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사립교육법안 / 에듀트러스트

Private Education Act

With the implementation of the Private Education Act in December 2009, a Council for Private Education (CPE) was set up to regulate the private education sector in Singapore. All Private Education Institutes (PEIs) are required to comply with the regulations under the new Act in order to operate.

Following are the new requirements which we have implemented:


Fee Protection Scheme

With the introduction of the Private Education Bill, all students' fees will be insured under the Fee Protection Scheme (FPS).

The FPS serves to protect the international and local student•s fees in the event that a Private Education Institute (PEI) is unable to continue operations due to insolvency and/or regulatory closure. Furthermore, the FPS protects the student if the PEI fails to pay penalties or to return fees to students arising from judgements made against it by the Singapore Courts.

  • MDIS Pte Ltd adopts the FPS Insurance for international and local students. The FPS Insurance offers insured students protection against the following events:
  • Loss of course fees paid in advance by the insured student to MDIS Pte Ltd and not refunded, if the student cannot start or complete his/her course as a result of MDIS Pte Ltd becoming insolvent or being required by the Singapore authorities to stop operations.
  • MDIS Pte Ltd fails to pay the sum awarded by Singapore Courts to the insured student, where such an award relates to a dispute between MDIS Pte Ltd and the insured student on course fees paid by the insured student to MDIS Pte Ltd.
  • S$10,000 benefit payable covering the insured student•s accidental death or total permanent disability by accident.

MDIS Pte Ltd has appointed LONPAC Insurance Bhd and HSBC Insurance (Singapore) Pte. Limited to be the FPS providers for our students. The insurance coverage will be for the entire course fee and any course fees arising from an extension of the study period longer than the initially planned study period (if applicable).

Certificate of Insurance

Upon payment of the insurance premium, LONPAC Insurance Bhd/HSBC Insurance (Singapore) Pte. Limited and MDIS Pte Ltd will issue a Certificate of Insurance to the insured student directly via email.

Medical Insurance

MDIS Pte Ltd has in place a medical insurance scheme by AXA for all its students as required by the Council for Private Education (CPE) under the EduTrust certification scheme. As a full-time international student, MDIS Pte Ltd will purchase the medical insurance on your behalf at a fee of $45 per annum (inclusive of GST) which will be paid by you.

This medical insurance scheme shall provide a basic annual coverage limit of not less than $20,000 per student in the B1 ward in government and restructured hospitals and up to overall maximum limit per policy year, with 24 hours coverage in Singapore and overseas (if the student is involved in the school-related activities) throughout the course duration.

For more information on the Private Education Act please log on to the following website:


The insured student needs to produce his/her Certificate of Insurance and original course fees receipts when submitting a claim under the insurance. LONPAC Insurance Bhd/HSBC Insurance (Singapore) Pte. Limited will notify all insured students of the relevant claim procedures to be followed.

Standard PEI - Student Contract

The Standard PEI - Student Contract is a legal binding contract between MDIS Pte Ltd and its students that embodies the following mandatory requirements:

  • Clear definition of the course details - course title, pre-requisites, qualification awarded, course duration
  • Full disclosure of all costs for tuition and non-tuition fees
  • Commitment to the Fee Protection Scheme
  • Clear definition of dispute resolution mechanisms
  • Clear definition of the refund policy

All students are required to sign the Standard PEI - Student Contract upon enrolment before making any course fees payment.


MDIS undertakes to inform CPE and all our students of any change in our ownership or management within fourteen days of such a change

For more information on CPE please log on the following website:

If you have a problem with a private education institution, click here.


Frequently Asked Questions

What does the insurance cover?

The insurance covers mainly medical expenses incurred for hospitalisation and/or surgery due to illness or accident in a Singapore Government/Restructured hospital. Please refer to the Benefits Schedule given to your school for the details.

Which hospital can I seek treatment at?

You can seek treatment at Singapore Government/Restructured Hospitals which are:

  • Singapore General Hospital
  • Alexandra Hospital
  • KK Women's & Children's Hospital
  • National University Hospital
  • Tan Tock Seng Hospital
  • Changi General Hospital

Please note that hospitalisation in a Ward higher than that you are entitled to or in Private Hospitals is subject to a pro-ration factor. For hospitalisation in overseas hospitals, you will only be covered up to the reasonable and customary cost of treatment in Singapore Government / Restructured Hospital for similar or comparable treatment or the cost incurred in the foreign hospital, whichever is lower. In such cases, you may not be fully reimbursed for such claims incurred.

Will I be covered if I go back to my home country or travel during vacation?

Yes, you will be covered as long as you are a registered student of your school pursuing a course of study. Hospitalisation and/or surgery expenses incurred will be covered up to the reasonable and customary cost of treatment in Singapore Government/Restructured Hospital, whichever is lower, subject to the policy limits applicable.

*Cover does not apply:

  1. when you travel expressly for treatment outside Singapore.
  2. when you are out of Singapore for a period exceeding ninety (90) consecutive days at a time

I am a part-time student who opted to be covered. Am I covered during work?

No, you will not be covered for illness or injury sustained during work.
Are pre-existing conditions covered?
For students on compulsory scheme, pre-existing conditions are covered after you have been insured for 12 consecutive months

What should I do if I need to stay in the hospital or have surgery? Do I have to pay the medical costs myself?

Please settle the medical bills directly with the hospital and retain all ORIGINAL bills to be submitted to the insurance company. Please note that you may have to pay the cash deposit determined by the hospital and should you choose to stay in a higher class of ward or a private hospital, your claim may not be fully covered. For pre or post hospitalisaton / surgery and emergency outpatient treatment, please pay first and claim reimbursement.

How do I make a claim?

Please submit the following documents to us through your school:

  • AXA Claim Form available from your school or please download from
  • Original Final Hospital Bill & other medical bills
  • Inpatient Discharge Summary/Day Surgery Authorisation Form

When I utilize my Medisave/Medishield Ingrated Plan to pay for my treatment, how will my claim be reimbursed (for Singapore citizens and PRs only)?

Payment made by Medisave will be refunded to the respective Medisave Account holder and Medishield Integrated Plan.

When do I need to submit the claim?

You should submit the claim or give notice that you will be making a claim as soon as possible but within 30 days from discharge. For late submission/notification, please provide a valid reason.

I have submitted my hospitalisation/surgery claim earlier. I wish to submit follow-up treatment bills. What should I do?

Please inform your school when submitting the bill that it is for follow-up treatment so that we are able to trace your records. The claim form is not required.

How long does it usually take to process my claim?

Upon receipt of all required documents including ORIGINAL bills, approved claims will be settled within 30 days.

How will I be notified of the result of my claim?

You will be notified through your school. Reimbursement for approved claims will be via cheque payment to you through your school.

When will my insurance end?

The insurance will end when one of the following occurs, whichever happens first:

  • when you cease to be a registered student of your school
  • exhaustion of the policy limit applicable to you during the policy year
  • expiry of the insurance policy

If I have questions or need assistance, who should I contact?

AEGIS Insurance Services Pte Ltd
: : TEL           (65) 6837 0306

For Emergency, please contact AXA Insurance Singapore Hotline: 1800 8804 741


Medical Insurance Summary and Benefits

AXA Insurance Singapore Pte Ltd
Group Hospital & Surgical Insurance

Product Summary - Group Smartcare Executive (Private Education Institution) Product Information

This is an expense reimbursement plan that helps to reduce your financial burden in event of you being hospitalised. We will reimburse the following eligible expenses incurred according to the limits set out in the Benefits Schedule.

Key Product Provisions

The following are some key provisions found in the policy contract of this plan. This is only a brief summary and you are advised to refer to the actual terms and conditions in the policy. Please consult AEGIS Insurance Services Pte Ltd or your Private Education Institution should you require further explanation.

Members' Eligibility for Coverage

The entry age of the Insured Member must not exceed 65 years at next birthday.

Non-Guaranteed Premium

Premiums payable for this coverage are not guaranteed and may be increased at policy renewal at the full discretion of the Insurance Company. Deductibles
There are no deductibles for this plan. Pro-Ration Factors/ Co-Insurance
A pro-ration factor is applied if you are hospitalised :

  • in a ward higher than that specified in the Benefits Schedule in Singapore Government /Singapore Government Restructured Hospital or
  • in a private hospital in Singapore

Overseas Hospitalisation

*Reasonable & Customary Charges applies if you are hospitalized in a hospital outside Singapore.
*This is defined as the general level of charges applicable in Singapore when furnishing similar or comparable treatment, services or supplies to individuals of the same sex and comparable age, for similar disease or injury. The benefits payable under this plan shall be the lower of the Reasonable and Customary Charges in Singapore or those in the foreign country in which you seek similar medical treatment. Cover does not apply:

  • when you travel expressly for treatment outside Singapore
  • when you are out of Singapore for a period exceeding ninety (90)consecutive days at a time

Minimum Period of Confinement

For day surgery cases, there are no minimum hours to be eligible for claim. However, for non surgical admissions, when you are charged for a full day room and board, you can submit the claim for assessment.


There are certain conditions under which no benefits will be payable. These are stated as exclusions in the policy. You are advised to read the policy contract for the full list of exclusions. This Policy shall not cover situations listed below and any medical conditions arising therefrom:

  • All pre-existing conditions.
  • Any period of hospital confinement unless the entire confinement and all the special hospital services so rendered and performed had been recommended and approved by a Physician and in accordance with the diagnosis and treatment of the condition for which the hospital confinement was required.
  • Hospitalisation primarily for diagnosis, x-ray examinations, general physical or medical check-up, routine physical examinations, health check-ups or any other tests where there is no objective indication of impairment of normal health or any treatment of a preventive nature including vaccinations, acupuncture, or any treatment which is not medically necessary.
  • Charges for telephone, television, radio, newspaper, guests' meals and other ineligible nonmedical items whilst confined as an Inpatient or for Day Surgery.
  • Outpatient treatment, dental care and its related treatment except as specifically Covered under this Policy.
  • Pregnancy, childbirth, abortion, miscarriage, infertility and all complications arising therefrom except as specifically covered under this Policy.
  • Investigations into and treatment of infertility, surgical, mechanical or chemical contraceptive methods of birth control, assisted reproduction, sterilisation (or its reversal) or any consequence of any treatment for them.
  • Treatment of varicocele, impotence or any consequence of it.
  • Sickness or disease directly or indirectly arising from sexually transmitted disease, Acquired Immune Deficiency Syndrome (AIDS), any AIDS related condition, or infection by Human Immune-Deficiency Virus (HIV).
  • Treatment which arises from, or is in any way attributable to, sex change.
  • Costs arising under any legislation or covered under any corresponding insurance relating to occupational death, injury, or Illness.
  • Treatment for congenital conditions and any physical birth defects arising out of or resulting therefrom.
  • Non-hospital nursing care or ambulatory care, rest cures or sanitaria care, treatment arising from any geriatric, psycho geriatric or psychiatric condition, and treatment of alcohol dependence syndrome or substance abuse.
  • Suicide or attempted suicide, self-inflicted injuries or any attempt thereat while sane or insane.
  • Circumcision unless medically necessary, eye tests, refractive errors of the eyes, provision of implants, medical appliances and prosthetic devices, including spectacles, hearing aids, wheelchairs and lenses.
  • Sickness or injury arising from racing of any kind (except on foot), professional sports, parachuting, skydiving, hang gliding, bungee jumping and violation or any attempt of violation of the law or resistance to lawful arrest.
  • Flying or other aerial activity except as a fare-paying passenger in a fully licensed aircraft operated by a licensed commercial air carrier or recognised charter company.
  • Treatment arising from any consequence (whether direct or indirect) of nuclear or chemical contamination, war, invasion, losses by terrorist acts using chemical/biological substances, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, direct participation in riot, strike and civil commotion, insurrection or military or usurped power, or active duty in any of the armed forces
  • The use, or any treatment arising therefrom, of any drugs not licensed by an official governmental control agency of the country in which the drug is given, or drugs used in any circumstances other than in accordance with their licensed indications.
  • Experimental medical treatment.
  • Any treatment directed towards developmental delay and / or learning disabilities in children.
  • Cosmetic (aesthetic) or plastic surgery or treatment, or any treatment which relates to or is needed because of previous cosmetic treatment, provided that this exclusion does not apply to reconstructive surgery if:
    • it is carried out to restore function or appearance after an Accident or following Surgery for a medical condition, (provided that the Accident or Surgery occurred while the Insured Person was Covered under this Policy); and
    • it is done at a medically appropriate stage after the Accident or Surgery; and
    • the cost of the treatment is approved by us in writing before it is done.
  • The removal of fat or surplus tissue from any part of the body whether or not it is needed for medical or psychological reasons, treatment of obesity, weight reduction or weight improvement.
  • Sleep apnoea.

Termination of Insured Member's Cover

There are other circumstances whereby the cover of the Insured Member will terminate. The following is a list of some of these circumstances:

  • Insured Member attains age 65 years;
  • Insured Member ceases to be a student with the school;
  • Insured Member dies;
  • Insured Member's maximum policy limits have been exhausted.

Cover on the Insured Member automatically ceases once the master policy contract is terminated due to non-payment of premiums or other causes specified in the policy contract. No premium refund for early termination of Insured Member or Policy before the expiry date.

Contact Information

Please log onto following website for more information:
AEGIS Insurance Services Pte Ltd
: : TEL        (65) 6837 0306

AXA Insurance Singapore Emergency Hotline: 1800 8804 741

Claims Procedure

Insured Members are to submit the following documents to us within 30 days from the date of discharge from hospitalisation, from the date of death or from the date expenses were incurred for which the claim is made, whichever is applicable: Admission to Government/Restructured Hospitals (Alexandra, Changi, KK Women's & Children, National University, Singapore General and Tan Tock Seng)

  • Duly Completed Claim Form
  • A copy of the Inpatient Discharge Summary given to patient upon discharge
  • A copy of the Day Surgery Authorization Form signed by the patient before surgery
  • A copy of the Referral Letter, if any
  • Final Original Hospital Bill showing the Medisave deduction
  • Original Pre/Post Hospitalisation Medical Bills
  • Admission to a Private Hospital (EastShore, Gleneagles, Mount Alvernia, Mount Elizabeth, Raffles, Thomson Medical Centre and Day Surgery Centres/Clinic)
  • Duly Completed Claim Form
  • Medical Certification of Treatment to be completed by the attending physician/surgeon
  • A copy of Referral Letter if any
  • Final Original Detailed Hospital Bills
  • All Other Original Medical Bills related to admission/surgery


Certificate of Insurance

Medical Insurance Claim Form

Letter of Undertaking to the Council for Private Education

Local Enquiries
+65 6247 9111
+65 6278 8000
International Enquiries