Falling sick in Singapore can be a financial drain if the illness requires specialist consultation, hospitalisation or surgery as international students are not eligible for hospitalisation and surgery subsidies. International students without a local insurance policy are required to pay a large cash deposit if they are hospitalised.
To avoid the inconvenience and costs of the above, the ISC has arranged a GHSI scheme for all international students. It is compulsory for all full-time international students to subscribe to the GHSI scheme.
Eligibility
All full-time international students (non-Singapore citizens and Singapore Permanent Residents) are required to take up the Scheme. Students whose candidatures are subsequently converted to part-time status will not be covered under the Scheme. Singapore citizens who wish to subscribe to the Scheme may do so by signing up directly with the insurance company.
Period of Coverage
| Student Category |
Period of Coverage |
| Undergraduate students |
By academic year. It is automatically renewed for each academic year till graduation |
| Non-graduating/ Exchange students (Inbound) |
Minimum coverage period is 6 months. |
| Graduate students by research |
From the month of registration for graduate studies till end of the academic year. It is renewable for each academic year until graduation. |
| Graduate students by coursework |
By academic year. It is renewable for each academic year till graduation |
Insurance Premium
Please see table below for the rates that apply for your admission status:
Full-Time Undergraduate and Graduate Students
|
Age |
Premium Payable (S$) |
|
Below 39 Yrs Old |
$69.00 |
|
40 Yrs – 50 Yrs |
$267.75 |
|
51 Yrs – 55 Yrs |
$323.40 |
|
56 Yrs – 60 Yrs |
$410.55 |
Short-Term Students (e.g. Exchange and Non-Graduating Students)
|
Duration to be covered |
Premium Payable (S$) |
|
1 semester |
$34.50 |
|
2 semesters |
$69.00 |
Benefits and Coverage
Click on the relevant academic year to view the list of benefits and coverage that would apply:
Outpatient Treatment
The GHSI scheme does not cover outpatient treatment except for those benefits stated in paragraph 1.2 of the attached list of benefits and coverage. Full-time graduate students are allowed to visit the NTU Medical Centre for outpatient treatment at their own expense.
Application
| Undergraduate students |
No application is required. Subscription is automatic. |
| Non-graduating/ Exchange students (Inbound) |
To fill up the GHSI Participation Form |
| Graduate students by research |
First year students are required to fill up the GHSI Participation Form. Coverage for subsequent years is automatic for students with research grants. |
| Graduate students by coursework |
To fill up the GHSI Participation Form |
Payment
| Undergraduate students |
Premium will be reflected in the student bill. |
| Non-graduating/ Exchange students (Inbound) |
Payment has to be made at the time of registration by cash, NETS or cheque in favour of "Nanyang Technological University". |
| Graduate students by research |
Premium will be deducted from the research stipend. |
| Graduate students by coursework |
Payment has to be made at the time of registration by cash, NETS or cheque in favour of "Nanyang Technological University". |
Refund
Students who have paid the premium for the whole year (i.e. from 15 July 2006 to 6 Aug 2007) but have
-
completed your course earlier
-
withdrawn from your course
-
converted to part-time candidature before 6 Aug 2007
can apply for a refund of the premium paid for the additional month(s). Do note that the amount of refund must be at least S$10.70. Students will not be able to ask for refund if they have made any insurance claim during the year.
Please submit a written request to the ISC, enclosing a copy of the letter certifying the date of completion/withdrawal/conversion to part-time candidature.
Claim Procedure
Complete the Healthcare
Medical Claim Form and attach all original receipts. The claims should be submitted within 60 days from the date of the receipt. You should notify the ISC with brief details of the claim and the reason for the delay if you are unable to submit the claims within 60 days. Section III of the claim form has to be filled up by the doctor only for claims that are S$500.00 or more. The ISC will submit the claim to the insurance company and inform the students once the outcome of the claim is known.
FAQ (Frequently Asked Questions)
You can view a list of
FAQs here.
Clarifications
For other queries, please contact
ISC.
