Question 1

What is health insurance and why do I need it in Singapore?

Accepted Answer

Health insurance provides financial protection against medical expenses. In Singapore, while we have universal healthcare through MediShield Life, private health insurance (Integrated Shield Plans) offers enhanced coverage including access to private hospitals, higher coverage limits, and better ward classes.

Question 2

What's the difference between public and private health insurance in Singapore?

Accepted Answer

Public health insurance (MediShield Life) is mandatory and covers basic healthcare costs in public hospitals with subsidized rates. Private health insurance (IPs) enhances this coverage with access to private hospitals, higher coverage limits (up to $2M+), and better amenities.

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