{"id":2310,"date":"2020-08-21T16:58:46","date_gmt":"2020-08-21T08:58:46","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=2310"},"modified":"2020-08-21T16:58:46","modified_gmt":"2020-08-21T08:58:46","slug":"5-tips-for-choosing-child-health-insurance-in-singapore","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/5-tips-for-choosing-child-health-insurance-in-singapore\/","title":{"rendered":"5 tips for choosing child health insurance in Singapore"},"content":{"rendered":"<p>Even though Singaporean children are lucky enough to be covered by Medishield Life, many parents prefer the peace of mind that comprehensive health insurance has to offer. Securing private health insurance for your child also ensures that they are protected from rising medical costs. In this <a href=\"https:\/\/www.pacificprime.sg\/blog\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pacific Prime Singapore article<\/a>, we offer five tips to keep in mind when shopping for child health insurance in Singapore.<\/p>\n<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\n<h2>1. Evaluate your current situation<\/h2>\n<p>For Singaporeans, Medisave funds can be used towards your annual premiums if you purchase a <a href=\"https:\/\/www.pacificprime.sg\/health-insurance\/individual\/\" target=\"_blank\" rel=\"noopener noreferrer\">basic health insurance plan<\/a> or an Integrated Shield Plan. Any other type of insurance plan has to be paid for out of pocket. The amount you\u2019ll have to pay depends on several factors, including:<\/p>\n<ul>\n<li>Your child\u2019s age<\/li>\n<li>Both parent\u2019s age<\/li>\n<li>The sum assured<\/li>\n<li>The payment period and terms<\/li>\n<\/ul>\n<p>Similarly, the amount of insurance you should buy depends on your requirements, budget, and lifestyle. It\u2019s a good idea to go over your family\u2019s medical history before purchasing an insurance plan. If your family has a strong history of cancer, for example, then it is ideal to purchase individual health insurance for your child as early as possible. That way, your child can continue to stay insured without worrying about pre-existing condition coverage.<\/p>\n<h2>2. Carefully consider your level of coverage<\/h2>\n<p>Take your time when selecting your insurance policy and hospital ward class. Some people rush to purchase a plan that limits the type of ward they can stay in, only to later wish they had chosen otherwise. For example, if you want to upgrade your child to an A Class ward despite purchasing a plan that only covers a B Class ward, you\u2019ll end up with a prorated hospital bill and have to pay a higher deductible.<\/p>\n<h2>3. Cover your child as early as possible<\/h2>\n<p>Getting your child insured when they don\u2019t have any pre-existing conditions is easy. However, any condition that develops as they\u2019re growing up will become a permanent part of their medical history. Pre-existing conditions can make it difficult to secure life insurance with critical illness coverage later on in life. Hospitalization bills can take a huge part, or even all, of your savings, especially for expensive procedures like surgery.<\/p>\n<p>Therefore, it\u2019s crucial to prepare for the future by securing comprehensive insurance coverage for your child while they are still young. Your best bet is to get your child on a health insurance plan once you have their birth certificate.<\/p>\n<h2>4. Always tell the truth<\/h2>\n<p>Make sure you are honest in your application. Even though you might not want to reveal all the information about your child\u2019s health and healthcare when you\u2019re applying for a plan, any misrepresentation or non-disclosure that is found later on can cause issues. In fact, it can result in a claim being rejected or, even worse, termination of the policy.<\/p>\n<h2>5. Observe them<\/h2>\n<p>Aside from the four tips above, it\u2019s also advisable to monitor your child\u2019s behavior and lifestyle. Does your child get sick often? Is he accident-prone? These factors will help you choose the most comprehensive health insurance plan for your child.<\/p>\n<p>Remember that children typically get into accidents and fall sick more frequently than adults. Purchasing insurance ensures they\u2019re covered in case the unexpected happens and their medical costs become hefty.<\/p>\n<h2>How to choose the right child health insurance plan<\/h2>\n<p>Purchasing health insurance for your child is undoubtedly a smart move. However, with so many types of insurance plans available, narrowing down your options is no easy feat.<\/p>\n<p>Health insurance plans typically reimburse medical expenses like treatment for accidents and illnesses, hospitalization, and surgery. You can also get plans that cover hospitalization, surgery, or outpatient visits to GPs and specialists. If you\u2019re after coverage for serious medical conditions then you can look into critical illness cover as a standalone plan or an add-on to a life insurance plan.<\/p>\n<p>In some cases, your existing critical illness plan might extend coverage to your child for a nominal fee. Similarly, your employer-provided health insurance plan might be able to cover your child as well.<\/p>\n<p>Some important questions to ask when selecting a child health insurance plan include:<\/p>\n<ul>\n<li>When will your child start being covered?<\/li>\n<li>Is there a waiting period?<\/li>\n<li>What kind of coverage does the plan provide?<\/li>\n<li>Are common illnesses included? (Hand, foot, and mouth disease, food poisoning, etc.)<\/li>\n<li>What policy exclusions are there?<\/li>\n<\/ul>\n<p>If you, as the parent, are the policyholder for your child\u2019s insurance plan, it\u2019s important to find out whether your child will continue to receive cover if something were to happen to you. With so many factors and considerations to think about, it\u2019s easy to see how securing health insurance can be an overwhelming process for many. Fortunately, <a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pacific Prime Singapore<\/a> is here to help.<\/p>\n<p>As a global insurance broker with more than 20 years in the industry, we know what you need to look out for. By working with leading insurance brokers in Singapore and across the globe, we ensure you get the best child insurance plan in Singapore for your needs and budget. <a href=\"https:\/\/www.pacificprime.sg\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\">Contact us<\/a> for impartial advice or an obligation-free quote today.<\/p>\n<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\n","protected":false},"excerpt":{"rendered":"<p>Even though Singaporean children are lucky enough to be covered by Medishield Life, many parents prefer the peace of mind that comprehensive health insurance has to offer. Securing private health insurance for your child also ensures that they are protected from rising medical costs. In this Pacific Prime Singapore article, we offer five tips to &#8230;<\/p>\n","protected":false},"author":18,"featured_media":2311,"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":[767,792,1924,768,217,457,1925,462],"class_list":["post-2310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-insurance","tag-ban_sin","tag-child-health-insurance","tag-child-insurance-plan-in-singapore","tag-cta_gen","tag-family-health-insurance","tag-individual-health-insurance","tag-individual-health-insurance-for-your-child","tag-pre-existing-conditions"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Tips for Choosing Child Health Insurance in Singapore<\/title>\n<meta name=\"description\" content=\"Getting health insurance for your child has many benefits, but how do you go about it in the right way? 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