Your Guide To Buying Health Insurance For Singapore Kids
Young Parents Singapore|March - April 2019

While Singaporean kids are covered by Medishield Life, some parents prefer to buy a private health plan, too. SASHA GONZALES finds out the questions you must ask to get the best coverage for your little ones.

Sasha Gonzales
Your Guide To Buying Health Insurance For Singapore Kids

Hayley Pereira’s son, Conor, underwent surgery to remove his oversized tonsils and adenoids recently.

The tissues were affecting the way fluid drained from his ears and as a result, he suffered from sleep apnoea and had difficulty hearing.

The cost of the surgery in October last year came up to $18,000. Thanks to the insurance policy they had taken out for their now-19- month-old boy, as well as their Medishield rider, Hayley and her husband did not have to pay a cent.

“Good thing we had the insurance and rider or we would’ve had to fork out that five-figure sum,” says Hayley, who also has a four-year-old daughter.

“We have an investment-linked plan and spend about $250 a month on insurance premiums for our kids. The policy covers critical illnesses, hospitalisation and death, but not congenital illnesses,” she says.

“Children are more likely to fall sick and get into accidents, so it made sense to purchase insurance to cover them in case something happened and their medical bills turned out to be exorbitant.

“My husband and I purchased the Medishield rider before the Government changed the rules, so that we wouldn’t have to worry about paying a down-payment when choosing a private hospital.”

Isn’t Medishield Life enough?

You may wonder: Why would you need additional insurance when the Government gives Medishield Life coverage to every baby who is a Singaporean or permanent resident?

This scheme provides reimbursements for hospitalisation expenses incurred within certain limits, such as up to certain hospital and ward types. There are also on the surgical procedures undertaken. You can also use Medisave to pay for your kid’s medical bills.

Diese Geschichte stammt aus der March - April 2019-Ausgabe von Young Parents Singapore.

Starten Sie Ihre 7-tägige kostenlose Testversion von Magzter GOLD, um auf Tausende kuratierte Premium-Storys sowie über 8.000 Zeitschriften und Zeitungen zuzugreifen.

Diese Geschichte stammt aus der March - April 2019-Ausgabe von Young Parents Singapore.

Starten Sie Ihre 7-tägige kostenlose Testversion von Magzter GOLD, um auf Tausende kuratierte Premium-Storys sowie über 8.000 Zeitschriften und Zeitungen zuzugreifen.

WEITERE ARTIKEL AUS YOUNG PARENTS SINGAPOREAlle anzeigen
Everything You Need To Know About Direct School Admission
Young Parents Singapore

Everything You Need To Know About Direct School Admission

If your kid is good at sports, music or has other talents, the DSA programme may be his key to getting into an elite secondary school or specialised school. Here’s what you should know about the process.

time-read
6 Minuten  |
March - April 2019
What Is The Right CCA For Your Primary School Kid?
Young Parents Singapore

What Is The Right CCA For Your Primary School Kid?

Co-curricular activities (CCAs) aren’t just frivolous frills. They teach kids important life skills that can’t be found in a classroom lesson. EVELINE GAN finds out how to select the right one for your child.

time-read
4 Minuten  |
January 2019
Why You Shouldn't Let PSLE Stress Take Over Your Kid's Life
Young Parents Singapore

Why You Shouldn't Let PSLE Stress Take Over Your Kid's Life

PSLE preparations start in Primary 5, which means a high-pressure two years for your family. Here's how to support your child so they can do their best.

time-read
4 Minuten  |
January 2019
Should Your Kid Skip A Vaccine Shot?
Young Parents Singapore

Should Your Kid Skip A Vaccine Shot?

Vaccinations are a rite of passage for every Singaporean child, but what if your kid is sick before an appointment, or misses a booster dose? Find out the answers to these and other pressing questions.

time-read
4 Minuten  |
January 2019
Separation Anxiety, Bullies And Other Preschool Blues
Young Parents Singapore

Separation Anxiety, Bullies And Other Preschool Blues

Preschool is rarely a smooth journey for children. Sasha Gonzales asks the experts how to handle the most common dilemmas, from separation anxiety to having trouble making new friends.

time-read
8 Minuten  |
January 2019
Is Your Kid Stressed About Starting School This Year?
Young Parents Singapore

Is Your Kid Stressed About Starting School This Year?

School kids in Singapore are more stressed than their peers overseas. If your kid is feeling the pressure, here’s how to find what's triggering his anxiety – and how to help.

time-read
5 Minuten  |
January 2019
Speech Problems In Singapore Kids: When Should You Worry?
Young Parents Singapore

Speech Problems In Singapore Kids: When Should You Worry?

How can you help your little one get over his stuttering? Should you worry that your tot doesn’t speak as well or isn’t as talkative as his cousin? Sasha Gonzales polls the experts on the pressing speech and language issues in toddlers and preschoolers here.

time-read
8 Minuten  |
March - April 2019
The Most Common Learning Difficulties In Singapore Kids
Young Parents Singapore

The Most Common Learning Difficulties In Singapore Kids

Struggling to read, write or count is a common problem for many children, but how do you know when that struggle is actually a learning difficulty or disability? Sasha Gonzales asked three experts to tell us what signs to look out for and when to know to get help.

time-read
9 Minuten  |
March - April 2019
Can You Really Un-Spoil Your Child?
Young Parents Singapore

Can You Really Un-Spoil Your Child?

Yes, there are ways to turn things around – without losing your temper. Here, the experts share strategies you can use in common bratty situations.

time-read
8 Minuten  |
March - April 2019
Bottoms Up!
Young Parents Singapore

Bottoms Up!

Using cloth nappies helps save the Earth – and your wallet, too, say these mums who choose not to put their babies in disposable diapers.

time-read
5 Minuten  |
October 2017