What is not covered in your health insurance
Most of us need international health insurance in Singapore. Sometimes your company will pay some; if you’re Singaporean or PR, you may just want to cover areas that MediSave doesn’t. But whatever situation you’re in, have a look at what’s not covered in your insurance now and the possible options – in the form of insurance riders – that you can include. Think about what your essential benefits need to be now, not when you need them the most!
Health insurance exclusions
Exclusions in health insurance refer to events, situations and causes that would prevent a policy from covering you. Many health insurance companies won’t cover pre-existing conditions, cosmetic surgery or treatments outside Singapore, for example. Here, Pacific Prime suggests other areas to look at before you buy or renew existing insurance policies this year. You don’t want to end up paying any unexpected medical expenses.
5 international health insurance riders to consider
#1 Preventative Care
Since COVID, there has been a trend of people becoming more health aware. This is reflected in how health insurers are providing more preventative care coverages. Even when you’re in good health, scheduling an appointment with your network healthcare providers for routine checkups and screenings can help you stay ahead of any potential health issues. The best way to deal with any illness is to prevent it!
#2 Wellness Benefits
Whether it’s as simple as a gym membership or an appointment with a nutritionist to optimise your diet, these benefits may already be included in your health insurance plans. By making use of your wellness benefits, you can optimise your personal lifestyle and diet to ensure you stay in peak physical conditions to reduce your chances of getting ill.
#3 Dental Benefits
Be sure to check your plan details for dental coverage to see whether or not you’ve been missing out on dental benefits. If you already have dental covered, make sure you visit the dentist at least once a year. This is important, even if it’s just for a routine checkup or dental cleaning!
#4 Vision Benefits
While these benefits typically focus on preventative care for your eyes, for those who require them, they can also cover the costs of hardware including glasses and contacts. If you’re someone who wears glasses or contacts, be sure to check your plan details to see if these are covered. It’s also more economical to add these benefits to your plan if you don’t already have them!
#5 Prescription Drug Coverage
Prescription medication can be very costly. While this might not sound relevant to someone who doesn’t suffer from any chronic illnesses, the coverage can also include medication for things that may affect you such as sleeping pills for insomnia. Check your plan when your doctor prescribes you a prescription drug to save yourself from paying out of your own pocket.
Whether it’s international health insurance or any other kind of insurance, get in touch with one of the team at Pacific Prime. They’ll give you a range of companies and insurance riders to consider. Compare policies in the market and check the fine print before choosing your international health insurance plan this year!
Pacific Prime CXA
#09-02 Cross Street Exchange, 18 Cross Street
6346 3781 | pacificprime.sg
