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Which health insurance should I choose to be covered abroad?

25 Mar 2019

Do you often travel around the world? Do you want or need medical treatments outside Singapore? Do you want to protect yourself against accidents abroad?

UEX offers local, international coverage and travel insurance. This article will help you understand which coverage fits you best.


Local coverage

A local coverage mainly covers you in Singapore. If you need to see a doctor or to be hospitalized outside Singapore, your coverage will be limited.

At UEX, local coverage covers you for repatriation to your home country or for medical evacuation outside Singapore.


International Coverage

If you have an international coverage, you will be covered for consultations or hospitalizations in other countries, regardless of the emergency of the intervention. For example, if you want to consult a specialist in your home country, your expenses will be covered up to a certain point, depending on the coverage chosen.

However, international coverage usually has geographic restrictions, so be aware when you sign-up for your policy.

To learn more and help you choose between local and international coverage, check out our dedicated article: Local and International Coverage, What are the differences?


Travel insurance

A travel insurance covers you for all the risks related to your travels.
It does not only cover you for your urgent medical expenses but also for non-urgent consultations outside Singapore. For example, if you are injured while trekking on the Mount Kawa Ijen, your care will be covered up to the amount specified in your contract.


In addition to medical expenses, your travel insurance will cover delays, loss of luggage, credit card theft …
Travel insurance can also cover you for certain sports such as parachute jumping or scuba diving under certain conditions. In addition, it may include public liability for compensations and legal fees. For example, if you are legally responsible for an accidental injury, the death of a third party, or damages to the property of a third party.


To find out more about travel insurance, check out our dedicated article: Travel insurance, what do you need to know ?


To find out more about healthcare topics in Singapore you can check our articles. To understand how your health insurance plans cover the healthcare costs, you can approach UEX’s happiness team by email or by phone for more information and guidance – and the good news is that they are super nice!

With UEX, you can obtain a quote for a health insurance contract customized to your needs and requirements – all in less than a minute!


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