Outpatient Insurance in Singapore covers the consultations in a medical facility that don’t require hospitalisation. These can be your visits to a General Practitioner (GP), Family Doctor or any specialist such as a Dermatologist or Cardiologist.
Some day-surgeries, however, fall under Inpatient category even though to overnight in a hospital room may not be required. As an example, the most typical case could be a Cataracts surgery, which can be performed early in the morning and you could have lunch at home right after.
Outpatient typically includes prescribed medicines, test and scanners, unless your plan does not include those. Unless stated otherwise, the cost of all necessary procedures and GST would be claimable under your Outpatient Insurance.
Nonetheless, Dentistry and Maternity are two specialisations that, by default, are not included in any Outpatient policy. These coverage must be purchased at an additional cost with higher premiums.
In the recent years, and due to the increasing demand, as well as the development of our society and wellbeing needs, Physiotherapy, Osteopathy and Traditional Chinese Medicine (TCM) have become part of the core cover with a large number of Outpatient insurance policies. If you think you require these in your cover, therefore, we encourage you to speak to your agent and make sure these are included in the policy you are about to purchase.
Outpatient Insurance Singapore
In Singapore there are numerous insurers and plans that cover Outpatient consultations. However, Outpatient as such, is not typically available as a stand-alone policy. Instead, you would be required to purchase a core Inpatient plan and add Outpatient coverage as an addition.
You may have Inpatient cover already, whether provided by your employer or purchased privately. In both cases, you may have a solution in order to add Outpatient protection onto your plan at an affordable premium.
Add Outpatient as a Top-up
If your Inpatient cover is provided by your employer, your options are, for instance; to include Outpatient through your Corporate policy if this is made available to employees. Your HR Department will be happy to assist you as full details and T&C are available to all employees upon request.
An alternative, if Outpatient is not available through your Company, would be what is known as a “top-up” or secondary plan. In many occasions, unfortunately, Group Medical policies offer very little annual limit or sub-limits. As a result, making you, upon a hospitalisation, having to pay a portion of your hospital bill. As an example: your corporate plan with $50,000 annual limit and sub-limit per hospitalisation of $8,000. You are hospitalised for an appendix surgery and its cost is $16,000. Even though you didn’t exceed the annual limit, you would have to pay $8,000 because your “per hospitalisation” limit is $8,000.
This is a very simple example without entering into details but, sadly, a very typical case happening nowadays to those who rely on their corporate plans only.
Talk to your agent to review your corporate cover. The solution is as simple as purchasing a policy with a high deductible. Which will trigger only after your Employee Benefits plan has reached its limits. Summing up, this solution is typically very affordable. As you take a deductible, your premium will reduce drastically to just a small portion of a full-cover plan.
With your top-up plan, you will be able to include Outpatient cover, not just for yourself, but also for all your family members insured under the same plan. On insurer by insurer basis, you are able to include Outpatient cover only to your children, for example, if you require it.
Addition of Outpatient onto your existing Inpatient plan
If your policy allows, the addition of Outpatient cover can be done upon each policy anniversary or renewal. A vast majority of health insurance policies are flexible enough to allow the addition of rider or modules upon renewal.
Each insurer’s configuration may be different. Some may have Outpatient as a rider, others, level their plans based on the cover offered by each. A simple example is named the policies Silver, Gold and Platinum. Whereas Silver is of inpatient-only cover; Gold of inpatient and outpatient and; Platinum then Inpatient, Outpatient and Dental.
By default, all upgrades, addition of riders, modules or all changes in general, are subject to underwriting.
Speak to your agent before commiting and explore the options available within your plan. Or, alternatively, speak to us now, receive and overview and comparison right in your inbox without commitment.
Best Outpatient Insurance Singapore
Options and alternatives for Outpatient medical insurance in Singapore are numerous; With only GP cover, including specialist, without specialist but with Pediatrician, with TCM, physiotherapy, including prescribed medicines, with direct billing, without a panel of clinics…
The best Outpatient Insurance in Singapore is the one that fulfils your needs best. Based on your situation, your age, your family members, whether you have children or not, your pre-existing conditions and your budget, you may have a preferred level of Outpatient coverage in mind and some priorities considered a must to be protected.
Would you like to know which is your best Outpatient Medical Insurance in Singapore? Get a comparison for your insurance needs and get to know, in detail what level of cover each insurer is able to provide with for yourself and your family.
Outpatient Insurance Coverage
Outpatient insurance plans in Singapore typically cover all visits to GP and/or Specialists, including consultation fee, prescribed medications, scans and laboratory tests, dressings and all the necessary to help your doctor diagnose and treat your medical condition, purpose of your visit.
Other policies our specialists can help you with:
