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Covid-19 Panu kung Confirmed Case ka? tutulungan ka ba ng Government or ng Embassy?
Dahil sa dumadami na ang case ng Covid-19 dito sa singapore. as an OFW worker, panu kung one day you got infected by this said virus (wag naman sana but thinking of the worst)
you got quarantined in NCID. kanino ka dapat makipag ugnayan ? will the Philippine Embassy assist you financially? will the Government of Singapore help you? what options can an OFW do?
Isa lang ang alam ko as of now from Philippine Embassy but im not sure if they will assist you financially or you will just be a statistic. please help if there are articles about them saying The embassy will assist.
http://www.philippine-embassy.org.sg/wp-content/uploads/AD2020-29.pdf
ung may alam pang sources. please post lang po dito . thanks!~
Comments
Kaya po mas maganda kung may insurance kayo dito, sa AIA po kahit anong policy meron ka, secured ka. same with other insurances.
sagot ng government ng SG pagamot, kaya nga maraming turista nagpupunta dito kahit may sakit na. 1st link below. pero hinigpitan na dahil nkakaubos ng resources >>> Singapore residents and long-term pass holders - such as those on work, student's and dependant's passes >>ito na lang libre.
Tapos hinigpitan ulit,link 2, ung mga naka-svp di na iaaccept magpacheck up >>> MOH advises doctors in Singapore to stop or defer accepting non-resident foreign patients
https://www.straitstimes.com/singapore/tourists-short-term-visitors-have-to-pay-for-treatment
https://www.straitstimes.com/singapore/coronavirus-moh-advises-doctors-in-singapore-to-stop-or-defer-accepting-non-resident
Ung sa AIA ba may limit yung babayaran nila or lahat mismo ng ginastos sa hospitalization during the covid?
just to clarify po . yung mga S-Pass holders po ba sagot parin ng government?
Yung term ba na "singapore resident" is for people who live in singapore? and not limited to Singapore Locals and Permanent residents?
Salamat po!
@blood618 In general po, wala ng insurance company sa SG ngayon ang pwedeng mag offer ng 100% coverage. May co-payment na palagi. Yung mga dating policy holders na kumuha pa dati ang may 100%.
@blood618 work passes > included dito spass. ung sa aia daily allowance lang coverage.
naisip ko din to nung nag-uumpisa pa lang ang itong covid. hanap ako ng hanap pero wala rin akong makita kung 100% coverage ba ang mga naka pass.
by the way merong inooffer na 30 days coverage ang DBS for all account holders (regardless of account), i take-advantage nyo na rin to, hanapin nyo sa website ng DBS pano magregister. kahit 30 days lang, coverage pa rin yan.
@AhKuan ung policy ko sa AIA hindi 100% coverage pero pwede ka magpurchase ng add-on (rider) para maging 100% coverage (10% co-pay). kaya lang yong mismong rider, mas mahal pa kaysa sa plan hahaha.
Eto po un sa DBS, last day of sign up sa 31 Mar 2020:
https://www.dbs.com.sg/personal/insurance/protection/protection-plans/covid-19-hospital-cash?pid=sg-dbs-pweb-insurehome-featured-cardtile-protection-COVID19-Hospital-Cash
max 95% na lang pag co-pay pag may rider. kahit anong provider. korek mas mahal pa rider haha. wala naung 100% kasi sinasamantala ng iba noon.
Hindi ako nag apply dito sa DBS kasi nakita ko under eligibility.
All insured persons under this policy must be Singapore Residents.
Included ba tayo kahit foreigners?
@fibz07
refer to the FAQ, same page sa link na nilagay ni @iamannedoi (thanks sa link by the way):
Singapore Resident means Singapore citizen, Singapore permanent resident, or ** holder of a valid work permit, employment pass, long-term visit pass, dependant's pass, S Pass or student pass ** issued by the authorities in Singapore.
@ladytm02 thank you. Apply na ako.
Salamat opo sa lahat ng nag reply!. sana po nakatulong din to sa ibang tao na nag hahanap ng sagot sa tanong na to.
@ladytm02 Kailan mo po kinuha yung policy mo? Kung 3 years ago pa then eligible pa yung rider mo to cover yung buong hospital bill. Kung last year ka lang kumuha, inde na po 100%.
ang AIA ko personal accidental lang tsaka Vitality ^^, ilang years narin yun. pero di ko alam kung may 100% coverage ako .
Nag check ako sa website ng AIA parang mostly yung covered nila yung 1000 SGD na hospitalization lang at yung 25,000 if you passed away because of the virus.
Sauce:
https://www.aia.com.sg/en/campaigns-promotions/covid19-special-coverage.html
May isa pa pala silang link of summary of Coverage sa AIA.
Sauce.
https://www.aia.com.sg/content/dam/sg/en/docs/covid-19/aia-covid-19-policy-coverage-summary.pdf
@AhKuan last year lang.
yong rider is 100% coverage (meaning icocover nya ung 10% na co-pay ng base plan) ung inexplain sakin ng agent. yan din nakalagay sa policy.. oo binasa ko, haha, kelangan eh.
bale, sa base plan kasi,
1st $3,500 ng hospital bill = not covered (self-pay, pero covered naman to ng company group insurance..)
$3,500 and onwards = 90% covered ng base plan, 10% co-pay
if magpurchase ng rider, na take note ay mas mahal pa ang premium kaysa sa base plan (lol),
1st $3,500 = covered ng rider
$3,500 and onwards = 90% covered ng base plan, 10% covered ng rider
Note na itong plan na to is for foreigners. I remember this tlga kasi paulit-ulit kong tinanong to sa agent, di ko kasi maintindihan nung una kasi walang ganyan sa pinas, haha. naaalala ko sabi nya: kung ang bill mo is $10,000, ang co-pay (without the rider) is $3,500 + 10%* ($10,000 - $3,500) = $4,150. pero pano kung ang bill mo ay $100,000? $3,500 + 10%*($100,000 - $3,500) = $13,150
pag may rider $0 bill daw. hehe.
yan. ganyan ako nabentahan. hahahaha
@ladytm02
magkano daw yung may rider sayo ? sa AIA ba ito? at sorry di ko alam kung anu ba yung rider. naiisip ko yung grab xD
Eto yung breakdown ng Hospitalization dito sa singapore per day. ang ward class mo will most likely be A as 1 bed. dahil quarantined ka : $1,372 - $2,788 per day.
https://blog.seedly.sg/the-true-cost-of-healthcare-in-singapore-that-every-singaporean-should-be-aware-of/
Pero to clarify sagot sya ng government diba? they only defer those foreigners that are non-resident and visitors?
Singapore Resident refers to any Singapore citizen, Singapore Permanent Resident or valid pass holder who is currently residing in Singapore. A valid pass holder includes a holder of an Employment Pass, Work Permit, S Pass, Dependant Pass, Student Pass or Long Term Visit Pass. For clarity, a holder of a Social Visit Pass is not considered a valid pass holder.
@ladytm02 Nasabihan ka ba ng ahente mo tungkol sa clause sa baba?. Yung effectivity nung may co-payment ay March 2018 pa. Yung nakuha mo hanggang next year na lang ang 100%. After that may co-payment na.
Full riders are still available for sale. If I buy the full riders now, will I be allowed to keep the rider policy?
As insurers will need time to work out their new plans that meet the requirements, we have given them until 1 April2019to do so.In the meantime, insurers can continue selling their existing rider plans, but must inform their new policyholders that they will transit them to the new riders with co-payment from 1 April2021.
Policyholders can also switch to the new riders earlier if they wish to, as the new riders are likely to have lower premiums. Any pre-existing conditions that are covered prior to the switch will not be excluded.
@AhKuan ganyan din po intindi ko na mawawala na yung 100% coverage dahil sa abuse na ginawa nung iba na kahit hindi kailangan ng hospitalization, nagpapa-confine since libre naman lahat
@ladytm02 check mo sa agent mo. kung hindi nya talaga na-mention sayo, awayin mo... kidding aside, mas ok na alam mo para just in case na kailanganin mo
@kabo @AhKuan hindi nya diniscuss sakin ung entire contract. nagself-reading ako. i will double check kung may ganyan na nakalagay. kasi kinuha ko sya 2Q 2019 na so kung di na effective, dapat totally omitted na sya sa contract. Thank you
@blood618 depende sa age yata un. di ko kabisa breakdown ng main plan & rider, have to check my plans again ^_^
@iamannedoi salamat s Link sir, ang sign up n din ako.
@kabo @AhKuan @ladytm02 @blood618
mga sir, maari po b keo magbigay ng quick guide for insurance? Wala po ko insurance dito bukod s company insurance.
Ano po ung ibig sabihin ng riders. Isipin nyo n lng po nagpapaliwanag keo s isang tao n 0% knowledge pagdating s insurance policy dito s Singapore. Salamat po...
@kabo Wala na talagang 100% coverage ngayon kasi inaabuso ng iba yung policy nila. Magrerequest pa ng admission yung iba kahit inde na kailangan para lang wala silang babayaran. May minimum 1 night stay kasi para ma covered nung hospitalization plan.
@zhypher33 para sakin ang pinaka kailangan ng lahat lalo na dito sa SG ay yung hospitalization plan. Sobrang mahal ma hospital dito. Yung sa company basic coverage lang ang masasakop at may limit pa. Usually 80% sagot ng company insurance at 20% sagot ng employee.
Yung rider po ang pang top up mo doon sa main insurance mo kasi inde po 100% yung coverage. Example po, kapag $10,000 yung bill mo, 90% or $9,000 babayaran nung insurance company at yung 10% or $1,000 babayaran mo kapag wala ka pong rider. Dati po bumibili ng riders para ma cover yung 100% nung insurance companies.
@zhypher33
Wala din ako ganung alam sa insurance pero nag search ako about dun sa Rider.
https://blog.moneysmart.sg/health-insurance/exactly-insurance-riders-bother-getting-one/
yung rider para syang top up sa insurance. alam ko lang NTUC ung may ganun pero di ko lang sure.
Share ko lang yung alam ko :
Madaming type ng Insurance. to give you a run down eto
https://www.fool.com/investing/what-types-of-insurance-do-you-need.aspx
Usually ang insurance na pinag uusapan ngayun dito sa covid-19 yung "life insurance" at "health insurance".
Popular yung NTUC, AIA, at Prudential sa mga insurance na ganyan. madami kasing companies nag nag ooffer ng insurance dito sa SG.
Different companies may have different naming terms para sa insurance nila at sa coverage nila. di din ako expert dito.pero ang nasakin ngayun is "Personal Accidental Insurance" lang ng AIA at AIA Vitality.
May mga agent naman ng different companies ang nag explain nito. pero kahit anung pasikot sikot nila. usually nag kakatalo lang sila sa perks na binibigay nila. (dont quote me on this xD eto lang yung personal opinion ko)
@AhKuan Salamat sir, Nagbasa basa din aq. Depende s insurer kung ilang percent ang covered nila at wala ngang 100%. Paano po ung Rider, bibilhin mo din s insurance provider? Paano po ung mga outpatient at may pre-existing conditions tulad ko. Meron po kasi akong pre existing condition "Psoriasis" skin disease po sya tulad ng Eczema, Skin Asthma mga magkakamaganak po yan.
eto po b ung mga pinaka magandang health insurance? "Prudential, NTUC Income, AXA, AIA, Great Eastern and Aviva"
In average magkano po ang cost ng isang insurance? @blood618
@AhKuan
ang Riders ba nasa lahat ng Insurance dito sa SG or sa isang company lang?
@zhypher33
Yung cost ng insurance depende sa company na bibilhan mo ng service. sakin usually ang inooffer yung savings plan. would suggest to check yung mga health insurance, personal accidental insurance at yung mga insurance with hospitalization coverage.
sa AIA Meron din kasi yung mga Critical illness na tinatawg. pero pag may pre-existing conditions ka alam ko may changes sa price (sa corporate parang mas mahal) but ask for it muna w/o declaring a pre-existing condition pag nalaman mo na price tanong mo panu kung may pre-existing condition na "ganito or ganyan" then discuss kung may mga special options sila for a plan na much better pricing for budget reasons.
usually pag ganun binibigyan ako ng special rate.
or pag di ko gusto yung rate minsan mag tatanong ako sa ibang agent sa ibang area. then i would know my answer.
@blood618 Lahat po ng insurance may rider na binibenta.
ahh... haha i didn't know ung sakin binili ko lang tapos aun.. XD
salamat
I think i need to check my agent about this.