GSTM provides a Group Hospital and Surgical insurance policy with Income Insurance for all international students, arranged through Howden Insurance Brokers. The policy period is 22 July 2026 to 21 July 2027.
The main benefits are:
- hospitalisation and surgical cover of up to S$20,000 per policy year, in a 4-bedded ward of a Singapore restructured hospital, for up to 120 days;
- outpatient and dental treatment arising from an accident;
- psychiatric treatment of up to S$1,000;
- a death benefit of S$5,000;
- emergency treatment while overseas.
Pre-existing conditions are not covered in the first 12 months.
Claims are submitted through the MediHub portal. Students receive a MediHub welcome email with their login details, which use the student ID.
For the full terms, please refer to the Certificate of Insurance and the Benefits Schedule below. For questions or help with a claim, please contact Student Services.
GHS Certificate of Insurance 2026 - GSTM
GHS Benefits Schedule - GSTM