1. Corporate Employee Benefits: Medical Insurance Programme
Benefits Provided by AXA Insurance Singapore
Administered by Expat Insurance Pte Ltd

2. Coverage Highlights Annual Limits of US$1M
No Deductible or Cost Sharing Required by Employee
Global Coverage, excluding treatment in USA
Fully Covered Outpatient Benefits
Dental Benefits for all Staff
Freedom of Choice for Care
Full Coverage for Employee’s Pre-Existing Conditions

3. Summary of Core Benefits
Hospitalization & Outpatient Surgery
Room & Board, Accommodation
Fully Covered
X-rays, Lab Tests, Medicine, etc
Pre & Post-Hospitalisation Benefits
Fully Covered, 90 days
Emergency Benefits
Medical Evacuation & Repatriation, incl Ambulance
Outpatient Benefits
Physician & Specialist Consultations, incl Medications
Physiotherapist
$1,150
Chiro, Osteo, Homeopath & Accupuncture
TCM: Traditional Chinese Medicine
$60/visit, 20 visits/year
Vaccinations
$500
Routine Check-Ups & Wellness Benefits
Not Offered
Dental Benefits
Routine Dental Care
80%, Up to $500
Accidental Damage to Teeth
Oral & Maxillofacial Surgery (refer to listing)
Additional Benefits
Cancer Care: Radio & Chemotherapy
$150,000
CT Scans, MRI, PET Scans, x-rays, etc.
*For full terms, conditions and benefits, please refer to the policy which is the operative document.

4. Dental Benefits* Oral & Maxillofacial Surgery
Surgical removal of impacted/un-erupted teeth and buried teeth (tooth/teeth must be symptomatic or causing damage to an adjacent tooth)
Surgical removal of complicated buried roots (roots must be diseased or causing symptoms, or flap of gum is raised and bone is removed)
Enucleation (removal) of cysts of the jaw
Treatment of cancers
Temporal Mandibular Joint (TMJ)

5. Claims Process Inpatient, Hospitalisation & Surgery
Call the 24-Hour Assistance Hotline:
or (out of Singapore)
Provide the following details:
Policy Number, Name of Patient, Date of Birth
Name of Hospital, Date of Admission, Attending Doctor/Surgeon

6. *For ease of assistance with Payment Guarantees, consult
Claims Process
Inpatient, Hospitalisation & Surgery
Logon to: expatinsurance.com.sg/reflectgeo
Download & Complete Pre-Authorisation Form
Upon approval, AXA will arrange for
direct settlement with the Hospital/Provider.
*For ease of assistance with Payment Guarantees, consult
the International Directory of Hospitals and utilise a preferred provider

7. Claims Process Outpatient Claims Two Options:
Visit a Cashless Outpatient Clinic in Singapore
Visit a Doctor of Your Choice

8. Claims Process Cashless Outpatient Claims
Visit a clinic on the Cashless Billing List
Present your medical card at time of visit
The clinic will bill AXA directly

9. Claims Process Outpatient Reimbursement Claims
Logon to: expatinsurance.com.sg/reflectgeo
Download & Complete a Medical Claim Form
Post Claim Form & Original Invoice/Receipts to:
AXA Health Claims Team
8 Shenton Way, #27-01 AXA Tower, Singapore

10. *Note: All claims must be submitted within 60 days of treatment.
Claims Process
Outpatient Reimbursement Claims
AXA will credit your preferred bank account in the currency of your choice.
*Note: All claims must be submitted within 60 days of treatment.
Timeline: Upon receipt of claim form and receipts by post, AXA will process within three weeks time.

11. Coverage for your Family
Reflect Geophyscial will pay 100% of employee premiums.
Offshore Employees have the option to add their Spouse and/or Children* to the plan at rates subsidized 50% by
Reflect Geophysical.
*Children are eligible up to Age 21

12. Premium for your Family
For non-USA based family members:
Premium Payable by Employee for each Family Member
USD 1,097
For USA based family members:
Premium Payable by Employee for each Family Member
USD 3,291

13. 1 November 2011 and claims settled accordingly
Adding your Family
Two deadlines for addition of your dependents:
16 January 2012
20 February 2012
Send a copy of each family member’s passport to:
You will receive a brief Health Declaration to be signed
You will receive a confirmation including terms of coverage and medical insurance cards for each member
*For Health Declarations received by 20 February, coverage will be back-dated to
1 November 2011 and claims settled accordingly

14. Information Portal Your Personal Portal can be found at:
(effective 19 December 2011)
-Employee Benefit Handbook
-Summary of Benefits, Policy Wording & Definitions
-Claim Forms
-Procedures
-Emergency Contact Numbers

15. Questions? +65 6401 9201 reflectgeo@expatinsurance.com.sg
20 Upper Circular Road
The Riverwalk, #B1-52
Singapore