Hi! I apologize in advance if these are painfully stupid questions, but I've searched these forums and elsewhere and haven't been able to find the answers I'm looking for.
I will (hopefully, MOM willing) be coming to Singapore later this year on a DP under my husband's EP. His company has offered a group medical insurance plan, which lists "certain conditions" for which "no benefits will be payable." I have a few mild pre-existing conditions for which I take long-term prescriptions (antidepressants, skin conditions, plus birth control) and all of these seem to fall under the excluded conditions list. None of these conditions are serious or things I'll need to be hospitalized for, I'm mostly just worried about being able to get my medications (which, for what it's worth, are pretty easy to find/prescribe, no biologics or controlled substances or anything).
How will this actually play out? Are prescriptions routed through insurance in Singapore the same way they are in the US, so that if insurance doesn't cover these conditions, the medications I need for them will be exorbitantly expensive? Or are prescriptions relatively affordable even when not covered? Will visits to see a doctor to get the script itself not be covered either, if the condition it's for isn't? Any information on getting prescriptions filled for conditions not covered by insurance would be extremely helpful!