• Receive Daily Cash Allowance when hospitalised up to 500 days, in addition to any other Hospital & Surgical Insurance plans that you already own.
  • Enjoy Double Indemnity for Cash Allowance if the hospitalisation arises from an accident.
  • Enjoy Triple Indemnity for Cash Allowance whilst in Intensive Care Unit (ICU).
  • Cashless Admission to any Hospitals in Singapore with Letter of Guarantee and Payment of In-patient hospitalisation expenses.
  • Recuperation Grant whilst you regain your health.
  • Full coverage for all Surgical Procedures.


Per Disability Limit (Unless otherwise indicated) (SGD) Plan 1 Plan 2 Plan 3
A. Hospitalisation Expenses
1. Due to Illness $5,000 $3,000 $2,000
2. Due to Accident $10,000 $6,000 $4,000
B. Daily Cash Allowance During Hospitalisation
1. Due to Illness (up to 500 days) $200 $150 $100
2. Due to Accident (up to 90 days) $400 $300 $200
3. When warded at Intensive Care Unit (up to 30 days) $600 $450 $300
C. Discharge Transportation Grant
For your return trip home on discharged from hospital $50 $50 $50
D. Recuperation Grant
For you to recuperate and regain your health $200 $150 $100
E. Special Grant (Death due to accident only)
A compassionate cash benefit $1,000 $1,000 $500
24-Hour Worldwide Emergency Assistance Services
Free access to Emergency Assistance 24/7 anywhere in the world for: Travel Assistance and Medical Assistance
Letter of Guarantee for Cashless Admission

Letter of Guarantee for Cashless Admission to Any Hospitals in Singapore & Payment of In-patient Hospitalisation incurred locally

  • • For admission, please contact our customer service officer via our hotline at 6461 6555,  Mondays to Fridays, 9am to 5pm (excluding weekends and public holidays) at least 5 days in advance (not applicable to admissions due to accident).
  • • Emergency Admission – Any Admission after office hours or weekends, including overseas admission will be on a reimbursement basis.

• Benefit A2 is payable in lieu of Benefit A1.
• Benefit B2 is payable in lieu of Benefit B1.
• Benefit B3 is payable in lieu of Benefit B2 or B1.

Other Additional Benefits:
• Free choice of hospitals and no sub-limits for Inpatient Benefits
• Full cover for contagious diseases such as SARS
• No surgical table i.e. full cover for all surgical procedures
• No deductible
• Renewable up to age 80 if it is renewed consecutively with no policy lapse after age 60
• 30 days' grace period if you forget to renew the policy


MediLite provides additional cash without greatly impacting your finances.

Auto Renewal via GIRO payment of annual premiums is available!
Click to download Interbank GIRO Application Form.

Instalment Payment Plan 6 or 12 months 0% Interest fee Instalment Payment Plan is available! Simply complete and sign Credit Card Instalment Payment Plan Application Form and submit to our office with your application form.
Click to download Credit Card Instalment Payment Plan Application Form.

Annual Premium (SGD, inclusive of GST) Plan 1 Plan 2 Plan 3
Age Band
(Unisex, based on Age Next Birthday at Commencement or Renewal Date)
Child to 55 $546.77 $403.39 $264.29
56 – 80 (Ages 61-80 are for renewal only) $1,265.81 $937.32 $612.04

"Child"/"Children" refers to unmarried and unemployed natural child/children, legal step-child/children and legally adopted child/children who is/are aged 14 days old (provided the child/children is/are discharged from the hospital in a healthy condition) and is/are below 19 years. Applications for child/Children must be accompanied by at least 1 parent.


  • Applicants/Named Insured Persons should be domiciled in Singapore
    • Singaporean, or
    • Singapore Permanent Residents or
    • Foreigners on Employment Pass or holding passes with at least 12 months validity remaining from the proposed inception date of the application.
  • Age (based on Age Next Birthday), is between 14^ days old to 60 years old.
  • “Child/Children” refers to unmarried and unemployed biological child/children, legal step-child/children and legally adopted child/children who is/are aged 14^ days old is/are below 19 years. Applications for child/children must be accompanied by at least 1 parent.

Important Note:
^Provided the child/children is/are discharged from the hospital in a healthy condition.


Are the premiums printed on the standard rates applicable to everyone?

The premiums are based on persons with standard health who are in Class I and II occupations, which are defined as follows:

Class I
Persons engaged in professional, managerial, administration, clerical and non-manual occupations generally.

Class II
Persons engaged in work of a supervisory nature and all others not in Class I whose duties may involve occasional light manual work but not using tools or machinery or exposed to any special hazards (e.g., clerk-of-work, supervisor). Persons who are required to travel outside the office for business or professional purposes but not engaging in manual labour (e.g., salesman).

Please check with us separately for all occupations involving manual work and not within the above definitions. Premium loadings may be applied for applicants with medical conditions or who are employed in more hazardous occupations.

Are the premiums guaranteed?

The premiums payable for this coverage are not guaranteed and may be increased at policy renewal.

What is this “Free Look” Benefit*? Will I be entitled to premium refund if I need to cancel the policy?

The Benefit entitles you to enjoy free trial of the Plan for 14 days from the day you receive your insurance policy. If this policy is not suitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made, with no questions asked. Beyond the “Free Look” period, we will refund you the balance premium after deducting our customary short-term premium or minimum premium provided no claim has been made under the policy. * This is not applicable to renewals.

Is there a Waiting Period before a claim can be made?

Benefits for illnesses or sickness will only be paid if diagnosed after 30 days from the inception of the policy, except in the case of accidental injuries where you are covered immediately.

What is considered as Material Changes for which I will need to notify Sompo?

You will need to notify us of any change which may result in a material increase in the circumstances of the risk, such as a change in your country of residence or if you intend to reside overseas for a period longer than 90 consecutive days; and a change in occupation or business, habits or pursuits, and physical health including any disease or physical defect of which you may have become aware of. Additional premium may be required for the continuance of coverage.

What are the main Exclusions?

There are certain conditions under which no benefits will be payable. These are stated as exclusions in the contract. The exclusions for this Plan include, but are not limited to, the following conditions. You are advised to read the policy contract for the full list of exclusions.

  • Pre-existing condition which is an injury, illness or condition, which existed or has developed symptoms or manifestations before the effective date of the cover, which you are aware of or should reasonably have been aware of.
  • Treatment for congenital abnormalities and physical defects that have been in existence since birth, or as a result of pregnancy, self-inflicted injury, suicide, drug abuse, alcoholism, mental diseases, cosmetic surgery, or AIDS.
  • War and the like, riot and civil commotion, terrorism.
  • Nuclear fission or radioactive contamination.
  • Hazardous activities such as mountaineering or rock climbing involving the use of ropes, underwater activities involving the use of underwater breathing apparatus, bungee jumping, sky diving, hang-gliding, paragliding, parachuting, racing other than on foot or any sports in a professional capacity.
  • Expenses recoverable under Workmen’s Compensation Insurance.

Important Notice

Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

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65 6461 6555 Monday to Friday
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(excluding weekends and public holidays)