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Expensive Hospital Bill in Singapore
Hi 
My name is Marcus and working as a Financial Consultant in Singapore, cuz recently some of my foreigner friends complain about the expensive hospital bill (one of them got dengue fever and hospitalized in government hospital for 5 days, the hospital bill is around 5000 SGD, but his monthly income is only 3000 SGD...so he borrowed from me...and havent return yet). because this is quite related to my profession, i recommend that people working in Singapore at least need to get a Health Insurance (only around 40 SGD per month for young working adult) and in this way the hospital bill can be 100% covered. The Healthcare system in Singapore is designed in such a way that the cost ISN'T very affordable without insurance. Hence, if anyone working in Singapore havent got a health insurance yet, can contact me for more details:) or any related questions can also feel free to ask me, i will provide free consultation:)
Marcus
96629834
My name is Marcus and working as a Financial Consultant in Singapore, cuz recently some of my foreigner friends complain about the expensive hospital bill (one of them got dengue fever and hospitalized in government hospital for 5 days, the hospital bill is around 5000 SGD, but his monthly income is only 3000 SGD...so he borrowed from me...and havent return yet). because this is quite related to my profession, i recommend that people working in Singapore at least need to get a Health Insurance (only around 40 SGD per month for young working adult) and in this way the hospital bill can be 100% covered. The Healthcare system in Singapore is designed in such a way that the cost ISN'T very affordable without insurance. Hence, if anyone working in Singapore havent got a health insurance yet, can contact me for more details:) or any related questions can also feel free to ask me, i will provide free consultation:)
Marcus
96629834
Comments
http://pinoysg.net/discussion/41/tipid-tips-in-singapore/p1
"2. Get a Health Insurance. Medical Insurance is a must in Singapore. if you are a professional and has a plan to work more than 2 yrs here. i would advise you get a personal insurance of your own. critical illness or emergency admission to hospital will burn all your hardwork in just a matter of days. insurance costs only 200 to 400 per year. yes! per year divide it to 12 months will cost you around $16 a month, compared to thousands of dollars you will spend when you get admitted in the hospital."
You cannot afford to sacrifice your health security. bec it's really true that Hospital Bill in SG is crazy expensive!
@MarcusYU - do you happen to be a local? or a fellow Filipino? I have a local friend whom I got my insurance as well, he's also with prudential!
Kaso applicable lang daw po sa SPASS at Work Permit Holder.
Enough na ba yung 15k?
**Sana naman maging malusog ako habang nandito.
Nagwowork ako sa isang local supplier as QS. Actually mag-isa lang ako na QS. Tapos 10 lang ata kami. XD
let me know po if you want to know more information about sa hospitalization and surgical plan na affordable para sa ating mga pinoy na nasa SG.
nagwowork po ako sa insurance company and i want to take this opportunity para makatulong. kasi marami pong nagkakasakit dito and ubos ang savings nila at kalimitan po kulang pa.
Eto po ang Key/Highlights Benefits ng AXA Shield compared to other insurance companies;
• Longest post-hospitalisation coverage - 365 days
• 180 days of pre-hospitalisation coverage
• Highest Annual coverage limit of S$1 million for Plan A and S$500k for Plan B
• Letter of Guarantee at up to $100,000 for hospitalisation in private
hospitals, if referred through our panel of specialists
**Letter of Guarantee po ay issued para po walang bayaran ang patient out of his pocket upon admission.
**Applicable po ang AXA Shield only for locals and Prs which is payable by Medisave.
_____________________________________________________________________________________
**For foreigners under employment pass meron din po kaming affordable plan.
Highlights po ng Medical Plan;
-may option po kayo if you prefer Private Hospital. Kasi sa Public Hospital super haba lagi ang pila lalo na kapg emergency!
-affordable lang po ang premium
-no deductibles and co-payment (eto po ung mga need bayaran bago magtake over ang plan)
-Cashless hospital admission
-Cash allowance habang nasa hospital
-Personal Card issuance for easy and fast admission!
To set appointment po please contact me at +65 92378464
NO OBLIGATION PO!, its a pleasure to share useful information para sa foreigners working dito sa SG.
Interested po ako sa comparison(head on) with other insurance companies. Sa palagay mo ba kailangan yung $1M coverage for health? for example, ang isa sa pinaka mahal na procedure dito ngayon ay yung heart operation, mga $100K++ yun. So sa isang taon ilang beses ka ooperahan? Sa susunod na taon reset ulit yun sa $1M. Masyado atang overkill naman yung annual coverage nyo na $1M kahit pa sabihin natin na di natin alam mangyayari.
Naka auto LOG po ba kayo ngayon or kailangan pa tawagan muna AXA?
How affordable po yung premium nyo? Kailangan namin yung numbers inde words.
Yung ibang beneffits nyo meron din po nyan sa ibang kompanya. Salamat.
again po para po to sa mga PR ang may 365 post hospitalization coverage which is payable ng Medisave.
So far po upon doing some policy reviews, nacompared namin ung premium from other companies and we are still considered cheaper and with better coverage. Especially yung 365 post coverage na kami pa lang ang meron. Yung 1 million na maximum limit po e covered nya ang pre and post hospitalization. covered nya not only the operation pati na ang recovery.
i have a local friend po na survivor ng breast cancer and she spent almost 300k during lang po yun nung nahospital xa and iba pa yung during recovery period nya. what more pa po sa mga PRs na for sure higher ang magagastos.
Para po sa under employment pass iba po ha...and tama po may mga company na nagbibigay ng group insurance sa mga employees nila but then mababa lang po ang coverage nun and most of the time need nyo muna magbayad out of your own pocket bago magtakeover ang plan o kaya namn need mo munang magabay then reimburse na lang sa inyo. Yung samin po meron kaming Card na issued sa policy holder and need lang ipresent sa hospitals for cash less admission.
Kaya po importanteng alam natin kung anong benefits meron tayo from our company and lagi nating isipin if enough ba or hindi in case of uncertain events.
Regarding po sa premium it depends as Age and prefer ninyong Plan depends po sa kung anong need ninyo.
According din po dun sa MOH websiite, pareho lang ang premium at coverage nung lokal at PR pero sabi nyo mas mahal sa PR. Nalito po ako dun. Alin po ba ang tama?
and sinabi ko pong cheaper not the cheapest. and take note po hindi ibig sabhin na sila ang CHEAPEST go tayo lagi kasi DAPAT PO MAS IREVIEW NATIN ANG BENEFITS.
For interested just contact na lang po ninyo ako to avoid more confusion. Salamat po.
Kagaya po nung sinabi nyo na mga charges na magkaiba, ano ano po yun?
Inde naman kami tumitingin sa CHEAPEST, iniintindi namin kung talaga bang sapat yung benefits or coverage or exagerated kasi baka nagaaksaya lang kami ng pera. Hirap kaya maghanap ng pera dito sa sg.
Madami nga interested pero bakit tatawagan ka pa? Dito na lang po tayo magusap para malinaw sa lahat. Go na yan Ate. Pag nakumbinse mo kami dito, kami na mismo tutulong sayo kumuha ng mga referrals. Oks ba?
representative po ako ng AIA. Medyo madami rin ang mga insurance policies dito sa SG that caters for Hospitalisation benefits.
Here is a link to those: https://www.moh.gov.sg/content/moh_web/medishield-life/integrated-shield-plans/comparison--of-integrated-shield-plans.html
-with their respective policy contracts (na dapat basahin maigi before buying. Policies does not cover Deductibles and Co-insurance. So it can be misleading to say na 100% ay ma-ccover sa hospital bills nyo.) The main differences between them are the class of Wards that you will be admitted to, and the LIMIT of claimable amount.
Premiums (cost of insurance) ay based sa age group
For free financial advice, can contact me at 85715493. No obligations. Salamat!