOBAL


Information about NHC / Europeiska can be found below. NHC was earlier called IHC.

Ownership
Europæiske Rejseforsikring A/S was the first provider of travel insurance in Denmark and has maintained the leading position in the travel insurance market. Europæiske was founded in 1921 and is a subsidiary fully owned by the German company Europäische Reiseversicherung AG, which again is fully owned by the world´s largest reinsurance company Munich Re (Standard & Poor´s rating A+).

Network
Europæiske Rejseforsikring A/S has more than 80 years' experience in providing safety and security to travellers and expatriates worldwide. Europæiske has a comprehensive network, which includes an in-house 24-hour AlarmCentre (Euro-Alarm A/S) in Copenhagen and 14 service offices located worldwide. The AlarmCentre and the service offices have close ties to local authorities, hospitals and clinics and other suppliers all over the world.

Organisation
The NHC products have been developed in close cooperation with Europæiske´s sister companies (in Sweden, England, Spain, Germany, France, Poland, Italy and the Czech Republic) within the ERV Group, and the insurances are now being sold with Europæiske Rejseforsikring A/S as the risk carrier and administrator.

For more information about NHC / Europeiska please see their website www.nhcglobal.com 

 

SUMMARY OF THE INSURANCE SCHEME


INSURANCE STRUCTURE

  • Insurance Company: NHC Global

  • Policyholder: The pilot will be the policyholder for his own family. Therefore no signature from SIA are needed.

  • Insured persons: Pilots employed by Singapore Airlines + spouses and children. The family of a pilot can not be insured without the pilot also being insured in the scheme. If only the family should be insured they need to apply for a NHC Private insurance instead.

COVERAGE

  • The insurance is based upon four different standard covers; Platinum, Gold, Silver, Basic. 

  • The pilot and the spouse can choose different standard covers and different deductibles.

  • For USA, Canada and Bahamas the insurance only cover acute illness and injury.

  • Rest of the world is Worldwide coverage with full insurance coverage.

  • The insurance covers any medically necessary/justifiable patient transport to hospital.

  • Supplementary covers which can be choosen are: Dental cover, funeral, personal accident and travel protection. The supplementary covers are choosen on indiviual basis.

CHILDREN

  • Children must have the same standard cover and deductible as one of the parents.

  • Insurance cover can not be taken out for children, who are not sharing the residential address of the insured parent(s).

  • For periods up to 2 years the insurance can be extended to cover children, who are studying abroad.

PREMIUMS

  • The premiums found on the application forms are including group discount.

  • Danish tax will be added to the given premium and will amount to approx 5% the first year. The following years the tax will amount to approx 0,1%.

  • Each family will receive an invoice which should be paid directly to the insurance company.The insurance can also be paid with credit card through Internet.

  • Each family chooses themself if they wish to pay the premium annually or semi-annually. 

  • Premium payment can be done to a bank account in either Denmark, England, Sweden, Germany or Spain. Payment by credit card are available.

  • The insured person will stay in their age bracket from when the insurance was taken out during the entire insurance period. This means they will not have any premium increase due to age. The insured person will still have annual index adjustment of the premium. 

  • The insurance must at least run for 6 months but after this date it can be cancelled at any given time. Unused premium will be paid back to the insured persons.

 APPLICATION FORMS

  • The application forms can be found further down under the section Download. 

  • The pilot needs to include a copy of his Crew Member Certificate (blue ID-Card) together with the application. 

  • If everyone in the family is having the same coverage, only one application is needed for the family.

  • The pilot and the spouse can choose different standard cover but children must have the same coverage as one of the parents. In this case each insured person should fill in one application, the children can be included in the application of the parent which cover they have choosen.

  • Supplementary covers are choosen on indiviual basis which means that this can be different for all the family members. Even children can have theire own supplementary cover without any of the parents having the same supplementary cover.

  • The application forms can be sent either by post, fax or email to Tellus but we do need the original application form later on for our file so please send it also by postal mail.

  • Medical Health Declaration - everyone have to fill in a health declaration. This form must also be sent in original to Tellus.

More information can be found in the application and information forms and also in the NHC corporate conditions. The different applications, premiums and conditions can be downloaded further down on this website.

 

CONTACT INFORMATION


Postal Address

Tellus Försäkringsrådgivning AB
Regnbågsgatan 8A
417 55 Gothenburg
SWEDEN

Telephone / Fax / E-mail

Tel: +46-31-779 0830
Fax: +46-31-779 0680
E-mail: info@tellusforsakring.se (Please write questions in english)
www.tellusforsakring.se

 

DOWNLOAD - APPLICATION FORM AND CONDITIONS


Here you can download the application, conditions and premiums for the NHC insurance product. All the documents are in the format PDF and is readable with PDF reader which you can download for free from www.adobe.com

NHC Global Corporate - Application [PDF - 233 kB ]

  • This document contains the following:

  • Application

  • Premiums with and without deductible for the different covers.

 

NHC Global Corporate - Benefits [PDF - 157 kB ]

  • This document contains the following:

  • Information about the different standard covers; Platinum, Gold, Silver, Basic.

  • Information about the outpatient modules

  • information about the different supplementary cover.

 

NHC Global Corporate - Health Declaration [PDF - 331 kB ]

  • This document must be filled in by every applicant applying for an insurance with NHC Global.

 

NHC Global Corporate - Conditions [PDF - 264 kB ]

  • This document contains all the conditions applying for the insurance.

 

Where to send the application form?

  • The application can be faxed (+46-31-7790830) or sent by e-mail to info@tellusforsakring.se to start the insurance. 

  • The original application must be sent by postal mail to Tellus together with the a copy of the crew member certificate. See full address to Tellus in the left menu under the heading "Contact information". 

  • Also see the important information under the section Application form in the heading "Summary of the insurance scheme".

 

QUESTIONS & ANSWERS


If you can't find an answer to your question below please contact Tellus

Who is NHC / Europeiska?
NHC means Nordic Health Care. You can find more information on their website
www.nhcglobal.com

Who is Tellus?
Tellus is Tellus Försäkringsrådgivning (Tellus Insurance Advisory Services) and more information can be found on the website www.tellusforsakring.se

SIA Group Scheme  for all pilots?
All pilots and their families of the SIA group can join this insurance scheme.  

Which insurance company is offering this insurance?
NHC Global

Who will be Policyholder?
The pilot will be the policyholder for his own family. Therefore no signature from SIA are needed.

Who can be Insured?
Pilots employed by Singapore Airlines + spouses and children. The family of a pilot can not be insured without the pilot also being insured in the scheme.

Standard covers?
The insurance is based upon four different standard covers; Platinum, Gold, Silver, Basic. 

Must everyone have the same cover and deductible?
The pilot and the spouse can choose different standard covers and different deductibles.

Where is the insurance valid?
For USA, Canada and Bahamas the insurance only cover acute illness and injury. Rest of the world is Worldwide coverage with full insurance coverage.

Medical evacuation?
Medical evacuation is standard in all standard covers. The insurance covers any medically necessary/justifiable patient transport to hospital.

Health Declaration
Everyone must fill in the form Health Declaration when applying for an insurance. 

Supplementary cover
Supplementary covers which can be choosen are: Dental cover, funeral, personal accident and travel protection. The supplementary covers are choosen on indiviual basis.

Which insurance can children have?
Children must have the same standard cover and deductible as one of the parents. Insurance cover can not be taken out for children, who are not sharing the residential address of the insured parent(s). For periods up to 2 years the insurance can be extended to cover children, who are studying abroad.

Do I need to add any loading or discount to the premium on the application form?
The premiums found on the application forms are including group discount.

It says on the application that tax will be added to the premium, how much is the tax?
Danish tax will be added to the given premium and will amount to approx 5% the first year. The following years the tax will amount to approx 0,1%.

Will there be individual invoices or a group invoice?
Each family will receive an invoice which should be paid directly to the insurance company.

Is the premium payable annually or semi-annually?
Each family chooses themself if they wish to pay the premium annually or semi-annually. 

How can the premium be paid?
Premium payment can be done to a bank account in either Denmark, England, Sweden, Germany or Spain. Payment by credit card is also available.

Will I receive premium increases due to age?
The insured person will stay in their age bracket from when the insurance was taken out during the entire insurance period. This means they will not have any premium increase due to age. Children (0-17) will when they turn 18 get an adult premium (bracket 18-24) but they will not get any more premium increases due to age. The insured person will still have annual index adjustment of 5% added to the premium but this has nothing to do with the age of the insured person. 

When is it possible to cancel the insurance?
The insurance must at least run for 6 months but after this date it can be cancelled at any given time. Unused premium will be paid back to the insured persons.

Which documents are needed for an insurance?
The pilot needs to include a copy of his Crew Member Certificate (blue ID-Card) together with the application and the Health Declaration. The family only needs to submit the application and the Health Declaration. If everyone in the family is having the same coverage, only one application is needed for the family but each family member needs to fill in a Health Declaration.

Must everyone in the family have the same insurance coverage?
The pilot and the spouse can choose different standard cover but children must have the same coverage as one of the parents. In this case each insured person should fill in one application, the children can be included in the application of the parent which cover they have choosen.

If Supplementary covers are choosen, must everyone in the family have the same coverage?
Supplementary covers are choosen on indiviual basis which means that this can be different for all the family members. Even children can have theire own supplementary cover without any of the parents having the same supplementary cover.

How and where should the application for the insurance be sent?
The application forms can be sent either by post, fax or email (see address below) to Tellus but we also need the forms in original later on.

Tellus Försäkringsrådgivning AB
Regnbågsgatan 8A
417 55 Gothenburg
Sweden
Tel: +46-31-7790830
Fax: +46-31-7790680
Email: info@tellusforsakring.se

When do I need to fill in the medical health declaration?
Everyone applying for an insurance needs to fill in this form. This form must be sent in original to Tellus by post.

What happens with the insurance when I leave Singapore Airlines?
The Singapore Airlines insurance is a group insurance so the insured person needs to switch to a NHC private insurance instead.

What is covered in connection with mammography?
Question to NHC: If an insured female would feel something in her breast and would like to have it examined. Would the insurance cover this mammography?
Answer from NHC: Yes in this case the insurance company will cover the expenses as this is not preventive care but an actual medical case.

Receipts for claims - when can the receipts be sent to the insurance company?
Question to NHC: As soon as the client receives as receipt which should be covered by the insurance, can the insured person send the receipt together with the claim form to NHC even if there later on may be more receipts regarding the same illness/Injury. Especially in Singapore there can be many receipts before something is 100% cured and the insured persons don’t want to have the situation where they have to pay up to 1000 EUR before they receives any compensation from the insurance company just because the illness/injury is not cured/finished yet.  
Answer from NHC: Yes, they can send their claims even though the treament is still going on. For those who want to wait (small claims thoughtout the year) can wait to to max. 2 years. 

A longer explanation regarding that NHC do not cover known congenital diseases
The insurance does not cover known congenital diseases. For children, which birth has been covered by the insurance, e
xpenses for treatment of birth defects, inherited disorders or malformations together with conditions caused by these disorders are covered up to a maximum of EUR 40,000 per childbirth for the whole insurance period including the first month, where the child is covered by the mother’s policy.

Outpatient Surgery – what does this mean? 
Surgery performed as a outpatient service i.e. the patient is not admitted and leaves the treating facility more or less directly after the surgery (and does not stay over night). 

 

 

 



Contact person at Tellus

Your direct contact person at 
Tellus regarding questions about 
the insurance plan for 
Singapore Airline pilots is:



Kerstin Nyqvist
Tel +46-31-779 0830
Fax: +46-31-779 0680
kerstin@tellusforsakring.se

Monika Johansson 
Tel +46-31-779 0830
Fax: +46-31-779 0680
monika@tellusforsakring.se  



Tellus Insurance 
Advisory Services Ltd. 

specializes in providing secure, flexible insurance coverage for
 people who work and live abroad. We supply our clients with 
the best insurance solutions
 based upon their individual
 needs.

 

Application forms

  • The application form is found in the menu to the left under the headline "Download - application form and conditions".

  • The application can be faxed (+46-31-7790830) or sent by e-mail to info@tellusforsakring.se  
    to start the insurance. 

  • The original application must be sent by postal mail to Tellus together with the a copy of the crew member certificate. See full address to Tellus in the left menu under the heading "Contact information". 

 

 
 
 
 
 
 
 
 
 
 
 

Copyright © 2008, Tellus Försäkringsrådgivning AB, Mikael Börjesson

Tellus Försäkringsrådgivning AB
Regnbågsgatan 8A
SE-417 55 Göteborg
SWEDEN

Telephone: +46-(0)31-779 0830
Fax: +46-(0)31-779 0680
E-mail: info@tellusforsakring.se
website: www.tellusforsakring.se