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What To Do With My Health Insurance During A Transition Period?

30 Sep 2019

More than 25% of Singapore’s population are expats, and regulations are a bit different for them. Foreigners in Singapore who leave their job or intend to change jobs will have their Work Pass cancelled, and thus, lose some rights including their company health insurance coverage.

To help you get a clearer idea on the topic and what to do to stay covered, we have gathered up all necessary information that you would have to take in account when leaving a job.

In which situations would you be covered? Would you still be covered after that? Which options would you have in terms of health insurance after the cancelation of your Work Pass.

Discover here all you need to know about your health insurance during this transition period!

 

First, in which situation would I be covered by my company’s health insurance?

As an employee, you are likely to be covered by your company’s health insurance plan. But some companies only cover you after the validation of your probation period, and not from Day-1. In this case, you can subscribe to a personal health insurance plan during your probation period. After validating your probation, if your company’s coverage is sufficient for your needs and you can cancel your personal contract. It is totally possible if there is no claims during this period.

If your company coverage is not sufficient, you can also keep your personal health insurance as a top-up plan of your employer’s one.

Are you wondering if your employee health insurance covers you enough? Get our Health Guide to understand your insurance plan and how to top-up. Our advisors are also happy to guide you through your decision.

 

And in which cases could I lose my employee health coverage? 

To benefit an employee health insurance, you need to hold a valid Employment Pass (EP) or S-Pass. Therefore, having your Work Pass cancelled would affect your access to this coverage. There are 5 cases in which your Work Pass would be canceled:

  1. You resign from your current job to leave Singapore permanently.
  2. You are retrenched by your current employer and intend to leave Singapore permanently.
  3. You are retrenched by your current employer and wish to find another job in Singapore.
  4. You resign from your current job and wish to find another job in Singapore.
  5. You resign from your current job to start your own business in Singapore.

Thus, quitting your company means that you would not benefit your employee health insurance  anymore.

 

Without a valid Work Pass, what are my health insurance options?

In most cases, to subscribe for a personal health insurance plan in Singapore, you have to legally reside in the country. An insurance plan is always attached to your country of residence only. Thus, a valid Work Pass is needed in order to be eligible for personal insurance subscriptions.

However, with April’s insurance plans provided by UEX, Work Passes are not mandatory. Only your passport is required to subscribe to a personal health insurance plan, as April is an international provider.

A travel insurance covers you for a fixed period of time, where you will travel abroad. Subscribing for a travel insurance in Singapore means you are currently living in the country, but are travelling abroad and need to be covered during this period. Therefore, you need to prove your legal residency in Singapore through a valid Work Pass. Having your work permit  canceled, you will not be eligible to get travel insurance from a Singapore-based insurance company. 

However, as an expat, you may subscribe to an insurance in your country of origin. Doing so, you will still have to be careful on the following points:

  1. If it is possible to subscribe to a travel insurance when you are already abroad;
  2. If the maximum time of coverage of the travel insurance plan fits your needs.
  3. If you are already abroad and subscribe to a health insurance, would there be a waiting period, during which you would not get reimbursed for medical expenses. If so, the waiting period usually goes from 10 to 30 days;
  4. Be careful on the limits of coverage. Make sure the reimbursement limit is sufficient for medical expenses and hospitalisation of the area where you currently stay.;
  5. Make sure that your travel insurance plan also covers medical expenses for minor accidents and sickness, as this could become a major expense
  6. Make sure that the repatriation coverage is unlimited, as this could represent a high costs. 

It is to be noted that if you currently hold a Work Pass in Singapore, you will not be able to subscribe to a travel insurance of your home country. Residing in Singapore, you will have to subscribe to a personal health coverage of a singapore-based provider.

 

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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