Student Contract is a critical document that governs the relationship between the PEI, i.e. GIIS (in this case) and the student. Prospective students should therefore understand and agree to the terms and conditions stated in the contract before signing it. All the best international schools in Singapore require the student to sign the Student Contract. It needs to be signed before the course fee is paid.
The Student Contract contains information on course information and details of course fees, refund policy, fee protection scheme, medical insurance scheme and additional information relating to the governing law and dispute resolution.
Fee Protection Scheme (FPS)
In compliance with the requirements of the CPE, GIIS is required to purchase insurance on behalf of its students to protect student fees. Fee Protection Scheme (FPS) is a mandatory regulatory requirement.
We have appointed Lonpac Insurance Bhd as the fee insurance provider for its students.
Course Fees stipulated in Schedule 2.1 in Standard PEI-Student Contract of GIIS are insured. It refers to all fees paid by the Students to be enrolled in a private education institution, excluding the course application/registration fee, miscellaneous fees (ad-hoc, non-compulsory and non-standard fee paid only when necessary or where applicable) and GST. The FPS serves to protect students' fees in the event that a Private Education Institute (PEI) is unable to continue operations due to insolvency and/or regulatory closure. In addition, the FPS protects the student if the PEI fails to pay penalties or to return fees to students arising from judgments made against it by the Singapore Courts. Within seven days of the receipt of the school fees, GIIS will purchase the FPS insurance to protect the fees, and the coverage takes effect from the day of school fee payment is made.
Certificate of Insurance
Students will receive a soft copy of the Certificate of Insurance via email from the insurance provider and a hardcopy of the Certificate from GIIS, if requested. In the event of not receiving the COI, please contact admissions team at firstname.lastname@example.org
Loss of ‘Course Fees’ by Insured Student due to insolvency or Regulatory Closure of PEI
Failure of PEI to pay Sum Awarded by Singapore Courts to the Insured Student
Death by Accident or Total Permanent Disability by Accident of Insured Student – a benefit of SGD 10,000/- will be payable to the student
All claims shall be made on the Insurance Provider’s prescribed forms and submitted to the Insurance Provider along with the following documents:
Certificate of Insurance
Original Fee Receipts
Valid Student Contract
Proof of Identity
LONPAC Insurance Bhd will notify all insured students of the relevant claim procedures that must be followed.
For more information on the Fee Protection Scheme on the CPE, click here.
GIIS has a medical insurance scheme in place for all students compliant with the EduTrust guidelines by CPE. GIIS selected AXA Insurance Singapore Pte Ltd as the medical insurance provider.
What is Covered?
It covers hospitalisation and day surgery.
It doesn’t cover any pre-existing illness.
It doesn’t cover outpatient treatments, unless they are:
For follow up treatment related to a hospitalisation/day surgery and incurred within 90 days prior to or after the hospitalisation or day surgery.
For emergency outpatient treatments due to accidents within 24 hours of the accident, GP (General Practitioner) bills are not claimable.
Scope of Coverage
B2 ward entitlement in Government Restructured Hospitals.
Ability to upgrade to higher wards or private hospitals subject to pro-rated factors.
Annual Limit of $20,000 per student on “As Charged” basis.
Payment of the Claim Amount
The insurance company (i.e. AXA Insurance in this case) will pay on a reimbursement basis. The student will have to pay the hospital first and submit all original hospital bills for reimbursement. The student will then be refunded for the eligible claim amount, by cheque or via bank transfer.
How to Make Claims?
All claims have to be made on prescribed forms and submitted to AXA Insurance through GIIS, within one month or as soon as reasonably possible, together with all the original copies of final medical bills.
The following documents are needed to make a claim:
Combined Claim Form with Medical Certification of Treatment
Final hospital/medical bills & receipts
Annual limit of $20,000 per student on “As Charged” basis.
Hospital discharge summary
Referral letters, if available
The above documents are required to be submitted to Admissions Executive at: email@example.com
Once the claim amount has been received by the insurance company, your account will be credited for the same amount.
Details of Benefits and Coverage
You can view details in the links mentioned below:
More information can be obtained from the Insurance Provider:
AXA Insurance Singapore Pte Ltd
143 Cecil Street
#01-01 GB Building
Tel: 6338 7288 | Fax: 6338 2522
More details about CPE, Enhanced Registration Framework (ERF) and the EduTrust Certification Scheme or Private Education in Singapore, please visit the website of Committee for Private Education (CPE) at http://www.cpe.gov.sg
Relevant Singapore Laws
Relevant Singapore laws especially those relating to ICA and Ministry of Manpower. This includes, but not limited to, immigration requirements, laws on driving, drugs and alcohol abuse, employment, smoking, traffic and littering.
All international students studying in Singapore must have a valid passport and a Student Pass from the ICA (Immigration and Checkpoint Authority).
International students are not allowed to work in Singapore without a ‘Work Pass Exemption’ from the MOM (Ministry of Manpower).
All drivers must be in possession of a valid Singapore driving license and the vehicle must be insured.
Possession of Controlled Drugs is presumed to be for trafficking, an offence which can carry the death penalty.
Any offense committed while being intoxicated (drunk) is punishable under the law. Drunk driving is a serious offence.
Smoking in specific public places and indoor restaurants is prohibited.
Jay walking is an offence.
Littering, spitting and vandalism (with graffiti) in public areas are serious offences.
Other Areas of Singapore Law
Singapore Law Website: http://www.singaporelaw.sg/
IGNORANCE OF THE LAW IS NO EXCUSE TO BREAK THE LAW, THE RESPONSIBILITY LIES ON EVERYONE TO KNOW THE LAW. IF IN DOUBT, CHECK WITH THE RELEVANT AUTHORITIES OR SEEK LEGAL COUNSEL