There is a difference between medical plans meant for Singapore and international medical plans which cover other countries, e.g. Asia, and the world excluding USA and Canada.

Plans meant to cover hospitals in Singapore will cover any hospital and surgery done in another country for emergencies, but are limited to the equivalent cost as if it was in Singapore.

Depending on where the hospitalisation and surgery takes place, the Singapore plan may not provide sufficient coverage, especially if the overseas countries are USA or Canada.

If you are a Singaporean living abroad, or likely to be posted to countries with much higher medical costs, an international plan might be suitable.

If you are a foreigner in an ASEAN country and find Singapore a good place to come to for your medical needs, an international plan may also be suitable.

Plans that we distribute include:

• Aviva Ideal Medical for people in nine named countries

• Aviva IFS Global Health

• RSA Inter Global Healthcare

• NTUC Worldwide Medical Insurance

• AIG Global Health SG Plan