Singapore Expats Forum
 

which medical insurance?

Discuss the different insurance options from car to health insurance.
Lilie
Newbie
Newbie
Posts: 12
Joined: Mon, 09 Apr 2012 10:58 am

which medical insurance?

Post by Lilie » Mon, 09 Apr 2012 12:29 pm

Hi
I will move to Spore end of April, I have a part time job as a German lecturer at Polytechnic. I need a medical insurance, can sbdy give me an advice? Which one's good, cheap aso.
Does anybody have experience with bdae expat (a German insurance)?
Thank you very much for your answer
Lilie

User avatar
sundaymorningstaple
Moderator
Moderator
Posts: 37488
Joined: Thu, 11 Nov 2004 1:26 pm
Answers: 1
Location: Retired on the Little Red Dot

Post by sundaymorningstaple » Mon, 09 Apr 2012 1:52 pm


User avatar
BigSis
Chatter
Chatter
Posts: 401
Joined: Sat, 17 Apr 2010 8:30 pm

Post by BigSis » Mon, 09 Apr 2012 4:56 pm

We were with AIA who were quite good and speedy paying up - they also got something sorted out with Raffles clinics and hospital to operate a cashless system which was great.

Then our company demanded we change to a cheaper insurance and we're now with MSIG who aren't as good but they do pay up.......however it takes months (4 months to get a cheque from them).

You get what you pay for!

User avatar
Strong Eagle
Moderator
Moderator
Posts: 11634
Joined: Sat, 10 Jul 2004 12:13 am
Location: Off The Red Dot
Contact:

Re: which medical insurance?

Post by Strong Eagle » Mon, 09 Apr 2012 9:48 pm

Lilie wrote:Hi
I will move to Singapore end of April, I have a part time job as a German lecturer at Polytechnic. I need a medical insurance, can sbdy give me an advice? Which one's good, cheap aso.
Does anybody have experience with bdae expat (a German insurance)?
Thank you very much for your answer
Lilie
Try this article

http://forum.singaporeexpats.com/ftopic ... highlight=

Lilie
Newbie
Newbie
Posts: 12
Joined: Mon, 09 Apr 2012 10:58 am

Post by Lilie » Tue, 10 Apr 2012 10:12 am

sundaymorningstaple wrote:This might help.....

http://forum.singaporeexpats.com/ftopic86834.html
Thank you very much :)

Lilie
Newbie
Newbie
Posts: 12
Joined: Mon, 09 Apr 2012 10:58 am

Post by Lilie » Tue, 10 Apr 2012 10:17 am

BigSis wrote:We were with AIA who were quite good and speedy paying up - they also got something sorted out with Raffles clinics and hospital to operate a cashless system which was great.

Then our company demanded we change to a cheaper insurance and we're now with MSIG who aren't as good but they do pay up.......however it takes months (4 months to get a cheque from them).

You get what you pay for!
Thank you very much, then it seems to be better if I make a contract with a German insurance, it costs 140 SG/month (100% coverage)

Greetings
Lilie

RobSg
Regular
Regular
Posts: 66
Joined: Mon, 28 Apr 2008 1:58 pm

Post by RobSg » Sun, 15 Apr 2012 11:20 am

I have International Health Insurance (IHI) based out of Denmark and bought by BUPA a couple years ago. I like it because it covers me every where in the world, even the States. I'm almost 65. My premiums are about US$4,100 per year with a $1,600 deductible. Peace of mind is worth it.

marco2002
Newbie
Newbie
Posts: 10
Joined: Mon, 05 Mar 2012 3:52 pm

Re: which medical insurance?

Post by marco2002 » Thu, 19 Apr 2012 4:17 pm

Lilie wrote:Hi
I will move to Singapore end of April, I have a part time job as a German lecturer at Polytechnic. I need a medical insurance, can sbdy give me an advice? Which one's good, cheap aso.
Does anybody have experience with bdae expat (a German insurance)?
Thank you very much for your answer
Lilie
Most likely Polytechnic will provide you with some medical insurance, although that won't provide complete coverage.

As a general note, medical insurance coverage will be less than in Germany.
We ended up with NTUC insurance.
The other big health insurance companies: prudential, Ntuc, AIA, Great Eastern and AVIVA

tuss,
marco

beppi
Manager
Manager
Posts: 1752
Joined: Thu, 07 Sep 2006 11:15 am
Location: Ahlongistan (O$P$)

Post by beppi » Wed, 25 Apr 2012 12:25 am

There is NO medical insurance in Singapore as comprehensive as you are used to from Europe! (e.g. dental treatment and pregnancy are almost always excluded here, and non-emergency/hospital treatments in most cases)
If you can really get a German-style plan for S$140/month - TAKE IT!
(and post the information here, as this is so unbelievably cheap that I'll take it too!)

uprising
Newbie
Newbie
Posts: 2
Joined: Wed, 09 May 2012 4:05 am

Post by uprising » Wed, 09 May 2012 4:15 am

Hi Lilie,

We are also moving from Germany to Singapore and currently looking for a medical insurance for the family (wife, husband and kids). Which German insurer provides such a deal of S$140 for full coverage? Could you please kindly tell me or give me a pm. Thanks!

Lilie wrote:
BigSis wrote:We were with AIA who were quite good and speedy paying up - they also got something sorted out with Raffles clinics and hospital to operate a cashless system which was great.

Then our company demanded we change to a cheaper insurance and we're now with MSIG who aren't as good but they do pay up.......however it takes months (4 months to get a cheque from them).

You get what you pay for!
Thank you very much, then it seems to be better if I make a contract with a German insurance, it costs 140 SG/month (100% coverage)

Greetings
Lilie

uprising
Newbie
Newbie
Posts: 2
Joined: Wed, 09 May 2012 4:05 am

Post by uprising » Wed, 09 May 2012 4:20 am

sundaymorningstaple wrote:This might help.....

http://forum.singaporeexpats.com/ftopic86834.html
Hi SMS,

the thread linked to is about travel insurance. I am not sure if it is what we should buy for covering the healthcare costs in Singapore. Could you please help clarify a little bit? Thanks!

User avatar
BillyB
Manager
Manager
Posts: 1807
Joined: Fri, 23 Jul 2010 11:01 pm
Location: My laptop

Post by BillyB » Wed, 09 May 2012 9:47 am

I'll tell you who to categorically avoid - Chartis / Global health.

The claim process and customer service are absolutely awful - takes on average 10 weeks and the staff are incompetent. I even got one claim paid in USD despite the policy being in SGD.

If you are going for treatment somewhere that offers direct billing, they might not be too bad.

The real litmus test for an insurer is not necessarily around the plans or benefits (they are all broadly similar at the different tiers), it's on the administration and customer service side.

And avoid going through a financial broker to arrange the policy - you'll get better service through a dedicated medical broker or direct with the provider.

User avatar
sundaymorningstaple
Moderator
Moderator
Posts: 37488
Joined: Thu, 11 Nov 2004 1:26 pm
Answers: 1
Location: Retired on the Little Red Dot

Post by sundaymorningstaple » Wed, 09 May 2012 9:55 am

This might help.
I haven't called the guy to find out what he might can offer or has knowledge of. I leave that up to you. That why I said "might". :-|

dragon27
Newbie
Newbie
Posts: 6
Joined: Thu, 10 May 2012 7:53 pm
Location: Lion City

Post by dragon27 » Thu, 10 May 2012 8:42 pm

Agree with BillyB.... It is the administration that makes the difference...

Was told an anecdote by a friend (might be just hearsay, so take with a pinch of salt), that an unnamed insurer requires the client to seek approval with them at least four days in advance and before carrying out surgery.

Imagine fighting with bureaucracy when you are weak and down with sickness.

User avatar
pjays02
Newbie
Newbie
Posts: 10
Joined: Thu, 14 Jun 2012 4:08 pm

Post by pjays02 » Thu, 05 Jul 2012 3:35 pm

If you want affordable policies, definitely the local ones. NTUC, AIA, etc. I got my health insurance from posb, and the claims/customer service was alright too. Only thing is they don't cover dental & pregnancy here. :(
I once complained that I had no shoes, until I saw a man with no feet.

Post Reply
  • Similar Topics
    Replies
    Views
    Last post

Return to “Insurance”

Who is online

Users browsing this forum: No registered users and 1 guest