Hospitalization Insurance | Pacific Prime Insurance Brokers

Singapore Hospitalization Insurance

Private hospitals in Singapore are expensive, especially when it comes to admission fees. With a quality hospitalization insurance policy, you’ll be able to significantly reduce out-of-pocket payments each time you are admitted to the hospital. Get a free hospitalization insurance quote to start receiving coverage for inpatient treatments today!

What do hospitalization insurance plans cover?

Hospitalization insurance plans in Singapore, also known as inpatient insurance, cover for any treatment or procedure costs incurred while you are admitted to a hospital. With this type of health insurance plan, you’ll be covered for the following:

Semi-private or private hospital rooms

If you’re going to have to stay at a hospital overnight, there’s no question that semi-private or private rooms are the preferred choice. However, these rooms can be extremely expensive in Singapore’s leading private hospitals. With hospitalization insurance, you won’t have to make full out-of-pocket payments for these rooms.

Intensive care rooms

The intensive care unit (ICU) can be absolutely necessary when treating a serious illness. As intensive care rooms require more equipment and staff support, they will typically be more expensive than normal patient rooms.

Surgical, anesthetic, and operating room fees

With a hospitalization insurance policy, you’ll also be covered for the cost of major operations. Medical fees related to surgical, anesthetic, and operating rooms can be covered under an inpatient plan.

Inpatient medicine

The cost of the medicine that has been administered or given to you during your hospital stay will be covered under a hospitalization insurance policy.

Ambulance transport expenses

Ambulance services aren’t free, especially if it’s from a private hospital in Singapore. With inpatient benefits, you won’t have to pay for the full price of the ambulance transportation fee.

Diagnostic tests

Diagnostic tests like CT scans are not cheap, and you never know when you need one until suspicious symptoms appear. With an inpatient plan, you’ll be covered for the diagnostic tests.

Doctor’s and nurse’s medical fees

Diagnostic tests like CT scans are not cheap, and you never know when you need one until suspicious symptoms appear. With an inpatient plan, you’ll be covered for the diagnostic tests.

How do I start comparing hospitalization insurance plans?

Hospitalization plans come in many forms, each targeting people with different medical conditions, budgets, and expectations. To find the best plan that suits your medical needs, follow these four steps when comparing hospitalization insurance plans:

1. Measure up premiums with the benefits being offered

Some hospitalization plans may have extremely cheap premiums, but the benefits that are being offered may not be worth your money. Meanwhile, other plans may have premiums that are too high for your budget. When comparing different inpatient plans, you need to find one with the right balance between premiums and benefits.

2. Choose plans that cover your pre-existing conditions

Many plans available in Singapore will not cover the treatment costs of chronic medical conditions you may suffer from. For this reason, if you have any pre-existing conditions, it’s important that you look for an inpatient plan that covers your illness.

3. Make note of the exclusions

Aside from pre-existing conditions, different policies will also have a list of illnesses and scenarios that will be excluded from coverage. Be sure to make note of the exclusions of each hospitalization plan you are comparing to find a plan that best addresses your needs.

4. Check the insurer’s reputation before buying

Lastly, you’ll want to check if the insurer has a reputation for slow claims processing or poor customer service. Choosing the best plan under the right insurer will ensure that you won’t run into other problems with your plan provider down the line.

Where can I learn more about health insurance in Singapore?

The health insurance landscape in Singapore is always evolving. As the country’s healthcare sector faces extremely high inflation rates, the health insurance industry has to adapt to changing customer behavior.

Read Pacific Prime’s State of Health Insurance in Singapore report to stay on top of the health insurance trends in the country.

Need help finding a hospitalization insurance plan?

Contact Pacific Prime for expert advice on finding the best hospitalization insurance plan in Singapore. With over two decades of experience delivering health insurance solutions to clients all over the world, Pacific Prime is well-equipped to help you locate the best plan that fits your budget and addresses your medical needs.

Get your free price comparison quote today to start a safer journey in the Lion City!

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