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Worth using health insurance broker?

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greenapore
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Worth using health insurance broker?

Postby greenapore » Sat, 10 Sep 2016 12:26 am

Hi all,

Tried to find this information on previous threads, but not having much luck. Is it best, with regards to health insurance for a foreign worker, to use an insurance broker, or just go to a price comparison website?

Thanks in advance!

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ecureilx
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Re: RE: Worth using health insurance broker?

Postby ecureilx » Sat, 10 Sep 2016 2:14 pm

greenapore wrote:Hi all,

Tried to find this information on previous threads, but not having much luck. Is it best, with regards to health insurance for a foreign worker, to use an insurance broker, or just go to a price comparison website?

Thanks in advance!

Foreign Worker ?

FDW or work permit or EP ?

greenapore
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Re: RE: Worth using health insurance broker?

Postby greenapore » Mon, 12 Sep 2016 4:26 pm

Foreign Worker ? yES

FDW or work permit or EP ? EP

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ecureilx
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Re: RE: Re: RE: Worth using health insurance broker?

Postby ecureilx » Mon, 12 Sep 2016 4:41 pm

greenapore wrote:Foreign Worker ? yES

FDW or work permit or EP ? EP

Employers aren't required to provide medical insurance for EP holders

HTTP://www.mom.gov.sg/faq/employment-pa ... ss-holders

You can select a group insurance for out patient and surgical from the insurers directly.

Or go all our and get agent / broker who would happily throw in dental, life, travel and what not ;)

Its all based on how much you can afford or want to give as benefit to the employee.

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Re: Worth using health insurance broker?

Postby greenapore » Mon, 12 Sep 2016 4:55 pm

The company is providing me with health insurance, and providing an allowance for my wife - so need to find the best option for her (needs to include maternity).

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ecureilx
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Re: RE: Re: Worth using health insurance broker?

Postby ecureilx » Mon, 12 Sep 2016 7:51 pm

greenapore wrote:The company is providing me with health insurance, and providing an allowance for my wife - so need to find the best option for her (needs to include maternity).

Ah ha.

Then approach the same insurance company

Others will try to up sell policies you won't need.

For maternity, there are lot of exclusions.

Read them properly before signing.

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Re: Worth using health insurance broker?

Postby xuannonsg » Wed, 14 Sep 2016 3:55 pm

greenapore wrote:Hi all,

Tried to find this information on previous threads, but not having much luck. Is it best, with regards to health insurance for a foreign worker, to use an insurance broker, or just go to a price comparison website?

Thanks in advance!


Hi Greenapore, have you found a health insurance for your wife?

greenapore
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Re: Worth using health insurance broker?

Postby greenapore » Wed, 14 Sep 2016 4:06 pm

xuannonsg wrote:
greenapore wrote:Hi all,

Tried to find this information on previous threads, but not having much luck. Is it best, with regards to health insurance for a foreign worker, to use an insurance broker, or just go to a price comparison website?

Thanks in advance!


Hi Greenapore, have you found a health insurance for your wife?


I've been speaking with a broker. Best they can get is around $600 / month with maternity on a 10 month wait plan and all direct billing, with zero excess. I have no idea if this is good/bad!

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Re: Worth using health insurance broker?

Postby xuannonsg » Wed, 14 Sep 2016 4:12 pm

greenapore wrote:I've been speaking with a broker. Best they can get is around $600 / month with maternity on a 10 month wait plan and all direct billing, with zero excess. I have no idea if this is good/bad!


Don't get too stressed about it! Check out what the policy offers and covers. Most important is to meet your needs :)

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ecureilx
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Re: RE: Re: Worth using health insurance broker?

Postby ecureilx » Wed, 14 Sep 2016 9:08 pm

greenapore wrote:
I've been speaking with a broker. Best they can get is around $600 / month with maternity on a 10 month wait plan and all direct billing, with zero excess. I have no idea if this is good/bad!


That sounds about good if the exclusions are clear.

But 10 month wait, plus 10 month pregnancy..

Check prudential!

They didn't have such a long wait period.


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