Does My Health Insurance Cover The Wuhan Coronavirus?

, | 31 Jan 2020

This article is a continuation of our coverage on the Wuhan Coronavirus. Many of our clients have expressed concerns if their current policies will cover them if they are hospitalised as a result of getting the virus. 

The World Health Organisation has officially declared that the coronavirus outbreak as a “global health emergency”. Following up on the announcement, numerous countries have advised against all non-essential travel to mainland China in an effort to stop the virus from spreading.

The number of people currently confirmed to have the virus has now surpassed the number of people that were infected with SARS. Death tolls rising above 200 (as of 31 Jan 2020 at 4pm) and the number of confirmed infected rising above 9,000 in China alone. 

The cases confirmed in Singapore have now risen to 13 . This increases people’s concern about how this affects their current health insurance policies. If you want to read more about how your travel insurance will be affected, you can read this.

Singapore’s Health Insurers Responds

There are 7 insurers that sell Integrated Shield plans in Singapore: NTUC Income, AIA, Great Eastern, Prudential, Aviva, Axa and Raffles Health. Learn more about Integrated Shield Plans here.

We have contacted AIA, AXA, NTUC Income and Aviva, regarding the Wuhan Coronavirus. As of now, our partners have stated that they will cover all hospitalisation claims in relation to the virus.

Our partners would also like to assure all their clients that they can claim medical expenses such as hospitalisation, outpatient expenses, etc, according to their policy coverage. 

What Does Your Hospitalisation Policy Cover?

  • Inpatient and Day Surgery

All 7 insurers will cover the cost of daily ward, treatment and surgery. Benefit Claims are “as charged”.

  • Pre and Post Hospitalisation Benefit 

The benefit varies from 90 days to 180 days before and after the period of hospitalisation. 

  • Outpatient Treatment and Major Organ Transplant

All 7 insurers cover the cost of outpatient treatment and major organ transplant.  Benefit Claims are “as charged”.

  • Critical illness Coverage

AIA covers up to $100,000 per year for 30 Critical Illness conditions. Aviva covers up to $150,000 per year for 5 Critical illness conditions.

  • Emergency Overseas Treatment

All 7 insurers will cover the cost of emergency medical treatment while you are traveling with a limit pegged to the hospitalisation cost of Singapore private hospital charges.

Cost of Treatment 

The insured will have to pay a portion of the hospitalisation bill. The insured will have to pay the deductible and co-insurance before the insurer covers the remainder of the hospital bill. 

Reduce Your Risk Of Coronavirus Infection

  • Clean hands with soap and water regularly
  • Disinfect your hands with alcohol-based hand sanitizer 
  • Wear a mask if you are unwell
  • Avoid close contact with anyone that shows signs of flu-like symptoms
  • Avoid contact with live wild or farm animals
  • If you show any symptoms such as fever, flu or breathing difficulties, seek immediate medical attention.

If you require assistance or would like advice on upgrading your Integrated Shield Plan, you can find out more here or reach out to us at +65 3163 9184 or [email protected].

Rennes Lee


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