Singapore Expats Forum

Health insurance for expat from UK

Discuss about beauty & health. Need some advice or looking for a particular product? Share your beauty and health tips here.

DawnK
Newbie
Newbie
Posts: 2
Joined: Tue, 19 Feb 2019

Health insurance for expat from UK

Postby DawnK » Wed, 20 Feb 2019 3:48 am

Hi Everyone

I'd like some guidance on what a 23 year old male coming from the UK for 1-2 years work would need in terms of health insurance. No current health issues but would like to have piece of mind. Essential are hospital emergencies but is it worth getting GP/dental cover as well or are the costs lower than in the UK? Where is the best place to get insurance from? should I look for a broker here or are there some local providers that I should use instead?

Thanks in advance for any help.

User avatar
Barnsley
Manager
Manager
Posts: 2319
Joined: Tue, 10 Jun 2008
Location: Pasir Ris
Contact:

Re: Health insurance for expat from UK

Postby Barnsley » Wed, 20 Feb 2019 4:49 pm

DawnK wrote:Hi Everyone

I'd like some guidance on what a 23 year old male coming from the UK for 1-2 years work would need in terms of health insurance. No current health issues but would like to have piece of mind. Essential are hospital emergencies but is it worth getting GP/dental cover as well or are the costs lower than in the UK? Where is the best place to get insurance from? should I look for a broker here or are there some local providers that I should use instead?

Thanks in advance for any help.


The company where you will be working will surely provide some form of insurance cover. You can get additional personal insurance if you wish as the company insurance may not cover everything.

Probably not for dental , but they may cover a couple of trips a year for check-up but defo not serious dental treatment. This they would probably have to get separate insurance if they so wish.
Life is short, paddle harder!!

User avatar
Strong Eagle
Moderator
Moderator
Posts: 11434
Joined: Sat, 10 Jul 2004
Location: Off The Red Dot
Contact:

Re: Health insurance for expat from UK

Postby Strong Eagle » Wed, 20 Feb 2019 10:07 pm

If your company doesn't provide any insurance, then it is possible to obtain a local insurance policy. However, be aware that such policies only cover you while in Singapore and if you are planning on traveling, you will also need to find a comprehensive medical traveler's policy.

More commonly, expats look at global health policies that cover the expat everywhere and offer things like evacuation if you're in a country with poor medical facilities and return home with permanent care for things like cancer.

DawnK
Newbie
Newbie
Posts: 2
Joined: Tue, 19 Feb 2019

Re: Health insurance for expat from UK

Postby DawnK » Thu, 21 Feb 2019 12:38 am

The company doesn't provide health cover unfortunately. I have had quotes from brokers in the UK starting at around £2K per year for Hospital/GP/Dental but wondered if the GP/Dental costs were worth covering. If I took out a local policy, I would take out further travel insurance for the trips abroad from Singapore.

Thanks for your response.

archcherub
Regular
Regular
Posts: 103
Joined: Fri, 09 Oct 2015

Re: Health insurance for expat from UK

Postby archcherub » Tue, 23 Apr 2019 4:57 pm

expathelper wrote:hi there,
hospitalisation plan in Singapore's gonna probably cost you somewhere around 1200/year, depending on which insurer you sign up with. Unfortunately, GP/Dental insurance is only covered under corporate insurance. I understand that some companies here give their employees a certain amount of money to purchase their own policies. Is that what your company is essentially doing? This amount of money should already have been factored into your monthly income.


if my company does not offer clinic or GP coverage for my usual sickness, how can i encourage my HR department to cover for all of us? i am not exactly a high level executive, though i wish they can provide this coverage for all of us.
I tried to check for expat insurance coverage, but apparently, expat insurance is just private health insurance?

is there tax deduction for this? I really want to present a good case for my hr director to cover us. not sure if am paranoid but singapore is expensive.

3carlos
Newbie
Newbie
Posts: 15
Joined: Fri, 17 May 2019

Re: Health insurance for expat from UK

Postby 3carlos » Fri, 17 May 2019 1:30 am

Answering the first post: Dental is normally an add-on to global health plans (you can't add it on to local health plans (only cover inpatient events like hospital stay or surgery). There are standalone plans that you co-pay 50% - can be handy for those expensive root canal treatments and routine dental checks.

Other than price, there is another big reason for expats to buy international health plans - local plans will always require you to pay first and be reimbursed later. That's ok for my $1xx accident&emergency treatment, but not for my $5x,xxx heart bypass treatment. International plans offer an option for direct billing (time must be given and some paperwork filled).

Answering archcherub: Honestly, no one can force a company to get cover for their employees. You have to pick and choose a company wisely at the start. Some companies give you an allowance to buy your own plan (taxable as part of your income). But in this particular situation, there is also a tax benefit for the company (IRAS gives a higher limit for plans which are portable for employees).

Companies can offer a few types of packages:
1. Local packages (normally at least hospital cover is provided, but can be upgraded to GP, Specialist, Dental)
2. Custom plans (companies can pick and choose what they want, e.g. make employees pay the first $5 for every GP visit)
3. Group international plans (for those with more budget, or have employees traveling around a lot)

Expat insurance is not exactly necessary from a company standpoint as normal Group Hospital & Surgical (GHS) like (1) and (2) cover you internationally (albeit with a rather low limit most of the time).


  • Similar Topics
    Replies
    Views
    Last post
  • Choosing an Expat Health Insurance
    by Hitoiro » Sat, 04 Mar 2017 7:01 am » in Beauty, Health & Fitness
    8
    5620
    by SGFinance View the latest post
    Tue, 11 Jul 2017 4:22 pm
  • Health/Medical Insurance
    by Michael H » Thu, 19 Mar 2015 7:41 pm » in Beauty, Health & Fitness
    5
    2062
    by the lynx View the latest post
    Fri, 20 Mar 2015 9:35 am
  • Health Insurance Question
    by UMichGrad » Fri, 14 Aug 2015 10:12 pm » in Relocating, Moving to Singapore
    1
    1160
    by the lynx View the latest post
    Mon, 17 Aug 2015 4:47 pm
  • health insurance for myself....m on DP in SG.
    by kamalkumar260519 » Tue, 24 Nov 2015 1:24 pm » in Insurance
    1
    4409
    by ecureilx View the latest post
    Tue, 24 Nov 2015 3:26 pm
  • Health Insurance tips/experiences for ex-pats
    by mayrolllate » Fri, 27 Nov 2015 12:56 pm » in Relocating, Moving to Singapore
    3
    1274
    by x9200 View the latest post
    Thu, 14 Jan 2016 12:34 pm

Return to “Beauty, Health & Fitness”

Who is online

Users browsing this forum: No registered users and 2 guests