Wednesday, 24 March 2021

Coverage for Covid vaccinations side effects in Singapore

If you are like me, you might be looking for insurance that covers side effects and/or complications that result in hospitalisation that may arise from taking the current approved Covid-19 vaccines in Singapore.

That is, looking for coverage for vaccination side effects and not for getting Covid-19 itself. 

So are you covered for Covid-19 vaccination side effects? 

Maybe. 

Early this year, insurance companies currently providing the Integrated Shield Plan (IP) will be extending their health coverage to also cover Covid-19 vaccination complications that result in hospitalisation. 

That is:  

  • All seven Integrated Shield Plan (IP) insurers are extending coverage to Covid-19 vaccination complications that result in hospitalisation.

  • This will apply to all IP policyholders who receive Covid-19 vaccines approved by the Health Sciences Authority and are vaccinated in Singapore, the Life Insurance Association, Singapore (LIA Singapore) said on Monday (Jan 25).

  • The special coverage will last till Dec 31, 2021.


So you may be wondering:

  • What if you are not currently a policyholder for any of the seven Integrated Shield Plan (IP) insurers?
  • Will you still be able to be covered?
  • How to get covered for Covid-19 vaccination side effects? 

Insurance coverage for Covid vaccinations for non policyholders in Singapore

If you are not already covered via the current Integrated Shield Plan insurers listed above, there are a couple insurance companies that I found that are running campaigns for non-policyholders and offering free insurance coverage to cover Covid vaccination complications that result in hospitalisation.

These include:

  1. Prudential PRUSafe COVIDCover, for the first 100,000 sign ups. https://www.prudential.com.sg/others/prusafe-covid-cover#overview 

  2. AIA Covid-19 Vaccine Cover, for the first 200,000 sign ups via one of their AIA agents. https://www.aia.com.sg/en/AIACovid19VaccineCover.html 
  3. DBS Bank Covid-19 Vaccine Protect. https://www.dbs.com.sg/personal/insurance/protection/protection-plans/covid-19-vaccine-protect
  4. The Government via the Vaccine Injury Financial Protection (VITFP) insurance scheme https://www.moh.gov.sg/covid-19/vaccination/vifap

Please do note that the coverage they offer only includes:

  • Insurance coverage if one is hospitalised due to COVID-19 vaccinations. That is, any adverse effects from the vaccine resulting in hospitalisation will be covered.

  • That means that any side effects (which should be minor) that do not result in hospitalisation are likely not to be covered.

  • Please do note that signing up with these insurance companies will mean that will need to be open and comfortable for them to include you in their future insurance marketing campaigns.

  • The terms may change from when I checked their website, so best to read the terms and conditions yourself to confirm it continues to be accurate.


Prudential PRUSafe COVIDCover via Pulse app


PRUSafe COVIDCover is acomplimentary insurance plan that gives you additional peace of mind that you are financially protected against the side effects of the COVID-19 vaccination

  • Open for all Singapore residents who are 18 years old or above. This includes all Singapore Citizens, Permanent Residents, and Foreigners with valid passes

  • $100 / day (up to 14 days), for hospitalisation directly due to the side effects of the COVID-19 vaccination within 7 days of each vaccination dosage

  • Policy coverage will end on 31 Jan 2022

  • Only 100,000 policies available

  • Can sign up online via their Pulse iOS or Android mobile apps. Sign up ends 31 July 2021.

More details https://www.prudential.com.sg/others/prusafe-covid-cover


AIA COVID-19 Vaccine Cover



  • Open to all Singapore Residents aged 2 weeks to 65 years old (Age Last Birthday)

  • $500 / day^ (up to 2 days) if you are hospitalised due to COVID-19 vaccine complications. That is, up to $1000

  • Policy coverage will end on 31 Dec 2021

  • Only 200,000 policies available

  • You will also need to sign up via an agent. Sign up ends 30 April 2021. 

Notes:

  • ^Minimum 24-Hours hospital stay is required.



DBS Bank Covid-19 Vaccine Protect



  • Open for all DBS customers that are Singapore residents who are 18 years old or above. This includes all Singapore Citizens, Permanent Residents, and Foreigners with valid passes

  • $100 / day (up to 14 days), for hospitalisation directly due to the side effects of the COVID-19 vaccination within 14 days of each vaccination dosage

  • Policy coverage will end on 31 December 2021

  • Unique to DBS - they also cover Covid-19 for 30 days from the date that you submit your application.

  • Can sign up online via their website. Sign up ends 30 April 2021.


COVID-19 Cover – 30 days coverage from the date you apply  

  • Daily Hospital Cash Benefit of SGD 100 per day, up to 14 days 
  • ICU Hospital Cash Benefit of SGD 1,000 (lump sum) 
  • Bereavement Assist Benefit of SGD 10,000 (lump sum) 

Post COVID-19 Vaccination Cover – 14 days coverage from each vaccination date (up to 2 times)  

  • Daily Hospital Cash Benefit of SGD 100 per day, up to 14 days 
  • ICU Hospital Cash Benefit of SGD 1,000 (lump sum) 
  • Bereavement Assist Benefit of SGD 10,000 (lump sum) 

Receive the 2-year DBS Parkway Programme, including 2 teleconsultation sessions on us*  

*This programme is jointly organised by DBS and Parkway Shenton



Vaccine Injury Financial Protection insurance scheme


The Government is offering this VIFAP program as a goodwill financial assistance scheme that is independent of existing healthcare financing and insurance schemes. 

VIFAP (Vaccine Injury Financial Protection insurance scheme if you are worried about the vaccine and receive side effects. 

The aim of the VIFAP is give greater peace of mind to persons taking the vaccination, as we work towards as high a coverage of COVID-19 vaccination as possible in Singapore. 

The amount of financial assistance provided is fixed and dependent on the severity of the serious side effect, as indicated in the table below. 

  Type of Serious Side Effect One-time Pay-out Amount 

1 Results in death or permanent severe disability $225,000

2 Requires admission to High Dependency or Intensive Care, with subsequent recovery $10,000

3 Requires inpatient hospitalisation and medical intervention, with subsequent recovery (Excluding observation at A&E, without subsequent inpatient admission or medical intervention) $2,000

Notes and FAQ shared by VIFAP:

  • The Vaccine Injury Financial Assistance Programme for COVID-19 Vaccination (VIFAP) provides one-time goodwill financial assistance to persons who experience serious side effects that are assessed to be related to COVID-19 vaccines administered in Singapore.  

  • To qualify for the VIFAP, individuals must be a Singapore Citizen, Permanent Resident or long-term pass holder who has received the COVID-19 vaccination in Singapore, and experienced a serious side effect that is potentially life-threatening or fatal, and has required inpatient hospitalisation or has caused persistent incapacity or disability. The serious side effect must be assessed by a doctor to be linked to the individual’s COVID-19 vaccination.  

  • The VIFAP provides an additional layer of financial support for patients who had suffered from serious side effects caused by the vaccine.

  • The VIFAP is not meant to reimburse medical costs associated with the serious side effect. 

  • Individuals who experience side effects after their COVID-19 vaccination can continue to receive support through applicable healthcare financing schemes, such as MediShield Life and subsidies at our public healthcare institutions. 

  • Persons with private insurance may wish to check with their insurance provider on their coverage details.

More details https://www.moh.gov.sg/covid-19/vaccination/vifap


Other useful links:

In case you are wondering, I do not work for any insurance company or the Government, and am just writing this to help you find information that helps you make an informed decision. I hope it helps! 

Monday, 25 January 2021

How to submit a CITREP+ claim

This is a brief guide on how to submit a CITREP+ claim. 

I wrote this guide for self sponsored students who are applying for this CITREP+, who may be uncertain or unsure of how to kick off the process and submit your claim application. 

For context, if you are not too sure what CITREP+ is, CITREP+ stands for the Critical Infocomm Technology Resource Programme Plus (CITREP+) which is a programme under IMDA's TechSkills Accelerator (TeSA) initiative to support the ICT workforce in keeping pace with technology shifts, through the continuous and proactive training of technical skills sets, in order to remain relevant and productive.

I am using the CITREP+ program for an AWS Certified Solutions Architect - Associate program that I did with one of their certified training providers. There are a few training providers out there that provide the AWS Certified Solutions Architect - Associate program, so I choose one to help me with my training to better understand AWS Amazon Web Services and prepare for the exam.

Requirements:

The guide below assumes that you have:

  1. Completed an AWS Certified Solutions Architect - Associate training program
  2. Booked and successfully passed your AWS Certified Solutions Architect - Associate exam. 
  3. Work with your training provider to ensure you have all the appropriate supporting documents to submit for your CITREP+ claim

Supporting documents:

This is the supporting documents required at the time of my CITREP+ claim. These may be changed by IMDA, so please do check the most active requirements from IMDA's CITREP+ page https://www.imda.gov.sg/imtalent/programmes/citrep-plus.

  • Invoice and official receipt. This will be the receipt of Payment for Training program
  • Proof of Attendance. Proof of attendance for synchronous learning (e.g. system log-in and logout records for all training sessions for each trainee). You training provider should be sharing with you attendance sheets for all courses attended.
  • Signed Letter of Offer with Training program
  • Certificates of Participation for the courses attended
    • Training will send you a Certificate of Participation after each course completed. This will be for confirming the completion progress for all mandatory online modules for asynchronous learning (e.g. screenshot of completion progress for all mandatory online modules for each trainee).
  • Proof of Certification documentation.
    • This is your examination result score report and final certificate for each trainee (for certifiable programme). 
    • You will need to download your Exam Result Slip and the Final Certificate. For students doing the AWS exams, you can find this in the AWS Training and Certification Portal at www.aws.training. How to Download Exam Certificate > Go to the AWS Training & Certification Portal > Click 'Certification' in the navigation >  Click 'View My Certifications' to Click view and download your exam history.
  • SkillsFuture Credit Claim Applications transaction history. 
    • Log into your SkillsFuture account at www.myskillsfuture.sg and find the transactions page or similar.
    • Take a screenshot, print or "print as pdf" a copy of SkillsFuture Credit ‘Claim Applications’ transaction history.
  • Direct Credit Authorisation (DCA) Form.
    • You will need to submit the Direct Credit Authorisation (DCA) form as part of the claim supporting documents. This is to confirm your bank account that will be credited with your reimbursement.
    • IMDA will notify you on the approval status within 3-6 weeks upon complete submission of all the required supporting documents.You will receive the payment via GIRO for the approved claim within 3 weeks from the approval notification. 
    • Additionally to support this step, you can also take a screenshot of your bank account details with your account numbe.

Your Trainee's information will be verified via MyInfo so you likely do not need to upload your NRIC/ ID. 

How to submit your CITREP+ claim

For self sponsored individuals like myself, you will need to submit your CITREP+ claim via the IDMA's Infocomm Competency Management System (ICMS) system.
 
You may follow the steps below to submit the online claim in ICMS:
  1. Login ICMS via https://eservice.imda.gov.sg/icms
  2. Click on Claim Application > Click on "New Application"
  3. Check your claim form details
  4. Upload claim supporting documents
  5. Review the enrolment details and complete the claim application form
  6. Click on Submit for Approval

1. Log into ICMS

Log on to https://eservice.imda.gov.sg/icms with your SingPass.


2. Submit New Claim Application

Home >  Claim Application >  Under New Claim Application Details > New Application.



Click on the "New Application" button.


3. Select your appropriate program.

In my case, I selected the "CITREP+: SF (1 April 2019 - 31 March 2021)" from the dropdown menu presented. Choose your appropriate program.

Programme Name * : CITREP+: SF (1 April 2019 - 31 March 2021)



Select Course Provider from the dropdown menu*

Select Course/Certification Title from the dropdown menu

Click Go

* You may need to give the ICMS system a few minutes or so to load course provider details.




4. Check the claim form details 

This has been prefilled from your earlier submission for CITREP+. So your focus here is confirming that the details are correct for the sections:
  • Trainee information
  • Course/ certification information based on trainee enrolment
  • Course/ certification information for claim application
  • Application attachments (supporting documents that you upload)
  • Declaration (declaring that you are happy with the details)

5. Upload your Supporting documents for CITREP+

It is mandatory for Applicant to upload the supporting documents as soft copies during online submission in ICMS.

Follow the Checklist for Claim Supporting documents

  • Please ensure all the required supporting documents are provided to IMDA for the application to be processed.
  • Each file size upload is limit to 5MB or less. For files exceeding 5MB, please zip up the files or send the documents directly to IMDA or via email ([email protected]).
  • Max 15 Attachment Files.
  • Attachment must be in JPG/PDF/ZIP/PNG/BMP/TIF/DOC/XLSX/XLSM format.

Documents in Attached Files: 

Not all these supporting documents listed here will apply to you, so checklist this according to your situation.

  • a. Copy of trainee's NRIC, for courses starting on or before 30 Sep 2019 (For courses starting from 1 Oct 2019, trainee's information will be verified via MyInfo)
  • b. Direct Credit Authorisation (DCA) Form
  • c. Invoice and official receipt
  • d. Daily attendance sheet signed by the trainee (for classroom/hybrid training)
  • e. Proof of attendance for synchronous learning (e.g. system log-in and logout records for all training sessions for each trainee)
  • f. Completion progress for all mandatory online modules for asynchronous learning (e.g. screenshot of completion progress for all mandatory online modules for each trainee)
  • g. Course Provider's document certifying at least 75% of the training attendance completed by the trainee (for classroom training)
  • h. Assessment result slip/certificate for each trainee (for non-certifiable programme)
  • i. Examination result score report and final certificate for each trainee (for certifiable programme)
  • j. SkillsFuture Credit Claim Applications transaction history
  • k. Proof of Matriculation
  • l. Recommendation by the PSEI (refer to Form 1)
  • m. Documentation Proof of Enlistment and Operationally Ready Date (ORD)
  • n. Copy of trainee's SAF 11B card
  • o. Applicants below eighteen (18) years old as of 1 Jan of the current year need to seek parent/guardian's consent. Refer to Form 1A.
  • p. Declaration of SME Status for Funding Support Form (refer to Form 2)
  • q. PSEA Statement
You should aim keep the relevant document for at least a year for verification purposes.

For documents that are not uploaded successfully, you may email to [email protected] or submit by mail to IMDA at the following address:

Info-communications Media Development Authority
10 Pasir Panjang Road
#03-01 Mapletree Business City
Singapore 117438


6. Submit your claim form



Confirm the declaration and submit your claim.
 
DECLARATION
Please ensure that the SkillsFuture Credit Claim Amount is correct. You may amend the amount if it is wrongly reflected before submitting the claim for approval.
 
Should you require any assistance, you may contact IMDA at [email protected]

I declare that the SkillsFuture Credit and/or Post-Secondary Education Amount is correct.

7. Accept CITREP+ Terms for Claim Application


8. Submission Confirmation page

You will then receive a submission confirmation page. 


SUBMISSION CONFIRMATION

Your Application has been submitted.
 
Your Claim Application ID is: CITREP+/<your details>

If you have not uploaded the required supporting documents earlier, please email to [email protected] or send to:
 
Info-communications Media Development Authority
10 Pasir Panjang Road
#03-01 Mapletree Business City
Singapore 117438


Separately, you will receive an email confirmation as well. 


9. Wait for your application to be processed

That's it, you are done. Wait up to 6 weeks for your application to be processed.
 
IMDA will notify you on the approval status within 6 weeks upon complete submission of all the required supporting documents. For successful application, the disbursement will be made via GIRO to the Applicant within 3 weeks from the approval notification.

10. Check the claim application status at any time

You can login to ICMS to check on your claim application status at any time. 






 

Summary of CITREP+ Claim Application Workflow

Here's a nice CITREP+ Claim application workflow chart that IDMA has kindly prepared to help you get a sense of the process visually. 

  
 
 
I hope that helps you!