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Looking for help in identifying the top insurance providers and the premium difference between Global and Local insurance for similar type of benefits.
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Josh Tay
02 Nov 2020
Financial Consultant at Great Eastern Life Assurance
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Hi Anon, there are a few questions before going ahead to choose the most suitable plan.
Her country of permanent residence ? - If it is USA, then she would be well off purchasing a USA Travel Insurance to cover her stay in Singapore or extending her local Medical cover to cover Singapore.
Duration of stay in Singapore. - If it is only for a short period of time, a travel insurance can reimuburse medical expenses, up till about 90 days.
Local vs Global plans.
purchase a local plan if she has the intention to reside in singapore. Because it is limited only to Singapore hospitalization.
purchase a global plan, if she wants to travel around a few countries and stay for extended period of times (more than 4 months) each trip. Another advantage is that global plans usually have outpatient, dental, specialist cover. However the premiums are way more expensive.
Some Global Medical Health Insurers:
NowHealth, Cigna, Liberty.