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FAQ

Medical Insurance

How long is the wait period for Maternity Coverage?

Depending on your policy, wait periods can range from 12 to 24 months.

Can I choose my own doctor?

You can choose any doctor that is part of your insurance company’s network. Your doctor can then give you a choice of in-network specialists he or she can refer you to. If you want to be treated by a doctor that is out of network, you may have to pay additional charges.

Can I buy medical insurance if I am on a Long Term Social Visit Pass?

Yes, but not every insurance company will provide coverage for foreigners with this visa.

What are the 30 conditions covered by Critical Illness Insurance?

The 30 critical illnesses covered are:

  • Major Cancers
  • Heart Attack
  • Stroke
  • Coronary Artery By-Pass Surgery
  • Kidney Failure
  • Aplastic Anaemia
  • Blindness (Loss of Sight)
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma
  • Deafness (Loss of Hearing)
  • Heart Valve Surgery
  • Loss of Speech
  • Major Burns
  • Major Organ/Bone Marrow Transplantation
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson’s Disease
  • Surgery to Aorta
  • Alzheimer’s Disease/Severe Dementia
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Progressive Scleroderma
  • HIV Due to Blood Transfusion and Occupationally Acquired HIV
  • Benign Brain Tumor
  • Encephalitis
  • Bacterial Meningitis
  • Major Head Trauma
  • Angioplasty and Other Invasive Treatment for Coronary Artery
Are healthcare plans portable should I relocate outside of Singapore?

Some medical plans cancel within a certain number of days after you leave Singapore. Other medical insurance covers you on the same policy, with no additional premium until your renewal. The insurer may then invite renewal at a different premium rating depending on your country of residence.

Will I be covered for medical treatment performed outside Singapore?

Most comprehensive medical insurance products offer worldwide coverage in the case of accidents or emergencies. The option to choose to undergo treatment outside of Singapore is a unique feature of a select few products in the market. It’s important to know whether you are covered for medical treatment you may seek while outside of Singapore.

Can I get covered for pre-existing conditions?

Depending on the insurer, the condition and your profile, terms may be offered to extend coverage for certain pre-existing conditions. In this instance, coverage can be extended to cover the condition with the payment of additional premium.

Is it possible to supplement my work Medical insurance and how?

Absolutely. Top-up coverage is designed to offer additional protection on an individual or family basis. Top-up plans work by increasing your accident, annual and lifetime limits. If you’d like some guidance regarding the level of care provided by your employer, we invite you to contact us for a complimentary review of your current medical insurance plan and if necessary, recommend top up options too.

Can I get just Maternity insurance cover?

No, Maternity Cover can only be secured as part of a Medical Insurance Plan.

If you’re planning on getting pregnant soon, we strongly recommend you have a health insurance plan that includes maternity insurance. Maternity insurance will mean that pre-natal check-ups, doctor/OBGYN visits, routine scans and blood tests, delivery and post-natal care for both mum and baby are covered. You’ll be able to deliver and recover in a private hospital with the best care imaginable.

It's also important to know that while many health insurance policies restrict coverage for your newborn immediately following birth, especially if the mother has not served a wait period under the policy, other policies are designed to provide coverage for a baby from birth. Understand what your health insurance plan entails so you're 100% educated upon the arrival of your little one!

Most insurers enforce a at least a 12 month waiting period before you can claim on your maternity insurance, so speak with the experienced Expat Insurance team for a free consultation on the best maternity insurance plan for you.

Can I pay extra and have no waiting period on Maternity insurance cover?

Unfortunately, no. Most insurers enforce at least a 12 month waiting period before you can claim on your Maternity insurance plan. For a free consultation on the best maternity insurance plan for you, click here.

What is a pre-existing condition? How can I get this covered?

A pre-existing condition is any injury or physical or mental illness, either previously diagnosed or symptomatic, that would require medication or treatment prior to policy issuance. Usually, when you look at securing a new health insurance plan your insurer will ask you to note down any ongoing treatments or pre-existing conditions you may currently have. If the conditions are serious enough they will usually exclude any coverage related to the illness or injury. There are some exceptions, for example, conditions like a broken leg, cold/flu, chickenpox, and other minor injuries/illnesses/infections that you have had before will not be excluded.

The important thing to be aware of when considering whether a condition you’ve had might be labelled by insurers as a pre-existing condition is whether you have had it in the past and whether it affects your health now or in the future. If yes, then there is a much higher chance it will be labelled as a pre-existing condition and could be excluded.

I just found out I’m pregnant, what are my options?

Congratulations! In Singapore, it is becoming increasingly difficult to secure maternity insurance coverage if you’re already pregnant. Nowadays, most insurers require you to fulfil at least a 12 month waiting period before being eligible to claim. Circumstances do vary so contact the Expat Insurance team for advice you can trust.

To sidestep any future financial worries should the unexpected happen again, we recommend adding maternity insurance cover to your existing medical insurance plan in Singapore.

Are there additional charges if I purchase my policy through Expat Insurance rather than directly through the insurer?

There isn’t a price difference if you purchase a policy through Expat Insurance versus directly with the Insurer. The prices we quote are the same cost as those offered directly through the insurer, however you’ll receive our award-winning customer service support for the entire term of your policy.

With over 2000 different insurance products available, we work with you to clearly understand your needs and design a plan that’s specifically tailored to your circumstances. Our service is free of charge, and we are here for you whenever you need us.

Do you offer a discount if I purchase multiple policies with you?

As a broker, we are not bound to one insurance provider which means that multiple policies don’t equate to price rebates. Our advisors work with 27 insurers, which means we tailor protection plans to suit your individual circumstances. On your behalf, we source the absolute best market price for you.

Can I top up just for dental and/or check-ups and vaccinations?

A top-up starts with supplementing your hospital cover with the use of deductibles (which is the amount you pay for covered health care expenses before your insurance plan starts to pay), then you can add additional cover for dental, check-ups and vaccinations, which are included in your comprehensive outpatient benefits.

Can I just buy outpatient cover? (GP’s and specialists)

Outpatient benefits are included as part of comprehensive plans or you can top-up your hospital cover and add outpatient benefits. You cannot only purchase outpatient care. At Expat Insurance, we work with you to find the best plan for your needs.

Life Insurance

I already have Life Insurance through my work, do I need private cover too?

Having cover through your work is always a positive asset, however we recommend it is viewed as a bonus, and not overly relied upon. The reason for this is in the event that you lose your job, or choose to leave the company, your Life Insurance protection will be lost, thus leaving you and your family uninsured against the unexpected. At Expat Insurance, we recommend that you purchase an additional plan to run alongside your employer’s coverage because it’s better to be safe than sorry when it comes to your family’s future protection.

I’ve just started a family and I’m on a tight budget. What type of life insurance policy should I consider purchasing?

As a minimum, you should consider term life insurance. In the event that you die or become critically ill during your policy’s cover, your family will receive a lump to maintain life as it were before you were unable to financially support them. The premiums for life insurance are very cost effective, especially the younger you are.

I don’t have any dependents, do I need insurance?

When you don’t have any dependents you are likely to have fewer concerns. However, as the premiums on life insurance are linked to your age and stay the same over the duration of the policy, it can make sense to purchase cover now and benefit from a lower premium in the longer term. Should you start a family in 5 or 10 years’ time, you will already have some cover in place, which would be cheaper than buying insurance 5-10 years down the road.

How much life insurance do I need?

The amount of Life Insurance you require will depend on your individual circumstances. At Expat Insurance, we help you identify exactly how much you need to avoid you having too little, or too much.

Why buy life insurance?

In truth nobody really wants to think about getting sick or dying, but life is full of unexpected events and protecting your family with Life Insurance is one of the most important financial decisions you can make.

Life Insurance is designed to protect your loved ones from the financial impact of your death or illness. Costs such as school fees, mortgage repayments, rent, vehicles, retirement, as well as future college and wedding expenses would be covered. Life Insurance could be the difference between struggling to make ends meet, and your family’s financial security.

If you have any dependents, whether that be a baby, a growing family, a spouse that’s not working, or a family member who depends on you for income, Life Insurance provides the financial security your family had before you were unable to provide for them.

Travel Insurance

Is there a limit on the number of trips I am able to take with an annual policy?

As long as none of your trips exceed 90 days, an annual travel policy allows you to take an unlimited number of trips within a 12 month period

Will my annual travel plan renew automatically?

No, your travel plan will not renew automatically. We are serious about service so you will receive a renewal invitation around 4-8 weeks before your policy expires. During this time we request that you contact your advisor to discuss your renewal options

Are medical expenses covered by travel policies?

Should you have a medical emergency, accident or unexpected illness while travelling, comprehensive policies offer reimbursement for relevant medical expenses, subject to policy limits.

Are extreme sports covered?

Depending on the policy, most extreme sports are covered, so long as the insured engages in the sport for leisure purposes only. Exclusions typically apply for: racing or if any sponsorship, award, payment or prize is received for the activity.

What is the maximum number of days covered per trip?

For annual plans, you are covered for unlimited trips for a maximum number of 90 days per trip. For single-trip plans, the maximum number of days per trip is usually 182. Extensions can be arranged for either plan, if needed.

What information do I need to provide if I require emergency assistance while overseas?

When calling the 24-hour emergency assistance hotline, please provide the following information: -Your Name -Your Policy Number -Your Current Location -A description of your condition or symptoms and the nature of assistance you require

What’s the difference between a deductible, a co-payment and coinsurance?

All three are charges that you must pay out of pocket, even if you have insurance. A Deductible is the initial amount you must pay before your insurer will start to chip in. A co-payment is a flat amount you pay toward each bill and Coinsurance is a fixed percentage, rather than a flat amount, that you pay towards each bill.

Do medical policies cover me when I travel outside the country?

Most Domestic insurance policies do not provide coverage out of your home country; health insurance plans limit their coverage to a certain geographic area for example ASEAN, Asia only, and worldwide. If you are traveling abroad, it is recommended that you buy travel insurance to ensure that you are covered for evacuation and repatriation.

What is a deductible?

A deductible is the amount of money you are required to pay out of pocket before your insurance plan covers the rest of the claim. A deductible of $200 means you must pay the first $200 of the medical bill before your insurance covers the remainder.

Home Insurance

Can I insure my valuables: jewellery , watches and sporting equipment under the same policy as general contents?

Yes. Typically, small additional premium ratings are charged for insuring these types of items. It’s important to check your Limits per item to avoid being under insured in the case of a loss.

What happens if I lose my engagement ring?

This is a common question that often bares a shocking answer, as most insurers offer limited coverage for expensive valuables. Typically, most Home Insurance policies in Singapore exclude unexplained loss or mysterious disappearance. This means that unless you can prove the item was stolen, coverage might not apply. To avoid such uncertainty, make sure your Home Insurance does not have such an exclusion.

Are my contents covered on a worldwide basis?

To the surprise of many claimants, most insurers do not automatically cover your belongings on a worldwide basis. So, if you lose your watch while abroad, coverage might not apply. It’s important to make sure you choose an insurer who provides worldwide cover.

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