GROUP CLINICAL OUPATIENT –

MEDIGUARD

COVERAGE
This is an outpatient scheme designed specially to provide for outpatient
consultation. We have made available a panel of General Practitioners to
cater to your clinical expenses for common ailments like coughs, colds, flu
and the like.

If you visit a panel General Practitioner for care and treatment, you will not have to fork out
any cash for consultation or medicine. It is a completely hassle-free experience through our
panel clinics that are well located across Singapore. This ensures that there will always be
a clinic near your workplace or place of residence.
If you require emergency outpatient treatment at the Accident & Emergency Department of
a hospital, we will fully reimburse such expenses up to the Maximum Amounts specified.
If you incur expenses for care and treatment performed by a General Practitioner who
is not a Panel General Practitioner we will reimburse such expenses up to the Maximum
Amounts specified (a deductible amount may be payable by the insured member).*

EXCLUSIONS
1. Special nursing care, general physical or medical check-up or tests not incidental to
the treatment or diagnosis of an actual Sickness or Injury or any treatment which is not
medically necessary.
2. Care and treatment performed by a Specialist.
3. Special investigations (e.g. MRI, CT Scan, Barium Test).
4. Any expenses incurred in relation to any type of therapy (e.g. physiotherapy) or
dialysis.
5. Preventive check-up, pap-smear tests for ladies and vaccinations (e.g. hepatitis
vaccinations, vaccinations for children such as DPT, MMR).
6. Any expenses incurred in relation to mental or psychiatric cases, pregnancy,
confinement, miscarriage, ligation or abortion, cosmetic surgery and sex change
operation.
7. Any expenses incurred in relation to illness or disablement arising from attempted
suicide, any unlawful act or misuse of drugs.
8. Any expenses incurred in relation to illness or disablement arising from self-inflicted
injury, venereal disease, AIDS or any illness caused by the misconduct or negligence
of the Insured Members.
9. Any expenses incurred in relation to medical, surgical, dental, optical and other
appliances (e.g. spectacles, contact lenses and artificial limbs).
Please refer to the Policy Contract for detailed terms & conditions.

10. Any expenses, including investigations, incurred in relation to illness and disablement
during or in the course of employment which constitutes a valid claim under the
Workmen’s Compensation Act, Singapore.
11. Any surcharge incurred due to visits outside the normal operating hours of the clinic.
* This benefit is dependent on the plan that you take up.