Medical and Health Insurance (MHI), is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalisation and surgery. MHI also ensures that you won't have to worry about the cost of seeking treatment during emergencies. In addition, MHI also provides you with an income stream while you undergo treatment.
 
Things I Should Know

Understand the terms used in MHI

MHI coverage & exclusions

MHI policy renewal

Making a claim
 
What Else Can I Do?

Read our FAQs on MHI

Download the booklet on MHI
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Insurance companies offer MHI policies either individually or in combination. When buying a policy, always:
 
Shop wisely before you buy. Compare the policies of different insurance companies before buying.
   
Be very careful and only choose the insurance that best suits you.
   
Determine if you can afford the premiums of the MHI cover you choose.Don't buy more than you can afford.
   
Take your time to discuss with an agent from an insurance company about the MHI policy you want to buy.
   
Get information on the agent and insurance company. Get a business card with the agent's name, company name, address and telephone number. This is important if you want to enquire, renew or
claim on a policy later.
   
Understand the terms and conditions of the policy as well as the scope of cover provided.
   
Read your policy contract carefully.
 
 
Your employer may already have taken out a group plan where either your employer pays the premiums or you pay the premiums on your own. You should get details on the terms of the policy as well as its coverage. Even if you do have a group plan, you should look into getting an individual plan, because not only can you customise it to meet your needs, but you also wouldn’t have to worry about losing insurance coverage if you change jobs.
 
 
Each policy offers different benefits, and different insurance companies offer different scopes of coverage. Some insurance companies also offer comprehensive policies which offer more coverage than just the basic insurance cover.
 
 
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Please contact an insurance company for more details on their products and services, or download our booklet on medical and health insurance.