A guide to medical and maternity insurance

“I’ve known a lot of expats who ask these questions frequently. I know this will be a very useful information especially for those who just moved in Singapore and have no idea on these matters.”

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What are some examples of preexisting conditions? 

Hypertension, high cholesterol, asthma – basically anything you have had treatment for in the recent past. Most providers can now offer cover for those, but typically against a surcharge on the standard rates. It’s obviously best to secure coverage before anything happens and check the renewability and portability features of your plan to ensure continuation of coverage.

What other kinds of exclusions can appear in policies? 

There are always waiting periods before some benefits become available – maternity, for example. It’s therefore essential to purchase those well in advance. Some policies exclude dangerous or hazardous activities such as scuba diving.

More facts here: http://www.expatliving.sg/body_style/medical/A-guide-to-medical-and-maternity-insurance-2936.ece