Medical Insurance

Depending on your policy, wait periods can range from 12 to 24 months.

You can choose any doctor that is part of your insurance company’s network. Your doctor can then give you a choice of in-network specialists he or she can refer you to. If you want to be treated by a doctor that is out of network, you may have to pay additional charges.

Yes, but not every insurance company will provide coverage for foreigners with this visa.

The 30 critical illnesses covered are:

  • Major Cancers
  • Heart Attack
  • Stroke
  • Coronary Artery By-Pass Surgery
  • Kidney Failure
  • Aplastic Anaemia
  • Blindness (Loss of Sight)
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma
  • Deafness (Loss of Hearing)
  • Heart Valve Surgery
  • Loss of Speech
  • Major Burns
  • Major Organ/Bone Marrow Transplantation
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson’s Disease
  • Surgery to Aorta
  • Alzheimer’s Disease/Severe Dementia
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Progressive Scleroderma
  • HIV Due to Blood Transfusion and Occupationally Acquired HIV
  • Benign Brain Tumor
  • Encephalitis
  • Bacterial Meningitis
  • Major Head Trauma
  • Angioplasty and Other Invasive Treatment for Coronary Artery

Some medical plans cancel within a certain number of days after you leave Singapore. Other medical insurance covers you on the same policy, with no additional premium until your renewal. The insurer may then invite renewal at a different premium rating depending on your country of residence.

Most comprehensive medical insurance products offer worldwide coverage in the case of accidents or emergencies. The option to choose to undergo treatment outside of Singapore is a unique feature of a select few products in the market. It’s important to know whether you are covered for medical treatment you may seek while outside of Singapore.

Depending on the insurer, the condition and your profile, terms may be offered to extend coverage for certain pre-existing conditions. In this instance, coverage can be extended to cover the condition with the payment of additional premium.

Absolutely. Top-up coverage is designed to offer additional protection on an individual or family basis. Top-up plans work by increasing your accident, annual and lifetime limits. If you’d like some guidance regarding the level of care provided by your employer, we invite you to contact us for a complimentary review of your current medical insurance plan and if necessary, recommend top up options too.

No, Maternity Cover can only be secured as part of a Medical Insurance Plan.

If you’re planning on getting pregnant soon, we strongly recommend you have a health insurance plan that includes maternity insurance. Maternity insurance will mean that pre-natal check-ups, doctor/OBGYN visits, routine scans and blood tests, delivery and post-natal care for both mum and baby are covered. You’ll be able to deliver and recover in a private hospital with the best care imaginable.

It’s also important to know that while many health insurance policies restrict coverage for your newborn immediately following birth, especially if the mother has not served a wait period under the policy, other policies are designed to provide coverage for a baby from birth. Understand what your health insurance plan entails so you’re 100% educated upon the arrival of your little one!

Most insurers enforce a at least a 12 month waiting period before you can claim on your maternity insurance, so speak with the experienced Diot-Siaci Asia team for a free consultation on the best maternity insurance plan for you.

A pre-existing condition is any injury or physical or mental illness, either previously diagnosed or symptomatic, that would require medication or treatment prior to policy issuance. Usually, when you look at securing a new health insurance plan your insurer will ask you to note down any ongoing treatments or pre-existing conditions you may currently have. If the conditions are serious enough they will usually exclude any coverage related to the illness or injury. There are some exceptions, for example, conditions like a broken leg, cold/flu, chickenpox, and other minor injuries/illnesses/infections that you have had before will not be excluded.

The important thing to be aware of when considering whether a condition you’ve had might be labelled by insurers as a pre-existing condition is whether you have had it in the past and whether it affects your health now or in the future. If yes, then there is a much higher chance it will be labelled as a pre-existing condition and could be excluded.

Congratulations! In Singapore, it is becoming increasingly difficult to secure maternity insurance coverage if you’re already pregnant. Nowadays, most insurers require you to fulfil at least a 12 month waiting period before being eligible to claim. Circumstances do vary so contact the Expat Insurance team for advice you can trust.

To sidestep any future financial worries should the unexpected happen again, we recommend adding maternity insurance cover to your existing medical insurance plan in Singapore.

There isn’t a price difference if you purchase a policy through Diot-Siaci Asia versus directly with the Insurer. The prices we quote are the same cost as those offered directly through the insurer, however you’ll receive our award-winning customer service support for the entire term of your policy.

With over 2000 different insurance products available, we work with you to clearly understand your needs and design a plan that’s specifically tailored to your circumstances. Our service is free of charge, and we are here for you whenever you need us.