I got a friend from Europe, who was working here for a few years and she just bought a 1-year travel insurance from AIG singapore in December. But she left Singapore recently and is now based in Australia. Her 1-year travel insurance still got 9 months left. Can she still use that travel insurance to make claims, if she is not based here anymore and her work pass here is cancelled?
Of course it depends on the terms and conditions in her policy letter.
First of all, "travel insurance" (or travel medical insurance) doesn't actually cover one year stays anywhere. Hopefully she bought something else, typically called "international medical insurance" or something similar. If she bought that sort of product, chances are pretty good she still has coverage, but she probably has an obligation to notify the carrier of her change of residence. She'll also need to check the terms and conditions.
Even if her currency policy provides coverage, it may not be the best fit for her new country of residence.
Have 2 indonesian children (Male, 15 and Female, 13) under student pass, studying here for maybe 4 -7 more years. Any advice for insurance plan? Mainly looking for basic hospitalization plan, but open for any suggestion as well.
First, check with the school to see what group medical insurance coverage they include. Then decide whether that coverage is sufficient. (Often it's quite weak.)
That possibility aside, you can investigate a basic Integrated Shield hospitalization insurance plan that'll help pay for the potentially large medical bills associated with hospital admissions. The most basic Integrated Shield plan available is designed to cover care in public hospitals (not in private hospitals), in B1 ward. B1 rooms have 4 beds and are air conditioned. A lot of the carriers exclude foreigners from these plans, but NTUC Income might not. NTUC Income's Enhanced IncomeShield Basic plan, and with its optional "Classic Care" rider I would suggest. The total premium for this combination (base plan plus rider) for children under age 18 is S$259 per year per child.
The next step up is an Integrated Shield plan designed to cover public hospital A ward. A ward means a single bedded room (i.e. a private room), often with a sofa that a parent can use even overnight. Prudential's PRUshield Plus is available to foreigners, and it's among the best such plans. At their ages, the total premium for PRUshield Plus with the optional PRUExtra Plus CoPay rider is S$421 per year per child (citizen or PR dependent rate; a bit higher otherwise).
Please note that pre-existing conditions are excluded from Integrated Shield coverage.
If you discover that either of these plans is closed to foreigners, please post a follow-up. I'm trying to keep track of which plans are open to non-citizens/non-PRs.
i know all the above is considered an accident
thx 