Health Insurance

Leading a healthy lifestyle ain't that easy...

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Aliya
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Health Insurance

Post by Aliya » 7th Jan, '10, 13:37

Just a wee reminder to all to ensure that you have health insurance or that your health insurance is up to date!

MrA had a wee heart scare and the one thing he wasnt insured for was his heart - due to good ol inconclusive NZ medical records - and while the trip to hospital (well done wonderful Changi Hospital) was very affordable, the resulting cardiologist and angiogram costs were not. Medisave came to the rescue but we still had to pay about $3k which did hurt. Luckly he didnt require any further treatment as the angiogram showed his heart as fine. Even one stent would have set us back a further $7k and two - three stents would have meant we were looking at about $20k.

So we were lucky. But a timely reminder on the health insurance front for us all.

He was quite shocked at the cost but I was determined the ensure that all was checked out. The loss of the first MrA was, of course, unfortunate. A second loss may have been construed by others as carelessness on my part.
"I really love you" she said. "Is that the champagne talking" he asked. "No" she laughed. "That's me talking to the champagne"

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canuck
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Re: Health Insurance

Post by canuck » 7th Jan, '10, 14:20

glad you didn't lose him

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Kooky
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Re: Health Insurance

Post by Kooky » 7th Jan, '10, 14:52

And make sure you get rubber soles fitted on any shoes with leather soles. :)

My broken wrist cost us about $30k, not including rehab.

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Aliya
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Re: Health Insurance

Post by Aliya » 7th Jan, '10, 15:31

It's the only way I'd lose him, he is quite easy to spot :). Fec, no way Kooky. OMG.
"I really love you" she said. "Is that the champagne talking" he asked. "No" she laughed. "That's me talking to the champagne"

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BoD
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Re: Health Insurance

Post by BoD » 7th Jan, '10, 16:26

One benefit of this job thing is that I am insured again
We are the TPF

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canuck
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Re: Health Insurance

Post by canuck » 7th Jan, '10, 16:27

so now you can get a hernia and take some time off work?

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Scrummy Mummy
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Re: Health Insurance

Post by Scrummy Mummy » 7th Jan, '10, 16:50

Yeah but my insurance wouldn't pay up for my hernia, so be careful!

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Spike
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Re: Health Insurance

Post by Spike » 7th Jan, '10, 16:55

The main problem with medial insurance is that it pays out for in-patient treatment only and not for out-patient treatment, as I found out to my considerable cost last year. I don't believe there are any policies that cover outpatient treatment and consultancy.
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baloo
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Re: Health Insurance

Post by baloo » 7th Jan, '10, 16:59

International plans, like BUPA and IHI do.

Expensive though.
So…if you wish to wish a wish, you may swish for fish with my Ish wish dish.

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canuck
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Re: Health Insurance

Post by canuck » 7th Jan, '10, 18:46

How much is bupa then?

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Fat Bob
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Re: Health Insurance

Post by Fat Bob » 7th Jan, '10, 19:24

Spike wrote:The main problem with medial insurance is that it pays out for in-patient treatment only and not for out-patient treatment, as I found out to my considerable cost last year. I don't believe there are any policies that cover outpatient treatment and consultancy.
This now start depending on definition. My health cover (NTUC Income Incomeshield Enhanced Policy) clearly states "includes surgery or day surgery". So that in itself should cover most things. It also covers various radio-, immuno- and chemotherapies for cancer, dialysis and drugs for long term conditions such as organ transplant.

And, in pre- and post-hospitalisation treatment, it covers specialist out-patient medical services and consultations, exams and investigations (up to 90 days before/after hospitalisation).

What sort of things wouldn't get covered under this? A hernia? Needed day surgery in a hospital? Surely covered?
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baloo
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Re: Health Insurance

Post by baloo » 7th Jan, '10, 19:46

canuck wrote:How much is bupa then?
Depends on your cover.
So…if you wish to wish a wish, you may swish for fish with my Ish wish dish.

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canuck
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Re: Health Insurance

Post by canuck » 7th Jan, '10, 21:03

well full, day surgery et al like

$1000/year? $5,000?

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baloo
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Re: Health Insurance

Post by baloo » 7th Jan, '10, 21:07

So…if you wish to wish a wish, you may swish for fish with my Ish wish dish.

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canuck
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Re: Health Insurance

Post by canuck » 7th Jan, '10, 21:12

i was hoping for a ballpark figure from someone in the know :P

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baloo
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Re: Health Insurance

Post by baloo » 7th Jan, '10, 21:17

I can tell you how much I am paying for 2 adults and 2 kids. One adult with a surcharge to cover a pre-existing condition, the other adult with an exclusion.

Would that help you ?

A fuck of a lot.
So…if you wish to wish a wish, you may swish for fish with my Ish wish dish.

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canuck
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Re: Health Insurance

Post by canuck » 7th Jan, '10, 21:35

:P maybe I have two kids? but yes that did help some, surcharges for pre-existing, interesting, thanks

not because I wonder about your pre-exisiting anything just food for thought

and hey I may get two kids *whistles* kidding

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Aliya
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Re: Health Insurance

Post by Aliya » 8th Jan, '10, 09:37

I tell ya that day surgery in Sing is expensive. The hosp costs for MrA's angiogram were about $3k and the cardiologists were $2.5. Not so bad you think. But that one extra thing like a stent would have doubled it. At this point given his heart has been given the all clear we are goign to pay a large premium for his insurance to get that covered.
"I really love you" she said. "Is that the champagne talking" he asked. "No" she laughed. "That's me talking to the champagne"

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Fat Bob
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Re: Health Insurance

Post by Fat Bob » 8th Jan, '10, 13:33

I'd be going back and asking why day surgery isn't covered already. Well, that's if he had a insurance policy to begin with. If not, own fault!
"Remember that you are an Englishman, and have consequently won first prize in the lottery of life" ...Cecil Rhodes.

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Re: Health Insurance

Post by Burbage » 8th Jan, '10, 13:57

Just shows you how much money you can save by dying.

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Satellite
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Re: Health Insurance

Post by Satellite » 8th Jan, '10, 13:59

Can singaporeans buy BUPA and IHI as mine doesn't cover outpatient or daysurgeries either. It doesnt cover preexistng conditoins too...even you wnat to pay a higher premimum for it to be covered.

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Aliya
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Re: Health Insurance

Post by Aliya » 8th Jan, '10, 14:44

He had insurance but it excluded his heart because he had a suspected heart attack in NZ. Now we know there is nothing wrong with it, we can go back to insurance company and say cover him but they will up the premium, we are fine with this.
"I really love you" she said. "Is that the champagne talking" he asked. "No" she laughed. "That's me talking to the champagne"

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Kooky
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Re: Health Insurance

Post by Kooky » 9th Jun, '10, 17:47

Oh you do surprise me, JW. 2 totally off the wall posts on an old thread, and then an advert. :lol:

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Re: Health Insurance

Post by Morrolan » 9th Jun, '10, 17:53

goddamn, no good spamming, slack-jawed, mono-brow troll.

"i myself" .... :roll: twit.
Last edited by Morrolan on 9th Jun, '10, 17:54, edited 1 time in total.

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Jedi
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Re: Health Insurance

Post by Jedi » 9th Jun, '10, 17:53

Spammers are getting ever so clever.

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