All limits are per person, per disability. Covers 24 hours worldwide.
| Benefit | Limit |
|---|---|
| Room and board (up to 120 days incl. ICU) | Single bed, private standard |
| Intensive care unit | 3x daily room rate |
| Hospital miscellaneous (incl. implants) | Covered |
| Ambulance | S$100 |
| Surgical fees | Per surgical schedule At private/overseas, schedule applies for fees > S$1,000 |
| In-hospital doctor visits (up to 120 days) | Covered |
| Pre-hospitalization specialist consult, diagnostics | Within 120 days before admission |
| Post-hospitalization follow-up (incl. TCM, physio) | Within 120 days after discharge |
| Combined limit (misc, surgical, doctor, pre/post-hosp) | S$27,000 per disability |
| Emergency outpatient (accidents only) | S$2,500 |
| Medical report fees | S$100 |
| Death benefit | S$3,000 |
Kicks in when hospitalization expenses exceed GHS limits. Per person, per disability, per year.
| Benefit | Limit |
|---|---|
| Room and board | Single bed, private standard |
| ICU, hospital misc., surgical, in-hospital doctor | As charged up to GMM limits |
| Pre/post-hospitalization (within 120 days of discharge) | S$5,000 |
| Outpatient kidney dialysis and cancer treatment | S$40,000 per year |
| Reimbursement rate | 80% of excess |
| Your copay (20%) | Capped at S$20,000 out-of-pocket |
| Overall GMM maximum | S$300,000 per disability/year |
Per person, per year. No copayment, no sub-limits on Core Plan.
| Benefit | Limit |
|---|---|
| Annual maximum | S$2,500 per year |
| GP consultation | As charged |
| Specialist consultation | As charged |
| Teleconsultation | As charged |
| X-ray and lab tests | As charged |
| Specialised diagnostic scans | As charged |
| Prescriptions | As charged |
| Menopause support | As charged |
| Physiotherapy | As charged, no copay |
| Chiropractic | As charged, no copay |
| Traditional Chinese Medicine (TCM) | As charged, no copay |
Per person, per year. Combined limit for dental and optical.
| Benefit | Limit |
|---|---|
| Combined annual maximum | S$2,200 per year |
| Dental | |
| Basic dental (consultation, scaling, polishing, fillings, X-rays, extractions) | As charged |
| Root canal | As charged |
| Major dental (crowns, bridges, orthodontics, braces, dentures, implants, mouth guards) | As charged 50% copay |
| Optical | |
| Eye exams (optometrist or ophthalmologist) | Within S$1,000 optical cap |
| Prescription glasses (1 frame or 1 pair of lenses per year) | Within S$1,000 optical cap |
| Prescription contact lenses | Within S$1,000 optical cap |
| ZEISS Optical Inserts for Apple Vision Pro | Within S$1,000 optical cap |
| Optical sub-cap | S$1,000 within S$2,200 overall |
Per person, per year. Separate from dental and optical.
| Benefit | Limit |
|---|---|
| Annual maximum | S$1,500 per year |
| Health screenings | As charged |
| Vaccines and immunizations | As charged |
| COVID-19 ART self-test kits | 5 kits per month |
Per pregnancy. 10% copayment at private hospitals only; no copayment at government/restructured hospitals.
| Benefit | Limit |
|---|---|
| Normal delivery | S$10,000 10% copay at private |
| Caesarean delivery | S$10,000 10% copay at private |
| Prenatal and postnatal care | S$10,000 10% copay at private |
| Miscarriage (incl. ectopic, legal elective abortion) | Covered under GHS |
| Maternity complications (C-section not counted) | Covered under GHS |
| Newborn care (up to 14 days) | Covered under GHS |
Per person. Included in the Core Plan at no extra cost.
| Benefit | Limit |
|---|---|
| Outpatient kidney dialysis and cancer treatment | S$40,000 per year |
| Autism and neurodevelopmental disorders (inpatient/outpatient, incl. therapies) | S$20,000 per year |
| Fertility treatment (incl. egg freezing) | S$10,000 per year |
| Sleep apnea and rehabilitation | S$8,000 per year |
| STD/AIDS/HIV | GHS limits (preventive prescriptions/vaccinations capped at S$6,500/year) |
| Outpatient psychiatric (incl. Lyra EAP referrals) | S$4,000 per year |
| Outpatient contraceptive | S$1,000 per year |
| Mobility aids (crutches, wheelchair, walkers, etc.) | S$300 per year |
| Inpatient psychiatric treatment | GHS limits |
| Congenital anomalies and hereditary conditions | GHS limits |
| Inpatient menopause/andropause support | GHS limits |
| Inpatient contraceptive | GHS limits |
Each family member has their own individual limits. These totals assume all 4 members fully utilise their benefits.
| Category | Per Person | Family of 4 |
|---|---|---|
| Outpatient GP and Specialist | S$2,500 | S$10,000 |
| Dental and Optical | S$2,200 | S$8,800 |
| Wellness (Preventive Care) | S$1,500 | S$6,000 |
| GHS (Surgical, misc, doctor, pre/post-hosp) | S$27,000 | S$108,000 |
| GMM (Major Medical) | S$300,000 | S$1,200,000 |
| Annual Premium | S$1,752 |
| Claims app | DA ONE by DoctorAnywhere |
| Submit claims within | 180 days from discharge or expense date |
| Hospital admission | Request Letter of Guarantee (LOG) via DA ONE app |
| Enroll dependents within | 30 days of hire date or life event |
| All children must be enrolled | Cannot selectively enroll only some children |
| WTW Hotline | +65 6577 1123 (Mon-Fri, 9am-6pm) |
| WTW Email | apple.singapore@wtwco.com |
| HSBC Life 24/7 Hotline | +65 6797 8773 |
| Benefits Portal | Apple Benefits Portal |