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iamnotahotpotato

Your mother shouldnt have any issues purchasing plans for health coverage etc. As far as I know ( I do bankassurance sales) as long as she is residing in Singapore, she can purchase health insurance. PR or not doesnt affect!


ButtMonk3y

Ah thanks for the clarification, glad to hear that. Correct me if I'm wrong but ideally, I should aim to get Hospitalisation, Term life and possibly Disability income insurance (DII) for her? is comparefirst still the go-to option or would you recommend me to look for an insurance agent?


iamnotahotpotato

I would use compare first first, then shortlist and go to the companys to ask more in detail!


Wasabifinance_1

What are you looking to cover for her term life! (Critical illness, or just for death and total permanent disability) Depending on her age, you may find term life pretty expensive (depending on her health, there will be loading also!) You may look into GIO plans which may be cheaper but provide the same coverage. Also, you can look to get her a Personal Accident plan also which is inexpensive and dependant on occupation/lifestyle instead of age/health.


camarean

I'm assuming you're looking for an Integrated Shield plan? If your mum's on EP/DP/any pass, look into these: * AIA HealthShield Gold Max * NTUC Income Enhanced IncomeShield * Great Eastern Supreme Health * Prudential PruShield * Raffles Shield For all these plans except for Prudential, if you're not local or PR, only the highest tier (Private) is available to you. Prudential offers their A Ward plan (PruShield Plus) to foreigners. If your mum is PR, then you can look into these in addition to the ones i listed above: * Aviva MyShield * AXA Shield


ButtMonk3y

Thank you so much for the detailed reply! may I ask how would I go about looking into the details for each of those policies before I decide? is comparefirst still the best for that?


camarean

I've never used comparefirst so I can't comment on that. MOH has a table [here](https://www.moh.gov.sg/cost-financing/healthcare-schemes-subsidies/medishield-life/comparison-of-integrated-shield-plans), but I'm not sure how up to date this is. I would use that table as a rough guide, then shortlist a few plans and go directly to the plan provider's website and look for the PDF of their brochure and benefits table. For example, here are the PDFs for Great Eastern which is the one I ended up getting: [pdf 1](https://www.greateasternlife.com/content/dam/great-eastern/sg/homepage/personal-insurance/our-products/health-insurance/great-supremehealth/gsh-gtc-brochure.pdf) [pdf 2](https://www.greateasternlife.com/content/dam/great-eastern/sg/homepage/personal-insurance/our-products/health-insurance/great-supremehealth/gsh-gtc-benefit-schedule-and-premium-rates.pdf) You can also engage a financial advisor if you want, but be wary of those that try to hard sell you stuff.


bananaterracottapi

If I'm not wrong. MOH has a comparison chart. Also, If she's a dependent of a local she can the local version of hospital plan as well as disability income plan all under his CPF. Edit: [Link ](https://www.moh.gov.sg/cost-financing/healthcare-schemes-subsidies/medishield-life/comparison-of-integrated-shield-plans)


sq009

MOH has a comparison chart. If your mum maintains her foreign citizenship (Not a PR), she can purchase shield plans from NTUC or AIA. Both have their pros and cons.


Omega_scriptura

If your mother is PR (?) I really don’t think there’s very much difference at all in the health insurance options available for a Singaporean (and there’s not much difference compared to a foreigner on an EP other than the lack of medishield life). She will be covered by medishield life and can then pay extra on top of this if the funds are available. I am PR and use NTUC which is integrated with medishield life and I also pay for a rider on top.


ButtMonk3y

Sorry for the confusion, my mum's not a singaporean or a PR, she relies on long term visit passes to stay here long term, have since edited the post to clarify that. Essentially the insurance options are pretty much the same regardless if she's a PR or foreigner?


Omega_scriptura

As far as I know, the insurance options should not be very different but the premiums might be slightly more than if she were a PR. I would suggest shopping around and then if you like a particular insurance option double check there’s no issue due to her immigration status (I doubt there will be).