Overview
Your Soda flex plan provides you with an annual benefit allowance that you can use to cover various health, wellness, and personal benefit expenses. But here's the key:
What you can actually use depends on what your employer has set up for you.
Every Soda plan is customized by your employer, so your specific benefits, budget, and coverage rules are unique to your company's plan configuration.
How Soda Flex works
Your employer has created a customized Soda plan tailored to your company's needs. This plan includes:
- A specific annual benefit budget per employee (the amount varies by company)
- Selected benefit categories your employer has chosen to offer
- Specific coverage limits for each benefit type
- Claim rules that determine what is and isn't covered within each category
Think of it like a wallet: your employer puts a certain amount in it each year, and you decide how to spend it across the benefits they've made available.
You can find your flex limit on the Policy details page. Go to "Coverage" and tap the tile labeled "Benefits & Limits".
Under the tab "Flex benefits," you can also find a list of all covered categories.
Possible benefit categories
Soda flex plans can include various benefit categories. Here are the types typically available, though your plan may only include some of these:
Health & wellness benefits
- Dental – dental care, treatments, and services
- Maternity – pregnancy-related healthcare expenses
- Optical – eye care and vision-related expenses
- Preventive Care – preventive health services and screenings
- Medical - general medical services
Personal development & lifestyle
- Education – professional development, courses, certifications, and training
- Lifestyle – personal wellness and lifestyle expenses
- Sport & Wellness – fitness, sports, and wellness activities
Protection
- Life & Personal Accident Insurance – insurance coverage for financial protection
- Medical Insurance – health insurance premiums and healthcare-related insurance products
Key questions to ask about your plan
Since every Soda plan is customized, you can check in the Doctor Anywhere app what is your flex allowance. If you are not sure what specific services are covered, go ahead and ask our DA Assistant (chatbot available in the app - under Coverage)
✓ What benefit categories are included in my plan?
Which of the above benefits has my employer actually enabled for me?
✓ What's my annual benefit budget?
How much can I spend each year?
✓ Are there claim limits or caps?
Is there a maximum I can claim per transaction?
✓ What specifically is covered within each category?
For example, if dental is included, does it cover cleanings, fillings, orthodontics, etc.? What's not covered?
✓ Can I extend benefits to my family?
Can my spouse and children use my flex benefits?
✓ Are there any restrictions?
Can I use benefits overseas? Are there exclusions or limitations?
✓ What are the tax implications?
Are my benefits taxable income, or do they count toward my CPF contributions?
Understanding benefit details
When you log in, each benefit category will show you:
- Coverage included – specific items, services, and treatments covered
- Coverage excluded – what's explicitly not covered
- Claim process – how to submit claims for reimbursement
- Documentation needed – receipts, invoices, or other proof required
Common questions
Q: How do I know which benefits are included in my plan?
A: Log into your Doctor Anywhere app, go to the policy details page and review your plan details. Each benefit category that's available to you will be visible. If you're unsure, ask the DA Assistant.
Q: What if I want to use a benefit that's not in my plan?
A: If a benefit category isn't included in your plan, you won't be able to claim expenses for it. You can speak with your HR department about whether they might consider adding it in the future, but changes would need to be made at the company level.
Q: Can I use my flex benefits for my family?
A: This depends on your employer's plan configuration. Some plans allow you to extend benefits to spouses and children, while others are limited to the employee only. If you see the label "Shared limit" with avatars of your dependants, it means you can share your flex benefit limits with them.
Q: What happens if I don't use all my annual budget?
A: Typically, unused benefits don't roll over to the next year. Your budget resets annually on your plan renewal date. Check with your HR about your specific plan's rules regarding unused benefits.
Q: Are there limits on how much I can claim per transaction?
A: This depends on your plan configuration. Some plans have per-transaction limits, per-category limits, or only an annual limit. Check your plan details in the Doctor Anywhere app to see what limits apply to you.
Q: What documentation do I need to submit claims?
A: Generally, you'll need receipts or invoices that show the service or item purchased, the date, the amount, and the provider. The specific requirements may vary by benefit category.
Q: Can I use my benefits overseas?
A: This depends on your employer's plan configuration. Some plans allow international claims, while others are restricted to local (Singapore) expenses only. Check your plan details or ask your HR department.