By living in Singapore, there is a multitude of opportunities to travel throughout Asia and to discover breathtaking panoramas! Even getting adventurous by trekking in Indonesia, Malaysia, or Vietnam, Nepal, the list goes on! But if you, your partner/friend gets hurt or there is a medical emergency abroad, do you know what to do?
UEX gives you tips and shares with you the first 5 steps to follow in case of an emergency abroad!
1. Make a quick situation report
Before calling for help it is important to make a quick overview of the situation. You should give the most accurate information possible to allow the emergency team to adapt their intervention according to your situation.
- Tell who you are
- The place of the accident (the more precise the better)
- How many people are injured?
- Describe what happened
- Is the person conscious or not?
- Does he breathe or not?
- Does he have an open wound or not?
2. Call for help!
Here you have the numbers you need to call in case of an emergency abroad:
|POLICE / FIREFIGHTER||EMERGENCY SERVICES / MEDICAL EMERGENCIES|
|AUSTRALIA||000 (112 from international phone)||000 (112 from international phone)|
|INDONESIA||110 / 112 / 113||119/118|
|NEPAL||100 / 101||102|
|MYANMAR||199 / 191||192|
|SRI LANKA||118 / 119||110|
3. Hospital, which and where?
Where is the nearest hospital? How far is it? If you do not know it you can ask during your call with emergencies. It is also important to know in which type of hospital your insurance covers you.
If this is a serious and therefore expensive case, your insurer will be able to provide you with the list of establishments they’re partnered up with. Depending on your coverage, you will not have to advance the fees. Especially if you get treatment in one of these partner institutions.
If you are in a country like Malaysia or Vietnam it is better to go for treatment in a private hospital. While for countries such as Australia or New Zealand, getting treatment in a public hospital is highly sufficient.
4. Contact your insurance
You must call the emergency number on the back of your medical insurance card or travel card. Remember to register the number of the hotline of your insurer in your phone. Don’t forget also your insurance policy number to be able to transmit it to the hotline.
The insurer will be able to guide you and indicate the type of hospital where to go, or the terms to be reimbursed (documents to be kept, direct support or advance costs, etc.)
Before your trip, check the details of your plan to confirm that you are well covered in case of emergency abroad.
Be careful, some local insurance plan only cover Singapore. In this case it is better to take a travel insurance before your departure.
The different types of possible coverages
At UEX, the local coverage covers you for repatriation to your country of residence or for medical evacuation outside Singapore, in case of an emergency abroad.
If you have an international coverage, you will be covered for any consultation or hospitalization in countries other than Singapore. Note, however, that international coverage usually has geographic restrictions for consultations. Therefore be careful when you sign up for your contract.
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 covers you for all risks related to your travels. Indeed, it covers you not only for your urgent medical expenses but also for non-urgent consultations outside Singapore. For example, if you are injured while trekking on 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 …
For more information see our article which health insurance do I take to be covered abroad?
Whether you a have local, international or travel insurance coverage, when an emergency abroad happens it is not always easy to remember what will be covered by your insurer.
If you can, we advise you to call your insurer before you get a treatment. You can validate that your coverage actually supports the care you need.
For more information on the steps to take with your insurer when you have an emergency abroad, click here to read our dedicated article.
5. Follow up: administrative procedures
Depending on the type of care you need, the methods of reimbursement differ.
For instance, if you are covered with an international plan or with travel insurance, you will certainly be able to benefit from the panel of your insurer. Therefore you will not have to advance the costs of your hospitalization. However, for some travel insurance, especially when the emergency abroad does not require immediate hospitalization but simply outpatient treatment, it is possible that you have to advance the costs. Then you can claim online via the interface of your insurer.
If you are insured with AXA, click here to read our dedicated article : Claims: how it works and how to be reimbursed without a hitch
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!