# Soda Flex Benefit Plan - What Can I Claim?
## Overview
Soda Flex is a flexible benefits plan that allows you to choose from 10 different benefit categories. This guide details what items are claimable and non-claimable under each category.
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## 1. Dental Benefits (F-DENTAL-SODA)
### ✅ Claimable Items
- Oral examination
- Scaling, polishing, and cleaning
- Fillings
- Extractions
- X-rays
- Medication prescribed by dentist
- Drainage of abscess
- Pins for cusp restoration
- Crowns
- Dentures (if medically necessary)
- Braces/Orthodontic treatment (with dentist's recommendation)
- Tooth implants (with dentist's recommendation)
### ❌ Non-Claimable Items
- Non-clinic dental products (OTC whitening strips, home kits)
- Cosmetic dental purely for aesthetics (veneers/whitening)
- Transport to/from dental appointments (unless qualifying overtime/official duty)
- Expenses for dependants other than spouse/children
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** No CPF contributions required
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## 2. Education Benefits (F-EDUCATION-SODA)
### ✅ Claimable Items
- **Professional Development Courses** directly related to your current role or business needs
- **Industry-specific Certifications** required for job performance or career advancement
- **Academic Courses** that enhance job-related skills or knowledge
- **Mandatory Training Programs** required by employer or regulatory bodies
- **Work-related Workshops and Seminars**
- **Professional License Renewal Fees** required for job performance
### ❌ Non-Claimable Items
- **Personal Interest Courses** unrelated to role or business needs (hobby classes, cooking, art, etc.)
- **General Self-Improvement Courses** not specific to job requirements
- **Child Education Expenses**
- **Child Enrichment Classes** (swimming, music, dance, etc.)
- **Personal Development Courses** (life coaching, personal finance, etc.)
- **Courses for Future Career Changes** unrelated to current role
- **Family Member Education Expenses**
- **Books, devices, and peripherals** for personal use
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** No CPF contributions required
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## 3. Medical Insurance Benefits (F-MEDINSURANCE-SODA)
### ✅ Claimable Items
- Medical insurance premiums (including Critical Illness coverage)
- Dental plan premiums
### ❌ Non-Claimable Items
- Riders/endowment/savings/investment-linked policy premiums
- Top-ups/upgrades with contractual entitlement to payouts
- Travel insurance
- Motor/vehicle insurance
- Maid/domestic helper insurance
- Pet insurance
- Home/household insurance
- Business/professional liability insurance
- Personal property insurance
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** No CPF contributions required
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## 4. Life & Personal Accident Insurance Benefits (F-L&PINSURANCE-SODA)
### ✅ Claimable Items
- Insurance premium for life policy
- Personal accident insurance premiums
### ❌ Non-Claimable Items
- Riders/endowment/savings/investment-linked policy premiums
- Top-ups/upgrades with contractual entitlement to payouts
- Travel insurance
- Motor/vehicle insurance
- Maid/domestic helper insurance
- Pet insurance
- Home/household insurance
- Business/professional liability insurance
- Personal property insurance
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** CPF contributions required
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## 5. Lifestyle Benefits (F-LIFESTYLE-SODA)
### ✅ Claimable Items
- Local Staycation/Attractions/Tours
- Home Office Desk
- Vacation Expenses (local only)
- Subscription Fees (work-related)
- Remote Working Expenses
- Holiday Expenses (local only)
- Childcare Subsidy for Licensed Centres
- Before & after School Childcare
- Professional Membership Fees
- Professional Magazine Subscription
### ❌ Non-Claimable Items
- Overseas travel and holidays
- International flights and accommodations
- Overseas attractions and tours
- Holiday travel & leisure packages
- Gifts to family/friends & shopping vouchers
- Personal subscriptions (streaming, magazines, gym/club)
- Entertainment unrelated to corporate events (e.g., concerts)
- Cosmetic/aesthetic treatments & beauty packages
- Cash, gift cards, or vouchers
**Tax Status:** Taxable (will be reported on Form IR8A)
**CPF:** CPF contributions required
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## 6. Maternity Benefits (F-MATERNITY-SODA)
### ✅ Claimable Items
**Pre-natal expenses** (from conception to delivery):
- Prenatal consultations and check-ups
- Prenatal vitamins and supplements (prescribed by doctor)
- Prenatal screening and tests
- High-risk pregnancy monitoring
**Delivery expenses:**
- Maternity (Natural Delivery)
- Maternity (Caesarean Delivery)
**Post-natal expenses** (within 12 weeks after delivery):
- Post-natal consultations and check-ups
- Post-natal care and treatments
- Post-natal complications treatment
**Miscarriage coverage** (non-voluntary abortions):
- Medical treatment for miscarriage
- Hospitalization for miscarriage complications
- Follow-up care and consultations
- Emotional support/counselling (if medically recommended)
### ❌ Non-Claimable Items
- Prenatal/postnatal vitamins and supplements (non-prescribed)
- Maternity apparel, breast pumps, baby gear & supplies
- Confinement nanny/food packages & doula services
- Newborn photography & non-medical services
- Private transport to/from maternity appointments (unless qualifying overtime/official duty)
- **Voluntary abortions** (elective termination of pregnancy)
- **Fertility treatments** (IVF, fertility medications, etc.)
- **Adoption-related expenses**
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** No CPF contributions required
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## 7. Medical Benefits (F-MEDICAL-SODA)
### ✅ Claimable Items
- Medical expenses with registered Clinics or Hospitals
- Physiotherapy
- Chiropractic treatment
- Covid-19 Test
- Procurement of medical appliances
- Traditional Chinese Medicine
- Outpatient GP Treatment (including Pregnancy)
- Outpatient SP Treatment (including Pregnancy)
- Hospital & Surgical Expenses
- Health Screening (medically advised)
- Counselling Sessions
- **Medical therapeutic massage** (prescribed by doctor)
### ❌ Non-Claimable Items
- Transport to/from medical appointments (unless qualifying overtime/official duty)
- Cosmetic/aesthetic-only treatments without medical necessity
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** No CPF contributions required
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## 8. Optical Benefits (F-OPTICAL-SODA)
### ✅ Claimable Items
- Prescription glasses & contact lenses
- Repair & replacement of parts for glasses
- Examination fee by Optometrist / Optician
- Sunglasses with prescription lens
### ❌ Non-Claimable Items
- Non-prescription sunglasses/fashion eyewear
- Cosmetic (non-corrective) coloured lenses
- Frames-only purchases without prescription lenses
- Lens solutions, cases, accessories
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** No CPF contributions required
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## 9. Preventive Care Benefits (F-PREVENTIVE-SODA)
### ✅ Claimable Items
- Health Screening
- Vaccinations
- Health Screening/Vaccination_CPF
- Health Screening/Vaccination
- Health Screening & Preventive care (Include Vaccinations)
- Executive Health Screening
- Health/Preventive Screening
- Annual Medical Check-up
- Vaccinations and Immunisations
- Health Screening (voluntary)
- Preventative Vaccination
### ❌ Non-Claimable Items
- General wellness supplements, detox kits
- Consumer health gadgets/wearables (e.g., smartwatches)
- Home DNA/ancestry test kits (non-clinical use)
- Spa/beauty treatments not prescribed by a doctor
- Expenses for dependants other than spouse/children
- Cash, gift cards, or vouchers
**Tax Status:** Non-Taxable
**CPF:** CPF contributions required
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## 10. Sport & Wellness Benefits (F-SPORT&WELL-SODA)
### ✅ Claimable Items
- **Wellness therapeutic massage** (general relaxation)
- Gym Membership
- Gym Equipment
- Fitness Club Memberships, Entrance Fees
- Purchase of Sports Equipment
- Sports/Exercise Classes
- Health Supplements
- Wellness Expenses
- Wellness Package
- Wellbeing-related devices and products
- Reflexology
### ❌ Non-Claimable Items
- Country club/recreational club joining or monthly fees
- Spa/beauty packages & non-medical massages
- Entry fees for recreational events/leagues (e.g., golf green fees)
- Cash, gift cards, or vouchers
**Tax Status:** Taxable (will be reported on Form IR8A)
**CPF:** CPF contributions required
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## Important Tax Information
### Taxable Benefits
The following benefit categories are **taxable** and will be added to your annual income for tax calculation:
- **Lifestyle** (F-LIFESTYLE-SODA)
- **Sport & Wellness** (F-SPORT&WELL-SODA)
These amounts are automatically reported on Form IR8A through the Auto-Inclusion Scheme. You may need to pay income tax on these benefits depending on your tax bracket.
### Non-Taxable Benefits
The following benefit categories are **non-taxable** and provide full value without tax consequences:
- Dental
- Education
- Medical Insurance
- Life & Personal Accident Insurance
- Maternity
- Medical
- Optical
- Preventive Care
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## CPF Information
Most Soda Flex benefits do **not** require CPF contributions. However, the following categories do require CPF:
- Life & Personal Accident Insurance
- Lifestyle
- Preventive Care
- Sport & Wellness
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## General Exclusions (Apply to All Categories)
The following items are **never claimable** across all benefit categories:
- Cash payments
- Gift cards
- Vouchers
- Expenses for dependants other than spouse/children (unless specifically allowed)
- Transport to/from appointments (unless qualifying overtime/official duty)
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## Need Help?
If you're unsure whether a specific item is claimable, please contact our support team with:
1. The benefit category you're interested in
2. A description of the item/service
3. The receipt or invoice (if available)
We'll be happy to help clarify what you can claim under your Soda Flex plan.