What Does Medical Insurance for Foreigners in Singapore Provide

1. What Does Medical Insurance for Foreigners in Singapore Provide? Expatriate foreigners living in Singapore are not covered by the mandatory government provided insurance MediShield or its sub-plans. This is why they need to buy medical insurance in Singapore for foreigners. It is always a good idea to talk to the private insurance providers and see what best they can offer. In order to make things a bit clearer, it is a good idea to look at what the best medical insurance plans provide for ex pats and other foreigners. International coverage Even if you are working and living in Singapore, you may be traveling to and from your native country. This is why it is important to choose a medical insurance plan that provides international coverage. 24x7 customer service This again is necessary because you may face a medical emergency any time of the day or night. This will give you access to expert support and claims assistance 24x7 both by email and phone. Guaranteed renewability This is another important consideration that you need to look at because, a lot of insurance plans refuse to renew your policy if you have developed a chronic ailments after purchasing the plan. These medical conditions are usually excluded from coverage, but some medical insurers provide coverage for such ailments as well. Pre and post hospitalisation Once your insurer approves your claims for hospitalisation charges, they will also approve the expenses that you have incurred before the hospitalisation and after it as well. However, for this you will have to get your treatment done at a network clinic. This is the basic medical insurance in Singapore for foreigners, but there are quite a few other factors that you can opt for such as – inpatient and outpatient treatment, vision and dental treatments, maternity expenses, pre-existing condition coverage, chronic conditions and medical repatriation. It is up to you to decide which combination will be most suitable for your requirement, because it is not advisable to be underinsured or over-insured, because in both cases it will mean a fairly large amount of expense.