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I want to cover .

I am a year old , my spouse is years old.

The age must between 0 and 120!

my kid(s) is/are:

a of year(s) old

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The age must below 26!

This plan should cover:
(you can choose more than one)

International Health Insurance
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WHY COMPARE HEALTH INSURANCE THROUGH GOBEAR?

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  • Take it anywhere – Best local and international plans to cover you and your family.
  • Time-saver – Widest health insurance options. Don’t waste time looking around.
  • Personalised search – Skip the brochure-talk. We get personal.
  • Trusted by your buddies – Reviews and unbiased scores for smarter comparisons.

So, what is health insurance?


Health insurance is your financial safety net if you become sick or injured. Even when your illness or accident isn’t preventable, the stress of paying super high medical bills is. Thus, it just makes sense to save yourself that stress and worry and find yourself the best health insurance quotes by comparing them on GoBear?

Do I need health insurance?


In a nutshell - yes, you do. A short stay at the hospital can cost thousands of dollars, and may cost more for foreigners. I don’t know about you, but bears don’t even have pockets for wallets, let alone wallets with that much spare cash in them! Money is the last thing you want to worry about when you’re sick, so having affordable health insurance means that you won’t have to foot the entire bill. On the whole, I feel less stressed already, don’t you?

Moreover, if that’s not enough incentive, here is another reason why you need health insurance. If you want to apply for a long-term pass, you will need to have health insurance because it’s required by Immigration and Checkpoints Authority of Singapore.

But what if I already have corporate medical health insurance?
Most corporate medical plans cover you for less, meaning you will pay more out-of-pocket if you have a high medical bill from getting sick or injured. You should do your research and find out what you are covered for by your work plan, and then it’s up to you if you want to take out your own healthcare plan too.

Do I qualify for a health insurance?


Well, that depends. You qualify for a health plan if you are:

- A Singaporean living in Singapore or overseas

- A foreigner holding a valid immigration pass

- A foreigner who is a dependent (i.e. spouse / parent / grandparent / child of a Singapore Citizen or Permanent Resident)

If you don’t fit into one of these categories – do not despair! Check with one of Singapore’s medical insurance companies to see if you might qualify.

What should I look out for when choosing my health insurance plan?


Before you select your health insurance, you should consider these six things

- What do I want covered?
All health insurance policies cover you for emergency services and hospitalisation. You will need to consider whether that will do, or if you want to go with a healthcare plan that is a bit or far more comprehensive. Do also think about how much you are willing to pay to be covered.

- How much will it cost?
Generally, if you pay a higher premium upfront, you will pay less when you receive medical care, and vice versa. If you’re working out your budget, you need to consider:

- Your premium (your monthly or yearly fee)

- Your out-of-pocket medical costs (like an excess fee, co-insurance cost, co-payment, or a combination of these)

- Can I get healthcare from any doctor or hospital?
That depends. Most local health insurance policies have their own group of medical providers that they want you to use (called their “network”). The bill may not be covered fully, or at all, if the doctor is not in your healthcare plan’s network.

International policies, however, give you the full freedom to seek medical treatment from doctors or hospitals that are not in the network

- Are my routine examinations covered?
Most preventative check-ups like mammograms or pap smear tests are usually not included unless specified by the medical insurance companies. These tests are usually included in the “wellbeing” benefit.

- How will my pre-existing medical condition affect my health insurance?
If you or someone in your family has a pre-existing or chronic condition, like hypertension, high cholesterol, asthma, or diabetes, be sure to let the provider know before taking up the plan. Your health insurance may not cover the medical costs related to the condition or they may charge you a higher premium to cover those conditions.

It’s up to you to find out if the health insurance companies will cover you or not for those conditions.

- Am I covered when I’m away from home?
It depends on the health insurance plan you have chosen and the geographical area it covers. In most cases, only emergency care will be covered. You should check with your provider to see if you are covered while travelling.

What types of things can my health insurance cover me for?


Well, how long is a piece of string? There are so many different benefits that you can choose for your health insurance. Compare on GoBear to find the healthcare plan that has the benefits you want. These options below are what medical insurance companies will usually give you to choose from:

- Hospitalisation
Hospitalisation is also known as inpatient cover. If bad luck or bad health lands you in hospital, it is important to have a plan that includes hospitalisation, covers you for your medical expenses during your hospital stay, including the room, surgery, medicines and diagnostic tests. Hospitalisation is covered in all health insurance policies in Singapore. Isn’t that great!

- Outpatient cover
This covers you for medical treatment outside the hospital or for medical visits that do not need you to stay overnight in hospital, for example, when you see a GP, a specialist or a therapist. Some health insurance plans charge a little bit extra to be covered for this. Find out the ones that work best by comparing on GoBear.

- Evacuation and repatriation
When you need medical treatment but your local hospital is not up to the job, the emergency evacuation benefit on your health insurance will pay for you to get to the nearest medical facility where you can get the treatment you need to get better. In addition the repatriation benefit will pay for you to get home after the treatment. It’s pretty sad to think about, but if you pass away overseas, some plans also have the option to cover the costs of bringing your body back home. This is called the repatriation of mortal remains, and we seriously hope you never need to use it.

- Dental insurance
Open your mouth and say “ahhhhhhh”. If you’re covered for dental insurance, then your plan often includes check-ups, simple fillings, and sometimes more complicated dental treatment if you have gum disease or need braces.

- Wellbeing and optical
Wellbeing refers to routine stuff such as annual check-ups, pap-smears or mammograms. For those of us who need a little help to see clearly, optical benefits can cover eye examinations and corrective glasses and contact lenses. If you just like to wear glasses to look trendy, then you are not covered. Sorry about that.

- Maternity
Congratulations! You’re having a baby! Maternity cover typically covers you for the costs of routine pregnancy and childbirth. Health insurance companies can also cover you for newborn care, complications and pre- and post-natal check-ups with your obstetrician. Health insurance plans sometimes have a waiting period of up to 24 months, so if you’re planning on having a baby in the future, it could save you a heap of money if you are already insured and have passed the waiting period. Lucky for you mama- and daddy-to-be, you can check the waiting periods for health insurance plans on GoBear!

- Vaccinations
This pays for the consultations fees and jabs to keep you protected from nasty diseases. Some providers cover child immunisations under a separate benefit.

Health insurance companies in Singapore


There are several insurance companies offering healthcare plans in Singapore. Some of these companies include Great Eastern Life Assurance, Prudential Assurance Company, AXA Life Insurance, Zurich Life Insurance Singapore, Transamerica Life and Manulife Financial.

It’s simple to save money on your health insurance


Use GoBear to find, compare, and select the best health insurance plan for you.

Getting sick is no laughing matter, but you might at least smile when you remember your expenses are covered by your health insurance! You can use GoBear to compare affordable health insurance in three easy steps: search, compare, select. Best of all, it’s free!

Get your health insurance quotes in no time at all and save money by filling out the form above and comparing health insurance on GoBear.

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  • 1.Insurance Lingo - Health Insurance
    Premium
    This is the amount you pay your insurance company for your coverage plan. Most premiums are paid annually, but some plans are also paid monthly, quarterly, or semi-annually.

    The cost of your premium varies on many factors such as, type of plan, age, country of residence, family members whom you would like to cover, deductible and copay options. Premiums can increase as the years go by to reflect the rising cost of healthcare.

    Out-of-pocket costs
    These include the costs that you pay befire your insurance start paying your claim. Out-of-pocket expenses include the following:

    Deductible: Also known as excess. This is the amount you will pay per year when making eligible claims. After you have paid the deductible, the insurer will pay the remaining amount of your claim.
    Co-payment/Co-insurance/Co-share: This is a fixed percentage or amount that you will pay for every claim.
    Out-of-pocket maximum: The amount you have to contribute can be capped by this maximum.


    Type of insurance plan and the network of the medical provider
    Some types of plans allow you to see almost any doctor or medical facility. Others limit your choices to a network of doctors and facilities, or require you to pay more if you use providers outside the network.


    Benefits
    Benefits are listed per plan, per insurer. Choose the essential benefits, which are most relevant to you.

    Inpatient coverage
    Inpatient cover will pay for your medical expenses during hospital stay including hospital room, surgery, medicines and diagnostic tests. These benefits are in every health insurance plan and therefore are not specifically mentioned in our top 6 which includes annual limit, area of cover, outpatient, evacuation/repatriation, dental and wellbeing.

    Outpatient coverage
    Outpatient cover will pay for medical treatment outside the hospital or treatments that do not require an overnight stay. This will take the form of services such as GP, specialist or therapist visits. Some plans offer these benefits without additional premium, while others may feature an additional fee for such benefits to be included.

    Evacuation & Repatriation
    When you need medical treatment and the local hospital is not able to address your condition, the (emergency) evacuation benefit on your plan will pay for your transport cost to the nearest medical facility where you can receive the medical treatment you require.

    The repatriation benefit means that you will be taken home when you are not in your country of residence. In the event of:
    1. Medical repatriation, after being medically evacuated to receive the needed medical care, you will be repatriated back to your country of residence or in some cases your home country.
    2. Repatriation of mortal remains. One has the benefit for mortal remains to transported to the home country or the country of residence of the deceased.

    Dental
    This includes benefits of routine dental treatment such as dental check-up, simple fillings, and even more complicated dental treatment like gum disease treatment and orthodontia.

    Wellbeing and Optical
    This includes routine check-ups such as annual check-ups, pap-smear or mammogram.
    Optical benefits can cover eye examinations and prescribed corrective eye wear to include lenses, spectacle frames and contact lenses.

    Maternity coverage
    This typically covers the cost during routine pregnancy and childbirth. Insurers can also provide cover for newborn care, complications and check-ups with the obstetrician for pre- and post natal check-ups. When purchasing health care, insurers often feature a waiting period, which could vary between 10 to 24 months during which the insurer will not pay any cost related to pregnancy within this period.

    Vaccinations
    This benefit will pay for all necessary vaccination and the associated consultation fees. Some insurers cover child immunisations under a separate benefit.
  • 2.Why do I need health insurance in Singapore?
    A short stay at the hospital can cost thousands of dollars, even more so for foreigners. Having a health insurance means that you need not be responsible for the entire bill. Already have a corporate medical plan? Most corporate medical plans only allow for lower limits and do not cover medical bills on an ‘as charged’ basis. A personal health insurance plan will help eliminate uncertainties you may have with your corporate plan. Also, If you wish to apply for a long-term pass, health insurance is one of the requirements of Immigration and Checkpoints Authority of Singapore (ICA). Comprehensive health insurance is available at an affordable rate, giving you a greater peace of mind while you work and play in or outside of Singapore.
  • 3.Am I qualified for a health insurance plan?
    GoBear’s comparison of health insurance plans are especially useful if you are:

    1. A foreigner holding a valid immigration pass.

    2. A foreigner who is a dependent (i.e. spouse / parent / grandparent / child of a Singapore Citizen or Permanent Resident)

    3. A Singaporean who is working or studying abroad or living in Singapore and looking for a more comprehensive health insurance plan.
  • 4.What should I look out for when choosing my health insurance plan?
    Before you select a plan, you should consider these six factors:

    I. What does my plan cover?
    All health plans entitle you to the following:

    ● Emergency services;
    ● Hospitalization;
    ● Surgery, organ transplant, and diagnostic during your hospital stay.

    A more comprehensive medical plan will entitle you to more benefits and medical coverage.

    II. How much will it cost?
    Generally, if you pay a higher premium upfront, you will pay less when you receive medical care, and vice versa. Health insurance is paid for in these ways:

    1. Premium that you pay to purchase your plan.
    2. Out-of-pocket medical expenses that are deductible, co-insurance, co-pay, or a combination.

    III. Can I get healthcare from any doctor or hospital?
    That depends. Most local focused plans, have their own network of medical providers. The bill may not be covered fully or at all, if the doctor is not in your plan’s network.

    International policies, however, give you the full freedom to seek medical treatment from your doctors or hospitals that are not in the network.

    IV. Are my routine examinations covered?
    Most preventative check-ups such as mammograms, pap smear tests, and other routine check-ups are usually not included unless specified by the insurer. These tests are usually featured under the section Wellbeing.

    V. How will my pre-existing medical condition affect my health insurance coverage?
    If you or someone in your family has a pre-existing medical condition or chronic condition, do declare them before taking up the policy as it will affect your insurance coverage.

    The policy may not cover the medical costs related to the condition or even exclude these conditions from your health insurance plans.

    There are instances when insurers are willing to cover these pre-existing conditions. You will need to find out if the insurer will provide coverage for the pre-existing condition before the policy commences.

    Additional premiums are often offered by the insurance companies to cover pre-existing conditions or the benefits will be capped. Common pre-existing conditions include hypertension, high cholesterol, asthma, and diabetes.

    VI. Am I covered when I am away from home?
    It depends on the plan you have chosen and the geographical area it covers. We recommend finding out if it covers you when you are traveling. Enquire on the type of coverage you will get and if you will be reimbursed.

    In most cases, only emergency treatments will be covered when you are traveling outside your policy’s area of cover. A cough or flu are less likely to be covered.
  • 5.How do I know which plan best fits my needs?
    Most people consider these several important factors such as, your current state of health, your financial situation, the types of coverage you are looking for, and also, the likeliness of relocating to another country.

    If you are in the pink of health, you might want to consider taking a deductible or co-pay, and pay a lower premium, because chances are that your medical costs will not be as high. Of course, in the unfortunate event when you fall sick or get injured, you might need to fork out more on your part.

    If you have a pre-existing medical condition, consider a plan with a higher premium that covers more of your costs and will also include coverage for the pre-existing condition.

    If you are thinking of relocating to another country in the near future or travel out of Singapore often, consider taking up an international policy. This type of plan extends your coverage beyond Singapore as long as you stay in the area of cover stated in the policy’s rule. Do note that premiums may change.

    In short, most insurance plans are categorized based on how you would like to share the burden of your medical expenses with the insurance companies. The categories have nothing to do with the amount or the quality of care you will receive.
  • 6.Are these prices accurate? Do they reflect the final price?
    As dedicated as we are to provide the most accurate premium cost, GoBear calculates premiums on specific perimeters and does not take into account any pre-existing conditions that need to be mentioned.

    These prices serve as an unbiased reference and gives a fair overview of the available insurance plans that best meets your profile and needs.

    Also, prices are subject to change without notice. Please contact the respective insurer or advisor for information on the final price.
  • 7.How soon can I be covered?
    This varies according to each insurer, but most health insurance plans will take approximately 14 days for the coverage to be effective after they received the signed documents.

If you find these answers helpful? Check out our FAQs for other products to learn more.