1. Health Service in Singapore

1. • Singapore has several hospitals that cover the range from privately funded to publicly funded facilities. The quality of service is good and professional in all hospitals (both public and private) but certainly is “World Class” in the more expensive facilities. Most health care professionals in Singapore have been trained in the best programs in the world--in Australia, Britain, the USA and Canada, for example.  There are private clinics in most neighborhoods in Singapore. 

   • The school provides coverage for the insurance where this is a local insurance plan. 

1. Health and Travel Insurance

   • You should obtain personal coverage for the period from the day of departure until your first day at work.  You are personally responsible for that insurance. It is strongly suggested that you obtain personal insurance for the period of travel. The majority of staff buy a year-long travel insurance for themselves and family as it is inexpensive and can use it even when going to Indonesia or Malaysia that are only 20-30 minutes away by car/ ferry.

3. The insurance plan runs throughout 1 August to 31 July each year

• Hospitalisation and Surgery Insurance.  The Teacher and the Teacher eligible Dependants shall be entitled to the benefit of the insurance policy subject to the terms and conditions of such policy (including any exclusions eg. pre-existing conditions or congenital conditions); 

• Outpatient medical.   The Teachers and the Teacher eligible Dependants shall be entitled to the benefit of outpatient medical consultations; 

• Outpatient optical and dental.  The Teacher and the Teacher eligible Dependants shall be entitled to claim reimbursement of outpatient optical and dental expenses; 

• Where applicable, the foreign exchange rate for any claim shall be the rate as determined by CIS in its sole and absolute discretion 

• Maternity.  The Teacher shall be entitled to claim reimbursement of maternity expenses. PLEASE NOTE that the insurance policy purchased by CIS for the teachers of CIS DOES NOT cover medical expenses resulting from any abnormal condition or birth defects of the infant that surfaced or are discovered after fifteen (15) days from the date of birth. 

• Occupational accidents. The Teacher must report immediately to the School Health Coordinators in order to qualify for compensation payments under Singapore Law should this be applicable. 

• The Medical Healthcare & Insurance is underwritten by the School’s appointed local insurance company. Any amendments to the plan coverage of the Insurance shall be at the sole discretion of the School. Should there be a change of the insurance provider or plan, CIS shall inform the employee before the commencement of the new plan (usually before 1 August) and any extension or change shall be informed at least 2 weeks prior to the expiration of the insurance plan where the expiry (usually on 31 July). 

• The flexi benefits are goodwill benefits provided by the school, either directly or through an insurance provider, at the sole discretion of the school. As these benefits are not an entitlement, they may be adjusted or modified at any time as the school deems necessary.