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Liberty MyHealth International Insurance (Essential)
On Liberty Insurance's website
International Health Insurance basically provides expats of all nationalities with health cover in the case they have to undergo any medical treatments overseas. While a lot of local health insurance only provides cover for once specific country, international health insurance gives you access to a wide range of medical benefits all around the world and is especially relevant to those who travel a lot (either for work or leisure).
There is sometimes overlap between the two but also a lot of key differences that you should be aware of when deciding which policy to take out for you and your family.
|Insurance Plan||Maximum Annual Payout|
|Now Health WorldCare (Essential)||$4,000,000|
|Aetna Pioneer (2500)||$3,600,000|
|AXA InternationalExclusive (Plan B)||$3,500,000|
|FWD International Health Insurance||$3,000,000|
Cheap does not always mean the best value and there are a few key things you need to consider when evaluating a policy to see if its good value:
“International” is a big area and there are a lot of different insurers providing different levels of coverage in their International Health Plans. Common choices are “worldwide” or “worldwide (excluding US),” however, some providers have plans for coverage specifically in Asia, e.g. AXA International Exclusive.
Given the range and scope that can accompany international health plans, don’t think you have to buy a standard “out-of-the-box” plan. Many insurers allow for customisable plans where you can chop and change the benefits and areas of cover that you need so you can create a policy that suits you best!
Premiums can be costly! Check if your insurer will allow for higher deductibles and co-insurance as this will help to lower the price of your plan’s premium.
It is common for expats living and working in Singapore to consider getting international health insurance, however this additional health insurance can also apply to Singaporeans who tend to travel abroad often for work. While expats working in Singapore are likely to have their health insurance covered by their organisation, some may want to supplement their benefits and find an international health plan that better suits their lifestyle. Likewise, local MediShield plans for Singaporean citizens and PRs don’t offer international coverage and those who have to travel often for work may want the extra peace of mind.
Perhaps not! It all comes down to the fine print and what is contained in the detail of your original health insurance plan, i.e. does it cover you outside your country of origin? If not then you’re out of luck and it is best to source an alternative that would also covers you in Singapore.
That could be enough, but again check the fine print and the level of benefits and coverage you’re entitled to; corporate plans tend to be general so you may find a few gaps missing. It’s also important to bear in mind that once you move company or retire you will no longer be covered by your former employer. A good way to go about it is to consider your corporate plan as additional coverage and take out a personal Health Insurance Plan that you know 100% will cover you for all your areas of concern.
Number one is the geographical area of coverage; there’s not point in getting international insurance if it’s not relevant to your physical location! Next, you’ll want to narrow down a few main providers and do a comparison of the key benefits which are most important to you. Lastly, you want to make sure the policy is affordable so examine the deductibles and co-insurance in greater detail. Roshi can also help! On our website you can compare different plans and determine which international health insurance policy that has the best coverage level for you at the most affordable price.