{"id":1236,"date":"2018-08-31T17:26:17","date_gmt":"2018-08-31T09:26:17","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=1236"},"modified":"2023-08-04T17:10:05","modified_gmt":"2023-08-04T09:10:05","slug":"the-most-cost-effective-health-insurance","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/the-most-cost-effective-health-insurance\/","title":{"rendered":"What is the most cost-effective health insurance type?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When choosing insurance, we all want to make sure that we get great benefits for the price we pay. We also know that health insurance can be tricky &#8211; in terms of understanding the terminology, exclusions, and the conditions of plans. How do we know what the most <\/span><span style=\"font-weight: 400;\">cost-effective health insurance<\/span><span style=\"font-weight: 400;\"> is, based on our specific needs? What aspects of the insurance policy are the most important, and why do some plans only seem cost-effective at first, but in the long run, they can ruin our finances and chances of getting a quality plan at a fair price? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In today\u2019s article, <\/span><a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener\"><b><i>Pacific Prime Singapore<\/i><\/b><\/a><span style=\"font-weight: 400;\"> will explain in detail how a particular insurance plan type can serve you throughout your entire life.<\/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<h2><span style=\"font-weight: 400;\">Cost-effective health insurance<\/span><span style=\"font-weight: 400;\"> is long term insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">First of all, no plan will be accompanied with a sign or description saying: \u201cshort term plan,\u201d or \u201clong term plan.\u201d That\u2019s something an experienced broker, like Pacific Prime, or the content featured in our latest <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><b>Guide to Obtaining Long Term Health Insurance<\/b><\/a><span style=\"font-weight: 400;\">, can help you determine. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Short term vs. long term health insurance plans <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Let us explain how short and long term health insurance plans differ. While at the beginning some plans might look like they offer great benefits with considerably lower premiums than other policies, be wary, as you may fall into a trap. Some newer insurers on the market initially offer cheap premiums to lure new customers. But such a strategy can\u2019t be sustainable, and after some time, maybe a year or two later, these insurers will most likely drastically increase their plan premiums (to even higher rates than other plans), so they can start making a profit, and compensate for the time they lost money on medical claims. That\u2019s what we call a short term plan because quite often clients will drop out of the policy and not be able to pay the increased premium. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Changing an insurance plan comes with many disadvantages, as you will almost certainly lose coverage for any chronic conditions you have developed during the last policy, leaving you with no option but to pay higher premiums with your new insurer. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To find out more about how health insurance premiums have increased, download our complimentary <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2018\/\" target=\"_blank\" rel=\"noopener\"><b><i>International Private Medical Insurance Inflation Report<\/i><\/b><span style=\"font-weight: 400;\"> here.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Long term plans on the other hand, initially come with what might seem like a higher premium, but in reality, such plans follow the internationally agreed premium rates based on the above mentioned <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2018\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">IPMI Report<\/span><\/a><span style=\"font-weight: 400;\">. With steady premium increases, which you can afford and be prepared for, such plans gain the title of the most cost-effective health insurance plans, as they have the potential to serve you for a lifetime.<\/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-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/plans\/individual-health-insurance\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-774\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg\" alt=\"Individual health insurance blog\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How can long term health insurance protect you now, and in the future? <\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Finding that perfect balance between premiums and benefits is tough, but indeed an essential step if you are looking for the most cost-effective health insurance plan on the market. You want to be protected from high medical costs now, but also in the future. Now you know that if you choose your plan poorly and have to change insurers often, insurance companies most likely will impose higher premiums or reject the coverage if you develop any chronic diseases, or are above the certain age limit. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime has recently released a whole guide dedicated to the topic of <\/span><b>long term health insurance<\/b>, which is available <i><\/i><span style=\"font-weight: 400;\">to <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><b><i>download<\/i><\/b><\/a><span style=\"font-weight: 400;\"> for FREE. In it we have covered in great detail how a long term plan can serve you continuously; for a short overview, you can read the below: <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Continuous protection <\/span><\/h3>\n<h4><span style=\"font-weight: 400;\">Pre-existing conditions cover<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">A pre-existing condition is a term that worries many of Pacific Prime\u2019s clients. Almost everything can be considered a pre-existing condition and may be subject to a plan exclusion when you join a new plan. Some international policies may offer a waiting period or a higher premium to cover your pre-existing conditions, but it\u2019s not a guarantee and is unavoidably linked to higher policy costs. We advise our clients to choose the right policy once and stick to it for a long period of time or throughout their lives to ensure they can affordably receive continuous medical care. <\/span><\/p>\n<h4><span style=\"font-weight: 400;\">No age limits<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Another important feature of the most cost-effective health insurance plans is that they can offer to cover your medical expenses for the entire course of your life. While you may be thinking that paying for an insurance plan from the age of 30 is not very cost-effective, it&#8217;s important to consider the future. When you are, say, 60 years old with one or more chronic diseases &#8211; it&#8217;ll certainly be a great challenge to obtain new health coverage for these conditions. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">A good quality policy will allow you to cancel anytime, but the insurer won\u2019t have that right &#8211; giving you the decision power. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Stability of premium increases <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Premiums and their steady increases are the most important factor when determining a quality long term health insurance policy. With the aid of our yearly reports such as the previously mentioned <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2018\/\" target=\"_blank\" rel=\"noopener\"><b><i>IPMI<\/i><\/b><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/cohi-2018\/download\/\" target=\"_blank\" rel=\"noopener\"><b><i>Cost of Health Insurance<\/i><\/b><\/a><span style=\"font-weight: 400;\"> reports, you can predict your plan\u2019s premiums, and your overall medical spending very carefully. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another essential thing to consider here is whether the insurer increases premiums based on claims. If that\u2019s the case, your current plan is not a good fit for the long term! Quality plans will not increase premiums based on their existing client\u2019s claims history, but in accordance with medical cost inflation. The most cost-effective health insurance will be a stable and predictable one.<\/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-3' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/plans\/family-health-insurance\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=family\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-777\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2024\/07\/SEO-Banner-General.webp\" alt=\"Family insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Portability of plans <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The great thing about international health insurance plans is that they can cover you everywhere in the world &#8211; unless you choose a plan that excludes USA coverage. Moving countries for work, holidays, or adventures and keeping your coverage for all conditions, and having access to the best private clinics worldwide is what makes international plans superior. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are those plans more expensive? Yes. But despite the fact that local or regional plans are usually cheaper, they only cover you in one place, or in one region. If you have to move or even go overseas for a holiday, you need to spend that extra money anyway for new health insurance or travel policies. And what if you have to move countries whilst you&#8217;re in the middle of your local plan? Well, no one is going to reimburse you for having to pay for two policies at the same time, so you will have to do so until the old one expires. Local plans, in this example, are not the most cost-effective health insurance option. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Auxiliary coverage benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many of the international private medical plans come with a set of auxiliary coverage benefits. These benefits often go beyond standard medical-related only benefits and might include supplemental cover for:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Assistance for major political\/terror issues;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Medical evacuation;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Right to a second opinion;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Convenience services &#8211; e.g., 24-hour nurse advice hotlines, pharmacy delivery;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">And more.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While the chances of a major accident in which you need to be transported to a highly specialized clinic or require terrorist-related assistance are slim, it\u2019s nice to have that extra layer of protection. Such additional benefits are an indication of excellent private medical insurance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to identify the most <\/span><span style=\"font-weight: 400;\">cost-effective health insurance<\/span><span style=\"font-weight: 400;\">? <\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s summarize what we\u2019ve learned from this article:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The most cost-effective health insurance plans are long term plans;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">A long term plan can sometimes be kept for an entire lifetime;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Long term plans protect you from long term financial loses;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Long term plans come with stable premiums and continuous protection; <\/span><\/li>\n<li><span style=\"font-weight: 400;\">The cost-effectiveness of long term policies can be seen even sooner, as it provides international coverage and a set of extra benefits.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Besides knowing what to expect from a quality health insurance plan, you should also know how to recognize one! However, getting a quality policy that has the potential to stick with you for the long term can be complicated. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime has identified ten ways of determining a quality long term health insurance plan in our <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><b><i>Guide to Obtaining Long Term Health Insurance<\/i><\/b><\/a><span style=\"font-weight: 400;\">, which is available for free to download. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have any further questions, feel free to <\/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;\"> and ask one of our <\/span><a href=\"https:\/\/www.pacificprime.sg\/about-us\/advisors\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">insurance advisors<\/span><\/a><span style=\"font-weight: 400;\"> to discuss your options! <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When choosing insurance, we all want to make sure that we get great benefits for the price we pay. We also know that health insurance can be tricky &#8211; in terms of understanding the terminology, exclusions, and the conditions of plans. How do we know what the most cost-effective health insurance is, based on our &#8230;<\/p>\n","protected":false},"author":18,"featured_media":1240,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[3,2],"tags":[769,767,976,768,975,922,941,977,44,462,978],"class_list":["post-1236","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-insurance","tag-ban_fam","tag-ban_sin","tag-cost-effective-health-insurance","tag-cta_gen","tag-guide-to-obtaining-long-term-heath-insurance","tag-international-private-medical-insurance-inflation","tag-long-term-health-insurance","tag-long-term-plans","tag-pacific-prime-singapore","tag-pre-existing-conditions","tag-stable-premiums"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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