Singapore has world-class healthcare – but it doesn’t come cheap! So, it’s important to get health insurance to cover medical bills for you and your family, including the kids. Depending on your situation, certain types of coverage may be essential for your children, others less important. Make sure you understand the benefits and exclusions of a policy, much of it depends on your children’s ages and whether you plan to have more. Here are some other considerations to keep in mind when choosing health insurance for kids, from the team at APRIL International.
#1 Inpatient treatment
Inpatient benefits are the foundation of every expat health insurance plan in Singapore. They cover the cost of any treatment that would require your child to visit the emergency room, undergo surgery or be warded overnight. Children are typically covered for the costs of common childhood injuries and illnesses. These include broken bones, tonsillectomy, even the insertion of ear tubes in the case of chronic middle ear infections. This coverage is especially helpful as the costs of such treatments can easily exceed a year’s worth of visits to the family doctor or GP.
#2 Outpatient treatment
Outpatient benefits are generally available as a package you can add on to your inpatient insurance plan. They include items such as fees for visits to your GP or a specialist like an ENT doctor. They also cover prescribed medications as well as diagnostic scans or tests. While outpatient treatments for children are usually inexpensive on their own, if your child has frequent infections or tends to catch illnesses from other children at school, these repeated trips to the doctor can add up. For expats in Singapore, even government polyclinics will charge non-residents or more $47 per consultation at a general clinic.
#3 Parental accommodation
Another benefit to be aware of, especially if your child is young, is parental accommodation. This covers the cost of an extra bed so you can look after your child while they’re warded. Whether you have a young child who needs reassurance or you’re on vacation where the staff may not speak your language, you can stay by your child’s side. International health insurance policies typically offer parental accommodation as part of the inpatient benefits of your or your child’s health insurance plan.
#4 Covering vaccinations
While vaccinations can be especially important for young and newborn children, there are still booster shots or extended vaccination schedules that older children require. In Singapore, vaccinations can range in price from fairly little for an influenza inoculation to more than $100 for combination vaccines or the pneumococcal vaccine (for newborns and toddlers). Health insurance plans usually include vaccinations as part of outpatient benefits, depending on what plan you purchase. They would include vaccinations for conditions such as tuberculosis, polio, measles, mumps and rubella (MMR) and varicella (chicken pox). Be aware of the annual limit coverage when deciding on which plan best suits your needs.
#5 Adding newborns to your health insurance policy
Looking to grow your family? Expat health insurance plans allow you to add newborns to your family’s policy without medical underwriting. If you already have a plan, your child can be immediately covered after filing a simple form with your insurer.
Whether you’re planning for your family’s future or making sure your children’s current healthcare needs are being taken care of, APRIL International’s MyHEALTH insurance plans will have you covered:
- Flexible range of inpatient and outpatient benefits
- Coverage of children’s vaccinations
- Newborns can be added without underwriting
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