Cialfo Pte Ltd

Flex Benefits Orientation

Policy Period: 1st June 2022 to 31st May 2023
Keith Ho Shirley Chua
Primary Account Manager Senior Client Relations Manager

This presentation is an overview of the benefits included in your company’s employee benefits program. It is not specific to your own eligibility for coverage and benefits.
The specific terms, conditions and exclusions applicable to this insurance plan and benefits program will be governed by the policy contract and your employment terms.

Hong Kong – Shanghai – Beijing – Singapore – Bangkok – Dubai – London

CONFIDENTIAL Los Angeles – Mexico City – New York – Miami – Cebu – Kuala Lumpur – Jakarta
www.pacificprime.com/corporate
 01 About Pacific Prime CXA

02 Understanding Flexible Spending Account

03 Who’s Eligible / Covered for Flex?

04 Overview of Flex Benefits

05 Flexible Spending Account (FSA)

06 Flex Claims Procedure

Contents
07 Pacific Prime CXA Mobile App Walkthrough

08 Pacific Prime CXA Portal Walkthrough

09 Q&A

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CXA is now part of the Pacific Prime Group
Experts in Personal Lines
+USD 700m +200 +5,000 and Property, Casualty &
Corporate and
Premiums Staff in Financial Lines
under management
Singapore 100% SME clients
focused on HR and
~~~~~~~~~~~~~~~~~~~~~~~~~ employee-facing
+1,000,000 +20 years tech Key partner for
many large insurers
3rd largest
lives covered in the industry employee benefits
specialist in Asia

Pacific Prime: Our Story

2000 2017 2021
Pacific Prime was founded Pacific Prime joins the Acquired CXA Group’s HK and
in Hong Kong Worldwide Broker Network (WBN) SG brokerage arms and
insurtech capabilities

2006 2019
Established Singapore office Pacific Prime launches the Prime
Care Portal (HR benefits portal)

Pacific Prime CXA Global operations in 14 key locations globally 3

Understanding Flexible Spending Account

Flex$ Allocation - Per Employees, Annual Allocation:

• Singapore – SGD 2,400
• Pakistan – PKR 126,000
• Indian – INR 54,000
• China – CNY 9,600

Based on:
• Country of employment

Flexible Spending Account (FSA)

• Use your available Flex$ to claim from a list of items

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Who’s Eligible / Covered Under Flex?
For Flex Benefit

• All Full-Time employees including eligible dependants

• Dependants* are as defined below:

 Spouse – Legally married and not separated from employee, including common-law spouse
 Children – Single & Unemployed
 Parents / Parents-in-law

* Dependants living overseas will not be eligible

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Overview of Flex Benefits

Family
HealthCare 1. Holiday Expenses
1. Dental (Cosmetic) 2. Infant & Childcare Expenses at Non-MSF
2. Optical Expenses registered Childcare Centres
3. Medical Expenses for Parents 3. Children’s Education / Tuition / Enrichment
Fees
4. Elder Care Expenses & Products

Others Wellness
1. Health Supplements
1. Personal Insurance
2. Fitness Club memberships, entrance fees,
2. Work from Home Setup
personal trainer / sports activities
3. Co-Working Space
3. Health Management / Coaching Fee
• Ergonomic Equipment / Services
4. Purchase of Fitness Equipment
• Purchase of Home PC / Laptop / Netbooks
5. Spa / Wellness / Grooming Services
/ Tablets / Mobile Phones & Peripherals
6. Professional Academic / Personal
• Broadband, Cable TV, Mobile, Home line
Development Course Fee

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Flexible Spending Account (FSA)
What you can spend with your Flex Points….
Spouse /
Tax CPF Status
HealthCare Employee Children /
Status* (SG only)
Parents
Dental Expenses (Cosmetic reason) Yes Yes ✔
X
Optical Expenses Yes Yes ✔

Medical Expenses for Parents / Parents-in-Law Yes Yes X Parents only

Family
Holiday Expenses Yes Yes ✔ X
Infant & Childcare expenses at non-MSF registered Childcare
Yes Yes
Centres
Children only
Children’s Education / Tuition / Enrichment Fees Yes Yes X

Elder Care Expenses & Products Yes Yes Parents only

*Tax Status – Applies to all countries

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Flexible Spending Account (FSA)
What you can spend with your Flex Points….

Spouse /
Tax CPF Status
Wellness Employee Children /
Status* (SG only)
Parents
Health Supplements Yes Yes ✔
Fitness Club Memberships, Entrance Fees, Personal Trainer, Sports
Yes Yes ✔
events/ Physical Fitness Courses
Health Management or Coaching Fees Yes Yes ✔
X
Purchase of Fitness Equipment Yes Yes ✔

Spa / Wellness / Grooming Services Yes Yes ✔

Professional, Academic or Personal Development Course Fee Yes Yes ✔

*Tax Status – Applies to all countries

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Flexible Spending Account (FSA)
What you can spend with your Flex Points….

Spouse /
Tax CPF Status
Others Employee Children /
Status* (SG only)
Parents
Spouse &
Personal Insurance Yes Yes ✔
Children
Work from Home Setup
• Ergonomic Equipment / Services
• Purchase of Home PC / Laptop / Netbooks / Tablets / Mobile Yes Yes ✔
Phones & Peripherals X
• Broadband, Cable TV, Mobile, Home line

Co-Working Space Yes Yes ✔

*Tax Status – Applies to all countries

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Singapore’s Benefit
CPF contribution on selected Flex Benefits (Singapore only)
• CPF Contribution is only applicable to Singaporean and PR.

There is a *20%
CPF contribution
Health by employee and Employee’s
supplement *17% by employer. Contribution - $40
is subject to (*CPF contribution Employer’s
CPF rates is subject to Contribution - $34
Employee submit
$200 Health the age group and
supplement claim total wages)

Amount credited to
Employee’s CPF Reimbursement
Account = $74 via Payroll = $160
($40 + $34)

*Assuming employee is Singaporean, age 55 and below and has not reached wage cap

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Flexible Spending Account (FSA) - Healthcare
Dental Expenses – Cosmetic Reason

Claimable Items Excluded Items

 Services and Supplies predominantly
COSMETIC in nature
e.g. Bleaching, Whitening, Tooth
Veneers
 Dietary or Oral Hygiene Counseling
 Appliances,
e.g. Tooth Guard (Splint)
 Oral Hygiene Products
e.g Dental Floss, Tooth paste, Mouth
Wash, Tooth Brush etc
 Braces
 Tooth Implants

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Flexible Spending Account (FSA) - Healthcare
Medical Expenses for Parents

Claimable Items Excluded Items

 Consultation & medication for  Retail items, over-the-counter or non-
treatment of illness and injuries for GP prescribed medication
& Specialist  Medisave Portion (for parents’
 Hospitalization / surgical expenses medical care)
 Alternative treatment
e.g. chiropractic, homeopathy
 Traditional Chinese Medicine
 Health Screening
 Procurement / rental of medical and
surgical appliances
e.g. nebulizer
 Any type of therapy or dialysis

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Flexible Spending Account (FSA) - Healthcare
Optical Expenses

Claimable Items Excluded Items

 Sunglasses with prescription lens
 Transition Lens
 Prescription glasses & contact lenses
(including coloured)
 Repair & replacement of parts for glasses
such as nose holder, soldering of broken
frame, replacement of lenses
 Over-the-counter long sighted glasses (no
prescription)
 Examination fee by Optometrist / Optician
 Pre-Lasik evaluation consultation
 Lasik Surgery
 Cosmetic Procedures
 Contact Lens Solutions – Saline,
Disinfecting Solution, Cleaner, Protein
Tablets etc
 Sunglasses without prescription lens
 Eye Lubricants

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Flexible Spending Account (FSA) - Family
Holiday Expenses

Claimable Items Excluded Items

 Air / Sea / Land transportation expenses  Travel Packages
  Business travel expenses
*Receipt must include hotel name and  Meals
employee name*
 Internet / telephone charges
 Airport Transfer
 Shopping items
 Travel insurance premium
 Laundry Charges
 Car rental cost – (Local & Overseas)
 Hotel-in-house movies
 Accommodation Cost (Overseas) & Local
 Mini Bar charged with Hotel Accommodation
Staycation including inter-state / inter-city
hotel stay.  Purchase of travel accessories
 Local / Overseas Places of interest  Airport Tax
e.g. Zoo, Bird Park  Concert Tickets (Local / Overseas)
 Rental of Facilities (e.g. BBQ Pits)
 Petrol Charges

• Receipts or payment slips must be issued under the employee’s name (employee need not be a travelling party)
• Benefit will be extended to include employee’s spouse and/or children
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Flexible Spending Account (FSA) - Family
Infant & Childcare Expenses at Non-MSF Registered Childcare Centres

Claimable Items Excluded Items

 Childcare expenses relating to compulsory  Consumables
payments for attendance at a licensed e.g. Milk Bottles, Diapers
childcare centre / preschool / kindergarten:  Extra-curricular activities
e.g. registration fee, monthly fees, uniforms
and materials
 Education / Tuition fees (also include infant
care / child care / regular school education –
including before and after school care)
 School bus fees
 Textbooks / Reference Books / Stationery
 Payment via Child Development Account
(Baby Bonus Account)

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Flexible Spending Account (FSA) - Family
Children’s Education / Tuition / Enrichment Fees

Claimable Items Excluded Items

 Registration and school fees
 Textbooks and assessment books
 Tuition fees
 Enrichment course fees
 Education Software
 Expenses in relation to extracurricular
activities
 Transportation expenses
 Subscription fees to educational
publications
 Stationery

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Flexible Spending Account (FSA) - Family
Elder Care Expenses & Products

Claimable Items Excluded Items

 Mobility Assistance  Meals
e.g. Wheelchair, Walking Stick, Zimmer  Clothing
Frame  Fees for elderly day care centres /
 Cost of home modifications or retrofits rehabilitative centres / nursing homes or
 Insurance Premium hospices
 Fee for hiring a live-in or visiting caregiver  Medisave portion (for Parents’ medical care)
 Transport fees to and from a registered
centre or medical facility
 Any expenses incurred in respect to the
services and facilities rendered by the
registered centres

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Flexible Spending Account (FSA) - Wellness
Health Supplements

Claimable Items Excluded Items

 Health Supplements purchased from established  Chinese Health Supplements
pharmacies e.g. Birds Nest, Chicken Essence, Herbal Extracts, Ling Zhi,
e.g. Guardian, Unity, GNC, Natures Farm Cordyceps, Spirulina
 Vitamins & Minerals  Fitness / Performance-enhancing Supplements
 Medicinal drugs only e.g. Energy Bar, Protein powder/shakes
e.g. Panadol  Manuka Honey & Royal Jelly
 Powdered Drinks / Juices
 Cosmetic Supplements
e.g. Slimming pills, Dietary supplements, Anti-ageing,
Detox, Skincare
 Food & Beverages
e.g. Bak Kut Teh Drinks, Milk Powder, Meal Replacements
 Medical Supplies
e.g. Plasters, Bandages

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Flexible Spending Account (FSA) - Wellness
Fitness Club Memberships, Entrance Fees, Personal Trainer / Sports Activities

Claimable Items Excluded Items

 Fitness Club Joining/Entrance Fees,  Golf club membership & golf sessions
e.g. Gyms or Fitness Centres, including locker fees  Golf Games or Driving Range
 Single Admission Fee,  Freelance Personal Trainer Fees (not
e.g. Swimming pools and gyms affiliated with any Fitness Clubs)
 Individual Fitness Programs,  Deposit
e.g. Swimming, yoga, kick boxing, step workout and aerobics
 Fitness Classes at Community Centres
 Specialised Fitness Clubs Membership Fees,
e.g. Triathlon Club, Running Club
 Personal Fitness Trainer Fees (must be registered with a Fitness Club)
 Registration for Marathons or Sports Events
 Booking/usage of public Sports Facilities,
e.g. badminton court, street soccer court, tennis court
 Sports Equipment Rental
 Coaching or Instructor fees for sports activities

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Flexible Spending Account (FSA) - Wellness
Health Management or Coaching Fee

Claimable Items Excluded Items

 Health Management Program  Body Slimming packages &
e.g. Smoking Cessation Program Products
/ weight control / management  Counselling & Life Coaching
program services
 Chronic disease management
programs
 Dietary Planning and
Consultations by Dieticians /
Nutritionists

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Flexible Spending Account (FSA) - Wellness
Purchase of Fitness Equipment

Claimable Items Excluded Items

 Purchase of Exercise / Health  Fitness / Performance-
equipment enhancing Supplements
e.g. Dumbbells, barbells, yoga e.g. Energy Bar, Protein
mats powder / shakes
 Repair of Fitness equipment  Massage Chairs or
 Purchase of Sports attire massagers
 Purchase of Sports apparel &
accessories
e.g. Running Shoes, Bicycle,
Racket
 Purchase of Fitness devices
e.g. Fitbit, Jawbone, FuelBand

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Flexible Spending Account (FSA) - Wellness
Spa / Wellness Services / Grooming Services

Claimable Items Excluded Items

 Membership / subscription  Pedicure / Manicure
fees for spa club
 Spa and wellness packages /
treatments and products
 Facial / Body / Sports massage
treatments
 Body buff, wrap, scrub, jacuzzi,
steam, sauna
 Foot reflexology
 Personal Grooming
e.g. Haircut / Hair Treatment /
Barber / Shave / Hair Color

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Flexible Spending Account (FSA) - Wellness
Professional, Academic or Personal Development Course Fee

Claimable Items Excluded Items

 Mobile App Subscription for Mental Health  Video Games
 Professional or academic courses / educational fees  Culinary / Cooking
e.g. MBA, LCCI Accounting, Financial Planning  Cost of Materials / Handouts / Textbooks / Reference
 Course fees for social / recreational activities books
e.g. dancing, photography, etiquette, grooming, art  Musical Instruments
 Course fees on employees’ hobbies / interests  Spiritual Classes
e.g. culinary, language, music, flower arranging, design  Dangerous Sports and Activities
 Online classes / courses (Including fees for monthly e.g. Diving
subscription via mobile app)  Expenses incurred overseas
 Language Courses
e.g. courses through school or mobile applications like
Duolingo
 Driving Classes

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Flexible Spending Account (FSA) - Others
Personal Insurance
Claimable Items
 Premiums paid for personal life &
medical insurance policies (including
Shield & International Health Plans)
 Premiums paid for personal general
insurance policies
e.g. Home contents, Motor, Personal
Accident, Travel
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Excluded Items
 Endowment Fund Policies
 Investment Linked Policies
 Amount paid through CPF Account
e.g. Medisave Account, Ordinary
Account & Special Account
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Flexible Spending Account (FSA) - Others
Work from Home Setup (Home PC / Laptop / Netbooks / Tablets / Mobiles Phones & Peripherals)

Claimable Items Excluded Items

 CPU & Computer Monitor (except LCD TV)  Digital Camera
 Computer accessories  Game Consoles,
e.g. Keyboard, Mouse, Cables, external/wireless e.g. Playstation, X-box
modem, laptop battery  Maintenance or repair fees
 Internal Computer Hardware – Motherboard, Sound
card, Graphics card, Memory card, Hard disk, CPU case
 Web Camera, Skype Phone, Printer / Scanners
 Data Storage Devices,
e.g. thumb drive, external hard disk, portable hard disk,
memory card
 Laptop, Notebook and Netbook
 Tablet computer (e.g. E-book, iPad)
 Mobile / smart phones & accessories,
e.g. headphones, phone holder/case, car travel kit,
battery, charger

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Flexible Spending Account (FSA) - Others
Work from Home Setup (Ergonomic Equipment / Services)

Claimable Items Excluded Items

 Office Chair, Desk, Back/Seat support  Any other item not mentioned
products
 Ergonomics Accessories
 Desk Lights

Work from Home Setup (Broadband + Cable + TV + Mobile + Home Line)

Claimable Items Excluded Items

 Personal Mobile, Broadband, Cable TV  Any other item not mentioned
& Home Line bills

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Flexible Spending Account (FSA) - Others
Co-Working Space

Claimable Items Excluded Items

 Rental for Co-working Space  Any other item not mentioned

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Flex Claim Submission
• Input claim details via Pacific Prime CXA Portal (https://cialfo.pacificprime-cxa.com) or mobile app
 Click on "My Claims" then “New Claims“
 Select the Claim Item that you would like to submit a claim for
 Enter the claims details
 Upload your scan receipt
 Once you click on "Submit Claim", the system will generate a Claim ID to acknowledge submission

• Claims incurred overseas:

 exchange rates must be provided such as credit card statement/exchange rate slip etc.
 if the above is not provided, exchange rate will be referenced from
https://www.oanda.com/currency/converter/ for calculation purpose

• Keep all receipts and documents for at least 1 year for audit purposes

• For any dependant’s claim, please submit it under employee’s name as no dependant details are captured in
PPCXA portal. It is employee’s responsibility to ensure that the claim submitted are as defined under the
dependants’ eligibility and Cialfo reserves the rights to request for any proof of documentation, where
required for audit/verification purposes.

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Flex Claim Status
• Pending Verification: Claim has been lodged in system but has not been assessed by PP CXA.

• Approved: Claims have been approved but have not generated the payroll file yet,
“reimbursement amount” have not reflected yet

• Paid: Claims have been paid on the date indicated, “reimbursed amount” will be reflected

• Rejected: Claims are not payable and the reason will be reflected under Admin Remarks

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Points to note
• Balance Flex$ will be forfeited at the end of Flex Benefits period
• Claims can be submitted from date of hire
• Monthly claims cut-off will take place on the 25th of the month**
• Any claims submitted on and before 25th of the month will receive reimbursement on the following
month’s payroll
• Any claims submitted after 25th of the month will receive reimbursement in 2nd month’s payroll
• Year end claims cut-off for 1st June 2022 to 31st May 2023 will be on 30th June 2023

New Hires & Resignees:

• Allocated Flex$ will be pro-rated according to the number of calendar days
• Resignees who had over-utilised allocated Flex$ will have the excess amount clawed back by the company

**If date above fall on a public holiday or a weekend, cut off date will be the preceding working day

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Service – Mobile App
Create a claim anywhere, anytime

Download the PPCXA Flex Benefits app to securely:

• Submit and track all of your claims in real-time through our quick-form and photo-upload feature for faster
processing and reimbursement
• Access exclusive wellness discounts available only to PP CXA members
• PPCXA app is available to both Android and IOS users
• For more information, please go to Pacific Prime CXA portal under “My documents” for the step by step
user guide

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PPCXA Mobile App

Step-by-Step Guide – Setting Up PPCXA App
1. Search “PPCXA” on the App Store or Google Play
2. Install the “PPCXA Flex Benefits” application

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PPCXA Mobile App

Step-by-Step Guide – Setting Up PPCXA App
3. Enter your email address and existing Password on the main
page
4. Input “cialfo” as Company ID
5. Click “Login” to access the application

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PPCXA Mobile App – Creating a new claim

Fill in all the
relevant fields
on this screen

Fields shown
will differ by
Claim Type
To create a
new claim,
tap on this To add receipt/s,
tile in the select an image
dashboard from your camera
roll or simply take
a photo of your
receipt

To submit your
claim, tap on
the Submit button

36
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PPCXA Mobile App – Flex

You can view your

Flex Allocation,
Pending Amount for
Reimbursement,
To view your Utilized Amount and
Flex Balance
Benefits, tap
on this tile
in the
dashboard Tap on the
‘Account Info’ for
more information
regarding the
transactions
details.

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PPCXA Mobile App – Profiles

You can view some of your personal details and your dependents. The Help and Support, Mobile Walkthrough, Privacy Policy,
Documents, Log Out button, etc., can be found in this page.

You can also

view the
contact details
To view your You can view of PP-CXA,
Profile, Help and your personal documents and
Support details and your Terms of
information, tap dependents. Service and
on this icon in Logout Button
the dashboard

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Pacific Prime Portal Walkthrough

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Login
You will receive a “Welcome E-Mail” which contains the URL website to the PPCXA Portal, Login ID as well as a
link to reset and create a new Password for your subsequent log in.

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Forgot Password
For Security reasons, you will need to key in your Login ID. Please point your mouse cursor on the drop-down
calendar to select your Birth Date. Upon completion, click on Reset Password. An e-mail containing the
instructions to reset your password will be sent to you.

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First Time Login

For first time login, a pop-up box “General Terms & Conditions – Consent” will appear. Please read the contents
before clicking on the checkbox to provide your consent.

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DashBoard

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Viewing Your Profile

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Portal Documentation
You may download the benefits documents such as communication materials, panel clinic listing etc (where applicable)

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Submitting Flex Claims

1. Click on “My Claims”
2. Click on “New Claims”
3. Select the type of claim from the list

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Submitting Flex Claims

1. Fill in the required fields

marked with an asterix (*)
2. After completing the
necessary fields, click on
“Submit Claim”

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Submitting Flex Claims

An automated “Claim ID” number will be generated for your reference. Please keep your original receipt for 12
months for audit purposes.

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Edit A Claim
You can edit a claim under “Pending Claims” page.
After amendments had been made, click on “Save”

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View Submitted Flex Claims Detail

Example: Dental Claim

Click on the Claim ID under “Pending Claims” page allow you to view your submitted
claims and at the same time “Print” a copy of your submitted claim

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Wellness

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Technical Assistance
Click on “Help” for assistance.

Email: help@cxagroup.com (Valid till 3rd July 2022)

New Email: help@ppcxa.com (New email effective from 4th July 2022 onwards)

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Logout
Please ensure that you “Logout” for each and every session.

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Need Help on Flex Benefit?

Contact details (Mondays to Fridays 9am to 6pm):

Helpline: (65) 6220 9119
Email: help@cxagroup.com (Valid till 3rd July 2022)
New Email: help@ppcxa.com (New email effective from 4th July 2022 onwards)

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