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Room Type Coverage for Health Insurance

Life assured who seek inpatient services in Singapore can choose the type of room they stay in. Therefore, room type health insurance means how much you are able to claim for room fees based on the room type selected while having your inpatient services in a hospital. So, when claiming for room and board benefit from your health insurance, you should ensure you have the necessary information and proof before submitting your claim.

Types of Room and Board Covered in Health Insurance

Different health insurance products provide different level of coverage. You need to ensure you compare the health insurance summary of benefits or coverage before you purchase the most suitable plan.

Health insurance usually covers a standard list of room type and room and board coverage. The following are some examples based on a government hospital setting:

These type of rooms normally allows a family member to stay overnight together with the patient because it has an optional sleeper unit. It comes with an attached bathroom and toilet, and even give more extensive facilities such as television, telephone, and fully automated electric bed. Patients are also given toiletries and are able to select their choice of meals. This is also the most expensive room but it provides better privacy to the patient and family.

The facilities available for this type of room and board is similar to Class A1 such telephone, television, and attached bathroom and toilet. The main difference is that it has additional beds per room and the beds are semi-automated electric beds. Patients are also able to choose their meal. With more people sharing the room, you would have lesser privacy but the room fees are also much cheaper compared to a single room.

With so many beds available in a room, it has one of the most affordable room fees. Patients do not have much facilities available other than having semi-automated electric beds.

Being the cheapest room in the ward, this room type does not have any facilities but it is the most affordable.

For government hospitals, you are usually not able to choose the room type because it depends on the availability of the rooms. This is because government hospitals charge the room and board fees much cheaper than private hospitals. However, if you are an expatriate, then you are able to choose between a “class A” single room, and a “class B1”, a room with two or four beds. Medical fees in government hospitals are also lower than those of private hospitals. Non-Singaporeans will also have to pay 30% more than the fees that are charged to citizens and permanent residents.

Depending on the health insurance plan and premium, the benefits will vary. Before you decide which health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

More Info

These type of rooms normally allows a family member to stay overnight together with the patient because it has an optional sleeper unit. It comes with an attached bathroom and toilet, and even give more extensive facilities such as television, telephone, and fully automated electric bed. Patients are also given toiletries and are able to select their choice of meals. This is also the most expensive room but it provides better privacy to the patient and family.

The facilities available for this type of room and board is similar to Class A1 such telephone, television, and attached bathroom and toilet. The main difference is that it has additional beds per room and the beds are semi-automated electric beds. Patients are also able to choose their meal. With more people sharing the room, you would have lesser privacy but the room fees are also much cheaper compared to a single room.

With so many beds available in a room, it has one of the most affordable room fees. Patients do not have much facilities available other than having semi-automated electric beds.

Being the cheapest room in the ward, this room type does not have any facilities but it is the most affordable.

For government hospitals, you are usually not able to choose the room type because it depends on the availability of the rooms. This is because government hospitals charge the room and board fees much cheaper than private hospitals. However, if you are an expatriate, then you are able to choose between a “class A” single room, and a “class B1”, a room with two or four beds. Medical fees in government hospitals are also lower than those of private hospitals. Non-Singaporeans will also have to pay 30% more than the fees that are charged to citizens and permanent residents.

Depending on the health insurance plan and premium, the benefits will vary. Before you decide which health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

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