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 ]
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 ]
NHC
Global Corporate - Conditions [PDF - 264 kB ]
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, expenses
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).
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