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True or False: All You Need to Know about Health Insurance

23 Jul 2019

There are many preconceived ideas about health insurance and many things that are not well understood. You are probably wondering a lot of questions! So, what do you really know about health coverage? 

UEX gives you answers to all the questions you may have about health insurance!  

 

UEX can recommend me a health insurance adapted to my needs.

Yes, it is the objective! UEX thinks health insurance in the most personalized way possible. Via our platform entirely designed for you, you can design the health insurance you need for you and your family, but also see and adjust directly the price you will pay and obtain your contract in just a few clicks. 

You can enjoy a 100% online subscription, but our UEX team remains at your disposal to answer all your questions and support you in your choice of health insurance if you have any doubt. For any questions, feel free to contact our advisors Marion or Alizée who will be happy to help you. 

 

I can keep my UEX health insurance if I move abroad.

Yes, but it depends on the coverage plan that you have chosen. The local plan does not cover you if you move out from Singapore. However, with an international plan, you can maintain your coverage. You just need to contact the UEX team in order to update your new country of residence. It allows you to avoid declaring again your pre-existing conditions. 

If you want to learn more about the differences between local and international plans, click here

 

My children will be well covered by my local health insurance.

It really depends on your needs and what you think is a priority. 

Insuring yourself and your whole family with a local plan is sufficient if you choose to go only to public hospitals, for example. With a local plan you are mainly covered for emergencies and hospitalizations, which is the main and most expensive risk.

On the other hand, let’s take an example: if you travel to Thailand and your child needs to see a doctor for an ear infection, only the international level allows you to be covered. Moreover, the international plan allows you to be reimbursed for your children’s vaccines.

 

If my employer gives me a health insurance, I’ll be well covered and won’t need to worry.

Not necessarily ! Admittedly, in Singapore many companies offer health insurance to their employees. However, some insurances will offer basic hospital insurance benefits without any cover regarding general practitioners or specialist consultations (and vice versa). Others will offer a very good coverage that can include dental or maternity but with no option to protect other members of your family or to protect you abroad. 

To learn more about your employer’s insurance policies and limitations, please read this article

 

It is always better to go to a private hospital.

Fake news. Indeed, public hospitals in Singapore also offer excellent quality of healthcare. So, it’s not necessary to go to private ones to be properly treated. According to your needs, you still have the option of including private hospitals in your insurance policy. But it has a definite impact on the price of your coverage. 

This article presents more precisely the differences between public and private hospitals in Singapore and will certainly help you make your choice! 

If you also want to have an idea of the price differences between the different types of hospitals, we have what you need here!

 

My health insurance will also cover me automatically in case of pregnancy. 

Wrong! Maternity coverage is always an option for basic health coverage, which will also cover hospitalization (inpatient) and general practitioner or specialist (outpatient). Without this maternity option, all costs related to your pregnancy (follow-up, delivery, etc.)  will be paid by you. 

Nevertheless, you must distinguish two levels of coverage. First, the coverage of potential complications which is already included in the inpatient part (hospital and surgery) at UEX. Then, the coverage of routine check-ups and delivery which must be taken in option. 

To know everything about maternity in Singapore, download our Maternity Guide

 

An international plan is always the best option. 

It depends on your needs. Actually, the international plan is the best option in three cases:

  1. If you want to have children, note that with an international coverage, you can opt for the maternity option which covers the follow-up of your pregnancy and childbirth. 
  2. If you want to cover young children, our international plan allows you to be reimbursed for vaccines and for consultations at a pediatricians.  
  3. If you are planning to move out of Singapore soon, international coverages are transferable in your new country of residence.Therefore, no need to change your contract and re-declare your pre-existing conditions.  

However, our local plan also presents some advantages. You are mainly covered for treatments in Singapore (for doctor’s consultations and hospitalisations). Moreover, with UEX you are still covered abroad for emergency medical repatriation or evacuation. 

Read this article to not hesitate any longer between local and international plan

 

I have to take an additional “dental option” to be well covered.  

Again, it depends on your needs! Just like the maternity and optical coverages, the dental coverage is also considered as an option in most health plans. It is, indeed, in addition to a minimum hospitalization plan.

If you have recurring dental problems (carries, tooth rage etc.), it is preferable to subscribe to the “dental option”. You will to be covered for these routine care. (please note that the level of coverage depends on the Base Plan chosen). 

However, if it is not your case, it is, perhaps, better to not subscribe to the additional “dental option” as medical dental interventions after an accident are reimbursed with UEX under the basic plan (with different limits depending on your insurance plan). 

For any further information about dental coverage and its prices in Singapore, you can read the following article

 

A local plan won’t cover me well enough in Singapore. 

Not necessarily. With the local plan type, you are covered for treatments in Singapore (doctor’s consultations and  hospitalisations). Note that this type of plan covers mainly hospitalization. When it comes to outpatient healthcare, the reimbursement limit is usually lower than the one with the international plan. But, if you go to public hospitals, it could be enough. Moreover, with this plan, if you want to see a specialist, you need to get a referral letter from your general practitioner. The cashless network is also usually limited to general practitioner only.

Check here if you are better covered with a local plan or an international one. 

 

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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