Your settings are supposed to be the correct one. I use the same settings and never got charged when roaming. In fact I used the exact same SingTel S$15.28 plan plus eight S$8 plan for roaming during my short trip to China in December 2025. I rejected two calls from a government agency and used eight to call back.
On the other hand I seldom travel. So my experiences may not be the same as those who travel often.
It could be due to dual SIM settings.
Starhub S$12 (S$6 with Passion Card offer) senior plan will be fine as it offers free roaming voice calls and SMS (both incoming and outgoing). The roaming data bundle are too little but you can use your eight Mobile line for that. eight also offer free roaming voice (incoming and outgoing), but no free outgoing roaming SMS.
The only drawback is that you lose the network redundancy since eight is also using Starhub network.
I would also go to Starhub Senior Plan in this case if I were qualified (not yet qualified 50+ years old now).
https://consumer.starhub.com/personal/store/mobile-plans
5G Senior
S$12 per month, S$6 per month Passion Card offer
No contract
When roaming overseas
Unlimited calls & SMS
(incoming & outgoing)
1GB global data
1GB SEA data
When in Singapore
150GB data, 500 mins & 500 SMS
Security
Security
Caller number display
ScamSafe