The Voluntary Health Insurance Scheme (VHIS) is designed to offer the public affordable and comprehensive insurance protection, so the VHIS-insured have an additional choice of using private healthcare services when in need.
With a number of standardized product features regulated by the government, the VHIS seeks to build greater consumer confidence in hospital insurance products. To encourage citizens to purchase VHIS plans, the government will also offer tax deduction to policyholders. View more tax reduction details in our article “Buying VHIS Plans: Things You Need to Know”.
All VHIS hospital insurance plans must meet the below minimum requirements, which help enhance quality and transparency of these certified plans.2
- Guaranteed renewal up to 100 years old.
- 21-day cooling off period. Should you change your mind within 21 days of taking out the policy, you can cancel and get a full refund.
- Coverage must include:
- Unknown pre-existing conditions, and congenital conditions manifested or diagnosed after the age of 8. Partial coverage during 3-year waiting period and 100% coverage from 4th year on.
- Day cases procedures such as surgical procedures conducted in hospitals and clinics.
- Prescribed advanced diagnostic imaging tests (CT, MRI, PET scans) even when conducted in clinics, except for a 30% coinsurance.
- Prescribed non-surgical cancer treatments such as radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
- Psychiatric treatment at your local hospital.
Remember, you are still entitled to use the public healthcare system after you take out a policy under VHIS.3 Click here to see who can get the most out of VHIS.
As a certified provider of VHIS, Cigna is guaranteeing our customers quality care without having to leave home, as well as practical and emotional support throughout the treatment process. Check out our Cigna Telehealth Service, a one-stop virtual consultation and medication delivery solution accessible by App, which VHIS policyholders can gain access to virtual consultations from the comfort of their home. It also provides specialist referral services and doctor's certificates.
We care that you are insured on a VHIS policy that suits your needs, and we also care that you are fully enjoying its benefits. Click here to find out more about Cigna VHIS Series.
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