Group Hospitalisation & Surgical Insurance (GHSI)

Additional insurance coverage for overseas travel
All students are strongly advised to have adequate insurance coverage when travelling overseas for internships, conferences, exchange, study programmes, etc. The Group Hospitalisation & Surgical Insurance scheme does not provide adequate coverage for overseas programmes.
Group Hospitalisation & Surgical Insurance (GHSI)
Please note that the information provided below is subject to change. Please contact One Stop @ SAC via should you have any enquiries.
The GHSI scheme is mandatory for all international students and Singapore Permanent Residents. This is to ensure that students are covered in the event of emergency or illness. Singaporean full-time graduate students who wish to opt out of the scheme can do so by emailing to One Stop @ SAC at before the start of each academic year.
How the GHSI benefits international students?
Medical expenses in Singapore are relatively high and may lead to a financial drain if the illness requires specialist consultation, hospitalisation and/or surgery. International students are treated as private patients and hence are not eligible to stay in the subsidised wards of Singapore government restructured hospitals. Please visit the website of any government / restructured hospitals for an idea of how much hospitalisation could cost.
Hospitals typically require a deposit of the entire estimated bill upon admission. For e.g., if the estimated bill is $5,000, then a student must place a cash deposit of $5,000 with the hospital upon admission. Being on the GHSI scheme waives the need for such a deposit as AXA Insurance Singapore Pte Ltd (the underwriter of GHSI) will provide a Letter of Guarantee (LOG) for students to present to the hospital upon admission subject to meeting the Terms and Conditions.
For more coverage details, please click here.
For pre-scheduled operation/surgery, please email the documents as follows to One Stop @ SAC at at least 5 working days before the scheduled operation/surgery.
  • Financial Counselling form from the hospital (for estimated bill)
  • Referral letter from Fullerton Health @ NTU or Singapore Government Restructured Hospital
  • Authorisation for Release of Medical Information form (can be downloaded from here)
The annual GHSI premium for AY2017/18 for all full-time students is $81. Students who matriculate in January 2018 are required to pay $40.50 for coverage up till 30 June 2018. 

For LKCSOM MBBS students, the annual GHSI premium for AY2017/18 is $134.50. Students who matriculate in January 2018 are required to pay $94.00 for coverage up till 30 June 2018.
The premium will be included in the student bill and may be payable by cash, NETS or GIRO deduction (GIRO deduction for undergraduate only, there will no longer be stipend deduction for graduate coursework and graduate research students). Coverage is automatic upon making payment of the fees, you do not need to submit any application.
Claim Submission
With effect from 1 August 2017, NTU/NIE students who wish to submit a claim to be assessed by the insurance company for reimbursement may bring the completed GHSI claim form and the original receipts to One Stop @ SAC/NIE Student Services Centre respectively.


NTU students can drop the respective documents into the claim drop box that is placed inside One Stop @ SAC. Your claims will be collected every Monday at 9am or the next working day if it falls on a public holiday.


NIE students may bring the completed GHSI claim form and the original receipts to NIE Student Services Centre.'  For more details, please refer to


Please ensure your NTU email address and contact number are correctly indicated. Claims are processed within 21 working days upon receipt of full documentation. You will be notified via email on the outcome of your claim status. You will be notified/contacted via email within 7 working days from collection date if additional documents are required.


You can contact the insurance broker via email or phone +65 6411 9566 for further enquiries concerning your claim status.

To ensure that you continue to receive coverage under the GHSI, please ensure that you have paid the premiums on your insurance. Coverage ceases i.e., the insurance is terminated or whichever is earlier:
  • The insured receives Letter of Conferment (for Graduate students, please note that submission of thesis is not equate to receiving Letter of Conferment and you are still liable for GHSI fee unless you fall in one of the category mentioned below)
  • The insured receives his/her grades via StudentLink (for Undergraduates)
  • The insured finds employment, surrenders Student's Pass and leaves the university
  • The insured converts to part-time studies
  • The insured withdraws from the programme
  • The insured exhausts the cover limits


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