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Medical insurance - sufficient coverage?

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movingtospore
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Medical insurance - sufficient coverage?

Postby movingtospore » Wed, 19 Aug 2009 1:24 am

Hi, I have been searching through old posts but haven't quite found the answer to my question.

My husband's employer will provide insurance for the whole family. Being Canadian however, we don't really have a sense of what is and isn't adequate insurance in Singapore as all of our hospitals are government-run and paid for.

As an example, inpatient services are covered to a maximum of $45,000 pp per year, I think, under the employer's policy. Would this be sufficient to cover a hospital stay for a critical illness?

It seems that some expats get additional global insurance on top of their employers' insurance. We don't necessarily need insurance to return home to Canada for care, but we do want to make sure that we are adequately covered for any potential hospital bills etc. Any suggestions?

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Postby Zeenit » Wed, 19 Aug 2009 8:51 am

A friend of mine had her toe straightened and that with one overnight stay cost $25k. That was not major surgery. :o
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sundaymorningstaple
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Postby sundaymorningstaple » Wed, 19 Aug 2009 9:08 am

Zeenit wrote:A friend of mine had her toe straightened and that with one overnight stay cost $25k. That was not major surgery. :o


And that was in Singapore? :o

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Re: Medical insurance - sufficient coverage?

Postby Plavt » Wed, 19 Aug 2009 9:08 am

movingtospore wrote:Hi, I have been searching through old posts but haven't quite found the answer to my question.

My husband's employer will provide insurance for the whole family. Being Canadian however, we don't really have a sense of what is and isn't adequate insurance in Singapore as all of our hospitals are government-run and paid for.

As an example, inpatient services are covered to a maximum of $45,000 pp per year, I think, under the employer's policy. Would this be sufficient to cover a hospital stay for a critical illness?

It seems that some expats get additional global insurance on top of their employers' insurance. We don't necessarily need insurance to return home to Canada for care, but we do want to make sure that we are adequately covered for any potential hospital bills etc. Any suggestions?


Try BUPA, I wouldn't say they are cheap but they seem to provide some good coverage. I say seem as I haven't looked in detail, at least not in regard to Singapore.

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Postby Zeenit » Wed, 19 Aug 2009 12:08 pm

sundaymorningstaple wrote:
Zeenit wrote:A friend of mine had her toe straightened and that with one overnight stay cost $25k. That was not major surgery. :o


And that was in Singapore? :o


That was at raffles Hospital. Not sure if they gave her a "special price" :shock:

I was shocked as well.
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Postby sundaymorningstaple » Wed, 19 Aug 2009 12:54 pm

You sure that didn't include the cost of extracting her foot out of some rude person's arse who wouldn't get out of the doorway of the MRT when she was trying to alight? :P :lol:

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Postby movingtospore » Thu, 20 Aug 2009 3:28 am

25K for one overnight visit? Wow. I guess that's the answer to my question. We'll definitely look into extra insurance, thanks.

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Postby jpatokal » Thu, 20 Aug 2009 11:43 am

movingtospore wrote:25K for one overnight visit? Wow. I guess that's the answer to my question. We'll definitely look into extra insurance, thanks.

You're getting the wrong impression here -- $25k for an overnight visit for a bent toe of all things is completely and totally out of line in Singapore. For comparison, a doctor's consultation at a neighborhood clinic starts from 10 dollars (yes, ten), and giving birth in a top-of-the-line private clinic at Mt. Elizabeth complete with a few nights' stay is around $10k.
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Postby rails » Fri, 21 Aug 2009 8:24 am

sundaymorningstaple wrote:You sure that didn't include the cost of extracting her foot out of some rude person's arse who wouldn't get out of the doorway of the MRT when she was trying to alight? :P :lol:


haaha soooo funny but so true lol

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Postby movingtospore » Fri, 21 Aug 2009 11:36 am

Thanks for the info. I think we'll look into insurance but try not to get sucked into buying a deluxe package when maybe that isn't warranted. It's strange for us as here you pay your monthly premiums to the government and then never pay a hospital bill in your life. But perhaps that's why the Candian health system is going bankrupt. :wink:

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Postby cbavasi » Sat, 26 Sep 2009 6:16 pm

I just wanted to post some current info on this... my son had a freak accident this week that required emergency surgery and an overnight stay at Gleneagles. Total cost was $3.5k. (They estimated between 2.8 - 4.5 on the insurance forms - so came in right in the middle).

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Postby ETMOTO » Sat, 07 Nov 2009 1:44 pm

PR can apply for some better medical plans with private insurance company

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Re: Medical insurance - sufficient coverage?

Postby x9200 » Sat, 07 Nov 2009 2:20 pm

movingtospore wrote:As an example, inpatient services are covered to a maximum of $45,000 pp per year, I think, under the employer's policy. Would this be sufficient to cover a hospital stay for a critical illness?

Not sufficient in my opinion. This may give you some idea:
http://www.moh.gov.sg/mohcorp/billsize.aspx


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