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Chat with us on WhatsappPosted on Dec 01, 2014 by Alex Nellist
2014 was an eventful time in the insurance industry and as the end of the year is fast approaching, Pacific Prime has reviewed a number of the best medical insurance options of the year for the benefit of their clientele.
This particular review will focus on medical insurance plans administered by Bupa Global and insured by Raffles Health Insurance in Singapore.
With a traditional 3-level plan design, the Lifeline range of plans do not win the trophy for originality, however when it comes to insurance, the simple plans are usually the ones that work the best and also tend to be easier to understand. The 3 levels (Essential, Classic and Gold) provide coverage ranging from basic hospitalisation to full-inclusive in & out-patient benefits as well as maternity benefits.
The absence of dental or optical option on this plan is one of the reasons why a modular’ plan was launched. This plan was designed more recently and allows members to pick and choose modules independently so as to cover out-patient, medication, evacuation, repatriation, USA cover as well as dental, optical and wellness benefits. The plan also allows for different family members to select modules independently, so parents could for example, include dental benefits for their children but not necessarily for themselves.
A common feature of plan options is the full benefit for cancer care. This ensures that any medically-necessary treatments in relation to a patient’s cancer are paid in full on even the most basic plan option (and therefore most affordable). Furthermore, this extends to medication as well as out-patient benefits, even if those specific modules were not purchased by the member. Cancer coverage is included at the core of all their plans, a feature which stands out amongst other products available.
Combining the very high limits of coverage available, as well as some of the best benefits for maternity coverage (and shortest waiting periods), it certainly offers a thoroughly comprehensive range of benefits. In addition, wellness and optical benefits are also provided with the highest limits available amongst international private medical insurance benefits.
It is these features coupled with their hassle-free claims experience (via E-claims) and wide network of participating hospitals and clinics across the globe, that places Raffles Health Insurance plans to be at the front of the pack when it comes to comprehensive international medical insurance coverage options in Singapore.
