Health Insurance

The plan cards are enquiry options. Final eligibility, premium, underwriting, availability and policy terms are determined by the insurer and the applicable policy documents.

Health insurance portability may be available subject to applicable rules and the insurer’s process. The timing, continuity credits and underwriting requirements depend on the case and policy terms.

Employer cover can be useful, but it may change with employment and may have limits. A personal policy can provide an additional layer of protection. Review the employer policy, exclusions, waiting periods, room limits and family coverage before deciding.

A super top-up is designed to add protection above a deductible or existing cover. The exact trigger, deductible structure and eligible expenses depend on the product wording.

A waiting period is a period during which specified conditions or treatments are not covered, subject to the policy wording. Different waiting periods can apply to initial claims, pre-existing diseases, maternity and specified illnesses.

Compare sum insured, room limits, waiting periods, exclusions, co-pay, restoration/recharge rules, network hospitals, claim process, renewal terms and optional benefits. Read the brochure and policy wording before purchase.