Good question. I think AXA and BUPA do provide portability options you can check more details on AXA herehershey wrote: ↑Sat, 10 Jul 2021 6:17 pmAsking lurkers here how they plan their health insurance through retirement. Singapore has good health insurance options, both integrated shield and international expat plans. However, if you are not a Singapore citizen and not sure if you will retire in Singapore, how do you plan for this? International expat plans except Bupa terminate if an expat returns to his or her home country, and starting a new domestic health insurance plan with new medical underwriting at age 55 or 60 is not attractive.
Do people actually buy a separate domestic insurance plan (higher deductible to keep it cheap?) in one's home country despite the cost of this, to maintain the option to retire in one's home country?
Do people simply assume they will be able to self insure for health expenses when they retire?
I'd appreciate hearing from people who have consciously planned for this or found concrete advice from expert articles.
Out of curiosity, are there actually any decent policies that can be applied in different countries? Or are the policies that you are referring to basically SG specific?
I'm discussing in the context of international expat health insurance plans that cover one anywhere in the world including Singapore (they may exclude the USA depending on the plan), except one's country of nationality (unless that is Singapore).
Not correct, some international plans have medical evacuation coverage for return to one's country of residence if that is necessary. You have to read the policy language carefully.Myasis Dragon wrote: ↑Mon, 12 Jul 2021 1:31 amAlso be aware that medical evacuation doesn't mean you come back to Singapore... you could end up in Bumrungrad if it's the closet hospital.
This isn't helpful, can you quote the specific line? Heh hope you are not an AXA agent.
What is the Singapore integrated shield local plan? Why should I care if you call it an international plan if I have, for example, full in/out patient coverage in Singapore, local agent, direct bill settlement by the insurer etc. etc.?hershey wrote: ↑Mon, 12 Jul 2021 9:22 amI'm discussing in the context of international expat health insurance plans that cover one anywhere in the world including Singapore (they may exclude the USA depending on the plan), except one's country of nationality (unless that is Singapore).
These are international plans, not Singapore integrated shield local plans.
Again, why should I care what are these plans designed for if the plan is good for Singapore? It seems it is more important to you what the plan is called rather than what it can deliver.
It's absolutely f*cking correct. Most plans do not guarantee evacuation to your country of residence without special riders and additional cost. I know. I purchased plans for my employees. I broke an ankle riding dirt bikes down the Ho Chi Minh trail. Evacuation to Singapore was not an option. Saigon, yes, Bangkok, maybe, if I bitched enough. Singapore, no.hershey wrote: ↑Mon, 12 Jul 2021 9:24 amNot correct, some international plans have medical evacuation coverage for return to one's country of residence if that is necessary. You have to read the policy language carefully.Myasis Dragon wrote: ↑Mon, 12 Jul 2021 1:31 amAlso be aware that medical evacuation doesn't mean you come back to Singapore... you could end up in Bumrungrad if it's the closet hospital.
So basically, the "international" plans tend to short change you?Myasis Dragon wrote: ↑Mon, 12 Jul 2021 11:26 amIt's absolutely f*cking correct. Most plans do not guarantee evacuation to your country of residence without special riders and additional cost. I know. I purchased plans for my employees. I broke an ankle riding dirt bikes down the Ho Chi Minh trail. Evacuation to Singapore was not an option. Saigon, yes, Bangkok, maybe, if I bitched enough. Singapore, no.hershey wrote: ↑Mon, 12 Jul 2021 9:24 amNot correct, some international plans have medical evacuation coverage for return to one's country of residence if that is necessary. You have to read the policy language carefully.Myasis Dragon wrote: ↑Mon, 12 Jul 2021 1:31 amAlso be aware that medical evacuation doesn't mean you come back to Singapore... you could end up in Bumrungrad if it's the closet hospital.
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