Health in Singapore
The health system in Singapore is one of the most efficient in the world. However, if the expatriate does not have the visa “permanent resident”, then he will not enjoy the benefits of this system. It is then important to take, before departure or upon arrival in Singapore, an expatriate health insurance to prevent oneself from hospital expenses or medical consultations which are very expensive.
How does the Singaporean health system work?
Singapore's health system (Central Provident Fund) is quite recent. Singapore's social security system is set up and managed by the Central Provident Fund (CPF). Obligatory for each Singaporean, it opens rights to social benefits after individual capitalization. This fund is used primarily to finance the retirement of Singaporeans, but can also be used for hospitalization expenses. This scheme is open and mandatory for expatriates if and only if they have permanent resident status. Depending on the case, the posted employees retain their affiliation to French social security.
It has been gradually introduced by the government in 1984 with a system of three M's: Medifund, Medishield and Medisave.
• The Medisave entered to develop a national medical savings scheme which helps individuals and their families to set aside a portion of their income in an MSA account (Medical Save Account) to address the major costs hospitalization, surgery or outpatient care.
• The Medishield is a basic health insurance plan which is not mandatory and helps paying for hospital bills and major outpatient treatment costs such as dialysis and chemotherapy. It is often complementary to Medisave because it is subsidized at public hospitals and cover expenses that cannot be supported by the Medical Save Account.
• The Medifund is an endowment fund set up by the government to help Singaporeans in need.
For expatriates, there are little differences between private and public hospitals because they cannot benefit from the subsidy for public care. 80% of general services are performed in private practices. And hospital services, 80% are distributed in public hospitals.
Generally the price of a consultation with a general practitioner is affordable: from 15 to 60 € (16-100 GSP). Nevertheless, dental Singapore (1300€) and hospital care are expensive and can represent a significant part in an expatriate annual budget.
You can find details of the Dental Department of Health Singapore website.
Should we take health insurance in Singapore?
Taking Singapore health insurance is very highly advised if you decide to expatriate yourself in the country. As a resident expatriate, you will certainly be forced to subscribe to the country's social security system: the Central Provident Fund (CPF), but in all other cases, subscribing to a private insurance danger. Moreover, it is good to note that it is highly preferable to subscribe to a supplementary health insurance for expatriates in Singapore. The Singapore social security system is in fact incomplete and has some flaws. In order to protect ourselves against all risks, we recommend that you take out Singapore health insurance.
Health risks in Singapore
Singapore has the same sanitary standards as the European Union. Health risks are therefore severely limited. However, it is important to respect basic hygiene standards such as washing your hands as often as possible.
The atmospheric pollution
Pollution can worry future expatriates in Singapore. Yet it is nothing. Due to the maritime proximity of the island and the strong presence of greenery, the country is far from reaching peaks of pollution like its Chinese neighbor.
Disease transmitted by infected mosquitoes, dengue fever is like a big flu. No preventive medicine exists at the moment, so it is recommended to avoid the mosquitoes and to take care of Paracetamol in first necessity. Aspirin is to be banished completely so as not to aggravate the situation.
The Zika virus
Transmitted by mosquitoes but also by sexual means, the virus Zika is present in Singapore. It is therefore very important to prevent the risks of contamination as for the dengue mentioned above. The symptoms are usually the same: fever, headache, joint pain, rash, but in rare cases complications arise. A doctor should be consulted very quickly.
Subscribe to GoldExpat insurance for your expatriation in Singapore
To assist you in your expatriation in Singapore, Mondassur offers GoldExpat, the Singapore insurance ideal for expatriates in the Asian country. GoldExpat is:
Hospitalization at 100% of actual costs
Hospitalization must be reimbursed 100% of actual costs incurred, it is a real necessity for Singapore insurance. The costs of hospitalization in Singapore are high, so you must be 100% covered in the event of an accident.
Taking responsibility for civil liability
Being covered is one thing, but being covered for damage to others is another! Imagine you were causing material damage in Singapore. Your care will of course be taken care of. But if you do not have a civil liability in your Singapore insurance, then the costs to be paid to this third person will not be covered by your insurance and you risk getting into debt heavily!
Taking charge of repatriation
There are many cases or medical situations in which repatriation to the country of origin is mandatory or strongly recommended. Where the Singaporean social security system will never allow for repatriation, private health insurance will allow you to return to your country for treatment.
In all these situations and so many others, GoldExpat Singapore insurance covers you and guarantees you immediate coverage at a very reasonable price.
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