Singapore Expats

Hi All,

I am considering an international health insurance plan (e.g., Integra Global Premier, IMG plans, Aetna International) as I am self-employed and will soon have no health insurance coverage.

Does the coverage under these plans (generally, no one plan specifically) apply in Singapore? Has anyone had difficulty getting claims processed due to SG doctors or the insurance underwriters?

Thank you all for any information and advice.

Cheers

I use Bupa with no issues. Maybe you should ask the company you are opting to go for what their panel of hospitals are like, Bupa said pretty much everywhere!

Thanks very much - I will check that out

We use Cigna and don't have any problems. I've also worked with a couple of MNC's that use Cigna for all their expats. Might be worth a look.

vs Bupa and Cigna, are there cheaper / local insurers covering the same ?

ecureilx wrote:vs Bupa and Cigna, are there cheaper / local insurers covering the same ?

AFAIK, only Chartis/GlobalHealth in Singapore offer similar expat policies and the cost is not cheaper.

Expat policies included evacuation and home country insurance for long term care. No local policy offers this.

If you only want Singapore coverage it will be cheaper, but your coverage ends the moment you get on a plane or boat.

Strong Eagle wrote:

ecureilx wrote:vs Bupa and Cigna, are there cheaper / local insurers covering the same ?

AFAIK, only Chartis/GlobalHealth in Singapore offer similar expat policies and the cost is not cheaper.

Expat policies included evacuation and home country insurance for long term care. No local policy offers this.

If you only want Singapore coverage it will be cheaper, but your coverage ends the moment you get on a plane or boat.

I am not worried about evacuation etc .. more on the local coverage.

Let me look up Chartis anyway.

Thanks for the head up.

ecureilx wrote:

Strong Eagle wrote:

ecureilx wrote:vs Bupa and Cigna, are there cheaper / local insurers covering the same ?

AFAIK, only Chartis/GlobalHealth in Singapore offer similar expat policies and the cost is not cheaper.

Expat policies included evacuation and home country insurance for long term care. No local policy offers this.

If you only want Singapore coverage it will be cheaper, but your coverage ends the moment you get on a plane or boat.

I am not worried about evacuation etc .. more on the local coverage.

Let me look up Chartis anyway.

Thanks for the head up.

Be careful with Chartis. The buggers excluded a broken ankle I got a year earlier just because I changed my policy deductibles. Others have said they are very slow pay.

You might consider any local insurance package and then get travel insurance via ING... it's not too expensive, covers evacuation and such.

They are generally ok, but you have to follow the policy to the point as they do not act flexibly and reasonably even if your action would save them some money. I.e. they refused to pay the bills for calling a doctor for a home visit (I was very sick) as what I was supposed to do was to arrange an ambulance to any clinic and than back home.

Why don't try AIA Platinum Health? Limit per policy year S400,000 and overall life time policy limit S$2000,000. Most of claim reimburse, on As Charged basis. The coverage quite good just browsing aia.com.sg for further infos

Luminar wrote:Why don't try AIA Platinum Health? Limit per policy year S400,000 and overall life time policy limit S$2000,000. Most of claim reimburse, on As Charged basis. The coverage quite good just browsing aia.com.sg for further infos

So it is not ALL CLAIM RE-IMBURSED .. right ??

And no direct billing - still you need to fork out the dough and wait and wait ..

AXA suck donkey ass. As soon as it expires I'm going for Bupa or similar.