Why you need Health insurance in Singapore for foreigners

Travellers to form countries often don't consider what their health insurance covers until they have a medical emergency. If you are not careful in taking out the correct policy before you leave your native country, then you may find that you are not medically covered when you suffer an emergency. The cost of having treatment in a foreign country can be surprisingly expensive, and unless you have the right policy you could end up paying thousands of dollars for ambulance rides, emergency medical intervention, and even paying for your own hospital bed each night. These costs can soon mount up, and unless you are very careful, you could find yourself having to pay these expenses out of your own pocket. Finding the right health insurance in Singapore for foreigners can mean the difference between receiving treatment, and being priced out of the market.

Why national funded insurance is not the best option

Some tourists don't consider that they need to take out health insurance when they travel to certain countries, because they believe that they are covered by a state funded health insurance policy. However, one of the overriding principles of the National Health Service in Singapore is that there are no medical treatments provided completely free of charge. Even within public healthcare, the patient is still expected to pay, and charges can vary between different hospitals depending upon subsidy levels. Costs can quickly accumulate and get out of hand, and you are effectively being treated like a private patient despite using a public healthcare system. This is why it is vital that you don't rely upon public subsidies when you are considering what health insurance you need for a trip to Singapore.

Getting the best health insurance

When you are taking out a health insurance policy, you will most likely be expected to pay a premium which is calculated according to your particular circumstances. Insurers will consider your age, your current health, and the location of your stay. Policies may be worldwide, or may exclude specific countries, such as the United States, where medical expenses are extremely high. When you are taking out an Expat health insurance policy, cost is an important consideration, but you need to weigh this against the risk of falling ill in Singapore without having the necessary cover. The costs of uninsured treatment will be much higher, and you may be left penniless if you don't have the right insurance.

Here the author, Lisa Evans, writes this content about “Health Insurance Singapore For Foreigners” founder of Expatinsurance.com.sg