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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

add another child

The age must below 26!

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

International Health Insurance
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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.