{"id":1165,"date":"2018-07-20T15:46:33","date_gmt":"2018-07-20T07:46:33","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=1165"},"modified":"2023-08-04T17:10:27","modified_gmt":"2023-08-04T09:10:27","slug":"long-term-health-insurance-guide","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/long-term-health-insurance-guide\/","title":{"rendered":"Your guide to obtaining long term health insurance is now released"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Our newly released <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">Guide to obtaining long term health insurance<\/span><\/i><\/a><span style=\"font-weight: 400;\"> leverages our team\u2019s 18+ years of extensive knowledge in the industry to highlight the main reasons and strategies for securing long-term health insurance. This guide is an essential read for everyone who wants to learn more about securing the best long term health insurance.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-5' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/compare-quotes\/step-one\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=general\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-778\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2024\/07\/Blog-Banner_Singapore_1.jpg\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">About <\/span><i><span style=\"font-weight: 400;\">Your guide to obtaining long term health insurance<\/span><\/i><\/h2>\n<p><span style=\"font-weight: 400;\">Finding cost-effective long term health insurance is a goal for the majority of our clients.\u00a0<\/span><span style=\"font-weight: 400;\">A good medical plan secures your future health spending and guarantees you essential coverage in case you develop any chronic diseases, all with low annual premium increases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime\u2019s <\/span><i><span style=\"font-weight: 400;\">Guide to obtaining long-term health insurance<\/span><\/i><span style=\"font-weight: 400;\"> will provide you with a comprehensive overview of the most common questions among policyholders during policy renewal time. Get your <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">free copy<\/span><\/a><span style=\"font-weight: 400;\"> today to learn more about:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Why purchasing a health plan with the long term in mind is a smart move<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Where to find an insurer\u2019s history of premium increases<\/span><\/li>\n<li><span style=\"font-weight: 400;\">How to identify the best long term health insurance plan<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Why using the service of a broker is a good choice for securing the best long term health insurance plan<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What to look for when choosing a long term health insurance plan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Literally everyone benefits from securing a good long term health insurance plan. One of the key advantages of securing long-term health insurance is the peace of mind it offers. It is important to select the right health insurance the first time, as choosing poorly can expose you to unexpected higher costs and\/or poor coverage in the future. Below are some tips of what to look at when deciding to get a long term health insurance plan.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The Plan <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In a world where a whopping 3.2% of the population (that\u2019s about 230 million people) is an expatriate, and moves countries on average three times in a lifetime, getting the right international health insurance plan could be crucial. An international health plan will go with you wherever you go, letting you focus on what you want to be doing, be it business or pleasure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Having access to the right doctors and hospital networks can be as important as the annual limits you can claim, making it an important factor for when deciding on a health insurance plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some plans only offer coverage up to a certain age, so when shopping for a health insurance, it\u2019s important to look for plans that do not have a maximum age limit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another, and perhaps the most important benefit of getting a long-term health insurance is the fact that it will cover all the chronic diseases that you have developed while you have been insured. We covered in more detail the impact of chronic diseases on the health insurance premiums in <\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2018\/07\/09\/ncds-health-insurance-cost\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">this post<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The cost <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medical costs continue to rise, and so have health insurance premiums. While small premium increases every year are unavoidable, a sudden big increase can force you to change providers. This might be a good move for those who are enjoying good health at policy renewal time. but for many, this could be a costly move if they happen to have developed any of the chronic diseases while on their current plan. This is because a new health insurance policy most likely won\u2019t cover any pre-existing conditions, essentially increasing your overall out of pocket medical spending. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The insurer <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are good and better insurers on the market. Do your research and check for how long a particular insurer has been in business for. Is the insurer well known in the territory you need coverage within? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other very important things to understand are how and why your insurer of choice is increasing premiums. Will your premiums increase based on the number of claims you\u2019ve made? Is the insurer\u2019s premium increase history in line with the actual increase of medical costs? <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2018\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">International Private Medical Insurance Inflation &#8211; 2018<\/span><\/i><\/a> <span style=\"font-weight: 400;\">was created to aid you in establishing whether your insurer of choice has a stable and reasonable premium increase history.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The broker <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With so many plans and insurers to choose from, and having so much at stake, one can get a bit confused when searching for an insurance plan. That\u2019s why getting advice from an experienced broker is extremely helpful when searching for a plan that you can use long term. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers have in-depth knowledge of both the insurers and their plans and will advise you based on that knowledge. Since brokers, such as those at Pacific Prime Singapore, work with multiple providers, you\u2019ll get various plans to choose from, and be advised on the pros and cons of each plan. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our advice is free of charge, so go ahead and <\/span><a href=\"https:\/\/www.pacificprime.sg\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\"> today and don\u2019t forget to download <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">Your guide to obtaining a long term health insurance<\/span><\/i><\/a><span style=\"font-weight: 400;\"> today!<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/compare-quotes\/step-one\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-781\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2019\/06\/PPSG_Gen_02.jpg\" alt=\"Get an Insurance quote banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our newly released Guide to obtaining long term health insurance leverages our team\u2019s 18+ years of extensive knowledge in the industry to highlight the main reasons and strategies for securing long-term health insurance. This guide is an essential read for everyone who wants to learn more about securing the best long term health insurance. About &#8230;<\/p>\n","protected":false},"author":18,"featured_media":1167,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[3,2],"tags":[770,944,768,38,531,941,942,943],"class_list":["post-1165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-insurance","tag-ban_gen","tag-chronic-diseases","tag-cta_gen","tag-health-insurance","tag-insurers","tag-long-term-health-insurance","tag-long-term-health-insurance-guide","tag-premium"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your long term health insurance guide is now available - Pacific Prime<\/title>\n<meta name=\"description\" content=\"Download our guide today to find out what is a long term health insurance plan and whyt it is advisable to secure one early in life!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.sg\/blog\/long-term-health-insurance-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your long term health insurance guide is now available - 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She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more. Jantra curates and reports on the results of Pacific Prime\u2019s monthly newsletters, as well as manages Pacific Prime\u2019s Deputy Global CEO\u2019s LinkedIn posts. Complemented by her background in business writing, Jantra\u2019s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is. Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.","sameAs":["https:\/\/www.linkedin.com\/in\/jantrajacobs\/"],"url":"https:\/\/www.pacificprime.sg\/blog\/author\/jantra\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/1165"}],"collection":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/comments?post=1165"}],"version-history":[{"count":7,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/1165\/revisions"}],"predecessor-version":[{"id":1183,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/1165\/revisions\/1183"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/media\/1167"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/media?parent=1165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/categories?post=1165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/tags?post=1165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}