Find The Best Health Insurance In Singapore

Last Updated On 19/08/2019

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Introduction

We often read about the ever rising costs of healthcare in Singapore. Most of just shake our heads and thank our lucky stars that we’ve never had to go through major surgery or fight off a life-threatening illness.

Yet, every Singaporean can recount a tale of a relative or a friend who struggled to pay their medical bills when they fell ill. It is hard to imagine when we’re young, fit and healthy, of a day when we might fall sick and be unable to work. But what happens then? Should the day come when you find yourself ill and unable to work.

That’s where health insurance comes in. Health insurance is a shield that allows you to protect yourself and your loved ones from the threat of ruined health leading to ruined wealth, removing the financial burden from yourself when you’re ill and allowing yourself to focus on recovering without having to worry about money. This is also the most important insurance coverage that everyone should have.

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How Much Cover Should I Get?

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Deciding on the amount of cover you should get is a delicate balancing act. No two lives are the same, and so the amount of coverage you need differ from person to person.

There are however some factors that you may want to take into account.

  • Are you the sole breadwinner in your family?
  • Do you have any history of medical illnesses in your family?
  • What kind of financial impact would it have on you, if you weren’t able to work for a prolonged period?
  • Should you be unable to look after yourself, is there anyone who could act as a caregiver?
  • Do you have any outstanding debts/ financial obligations?
 

Beginners’ Mistakes

Buying a health insurance policy can be initially confusing. Thankfully, our experience in the industry allows us to help our clients identify and avoid common mistakes.

Take a look at the list below to learn from our collective experience, and take these points into consideration as you look at taking up your health policy. If you’d like additional advice just contact us. We’re always on hand to help.

Top 10 Beginners’ Mistakes

medical conditions health insurance Not considering what illnesses, surgeries or medical conditions are covered by your insurance
deductible/ co-payment Ignoring or not knowing the deductible/ co-payment of your policy
insurance companies medical conditions Assuming all insurance companies treat all medical conditions in the same manner
health insurance coverage Taking on too much cover
insurance policy with a premium Picking a policy with a premium that stretches you financially
type of health insurance policy Buying the wrong type of health insurance policy
health insurance policy comparison Buying the first policy they’re offered without shopping around
insurance after health condition Waiting to apply only after you have a health condition
research health insurance Not clarifying all their doubts before they make a decision to purchase from a particular insurer
skip health insurance Skipping health insurance because they’re healthy at the moment
 

Why Us?

At EasyRates, we understand that taking out a health insurance policy can be a confusing and long drawn process. 

We want to assist you with taking this step by giving you the knowledge, tools and resources to help you make the right policy choice with the least hassle.

We will provide you with as much (or as little) help as you want - whether this means simply giving you access to a suite of valuable tools to help you make an informed decision, or holding your hand and guiding you through each and every step of the health insurance consideration, shortlisting and selection process.

Why Our Customers are Raving Over EasyRates

  • loans and health insurance

    One-Stop Hub

    We provide more than just home loans, we are a one-stop hub for all complimentary needs, including refinancing, equity loans, commercial property loans, personal and business loans and insurance.

  • health insurance help

    Personalised Guidance

    Lost? Don’t be. Chat with our consultants, they’ll guide you through the entire home loan selection and application process.

  • health insurance response

    Prompt Response

    There’s no waiting around with EasyRates. We promise to reply to your applications and questions within 24 hours.

  • best health insurance rates

    Best Rates

    Get offers for the most competitive home loan rates in Singapore.

  • home loan and health insurance comparison

    Comprehensive Home Loan Comparisons

    Find the best, most suitable loans within seconds – from the convenience of your computer or mobile device.

  • comprehensive health insurance

    Strong Partnership with Banks

    We partner with the top banks in Singapore to offer you the most attractive, comprehensive home loan offers

Frequently Asked Questions (FAQ)

No, you may only be reimbursed from one insurance provider.
It very much depends on your policy, some insurers cover treatment in a few countries, while others may only cover health insurance locally.
Riders are additional options you may choose to take up with your insurance policy that offer additional protection/ benefits on top of what is included in your health insurance policy for an additional premium. Common riders include daily cash benefits for hospitalization and ability to go to seek treatment in a private hospital instead of a public one.
The premium payable depends on a number of factors such as your percentage of coverage, health status, age, etc.
You are usually allowed to choose your preferred payment frequency: one-time, monthly, quarterly, semi-annually or annually.
This will vary from policy to policy. Some health insurance policies ensure that cover is provided perpetually as long as premiums are paid on time. Having said that, your benefits may change when your health insurance policy is due for renewal.
 
In other policies, insurers may reserve the right to terminate cover after a major medical claim. There are also short term health insurance policies, such as those provided as part of employment benefits that may cease when you stop working for the employer.
In general, there are four situations that may end your health insurance policy namely, reaching the maximum age in your policy, receiving the maximum benefits under the policy, insurer cancelling cover and failing to pay premiums.
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