On Wednesday 25th of March, Singapore experienced the largest increase of coronavirus cases in a day: 73 new confirmed cases, which makes 631 total cases in Singapore this Thursday 26th of March. Around 80 percent of new COVID-19 cases were imported, most of them were Singapore residents and Long Term Pass holders returning home from abroad.
This article will inform you where you can get tested, the cost of testing, and how your insurance coverage can help you in this pandemic.


I have cough and a runny nose, where can I seek medical attention?



You can seek medical attention at all the 940 Public Health Preparedness Clinics (PHPCs) as well as polyclinics in Singapore.
You can find the one nearby on the map of Flu Go Where.

PHPCs provide subsidized treatment, investigations and medication for the COVID-19 outbreak. Subsidies will be provided for patients diagnosed with respiratory infections.


Where can I get myself tested?



But you won't be tested in those clinics! Your GP will just assess your conditions and if he finds Covid-19 suggestive symptoms he will refer you to one National Centre for Infectious Diseases (NCID) or the Accident and Emergency (A&E) department of the nearest public hospital for further review.

Testing for the disease is free.

How much is it going to cost me if I have Covid-19?



As a long-term pass-holder

The Government will continue to pay for the Covid-19 testing fees and hospital bill in full for Singapore residents as much as for long-term pass holders who are admitted to public hospitals for Covid-19.

As a short-term pass holder
Visitors holding short-term visit passes who seek treatment for Covid-19 in Singapore will have to pay for their treatment for Covid-19 from the 7 of March.

The Ministry had previously said that the Government will pay the hospital bills incurred by all Covid-19 patients in public hospitals in full. But this coverage does not apply to outpatient treatment at general practitioner clinics or polyclinics or treatment at private medical centers.


Moreover, from 23rd March 2020, all short-term visitors (from anywhere in the world) will not be allowed to enter or transit through Singapore.


HOW AM I COVERED UNDER AXA



For AXA Health Insurance Customers

In the event you need to seek treatment for COVID-19 you can claim medical expenses such as hospitalization and outpatient expenses, according to your policy coverage.
> Do refer to your health insurance policy for the full terms and conditions.



For AXA Travel Insurance customers

Subject to the terms and conditions of your policy, in view of the World Health Organization's (WHO) declaration of COVID-19 as a global pandemic on 11 March 2020, AXA coverages depend on certain dates.

If you have purchased your trip and travel insurance policy on or before the 11 of March 2020, you will be covered for claims arising from the COVID-19 outbreak for any destination worldwide*.

*dates to differ for Mainland China, South Korea, Iran and Italy


If you have purchased your trip and travel insurance policy on or before the 12 of March 2020, you will not be covered for claims arising from COVID-19.

Check this document for more information.

HOW AM I COVERED UNDER APRIL



April International covers coronavirus-related healthcare costs according to the terms and conditions of your policy. Pandemics are not considered as exclusions.

For example, if you have a deductible for hospitalization, a deductible will also be applied if you are admitted to the hospital and placed in isolation.

If you have no symptoms but wish to have a covid-19 screening as a preventive measure, the check-up will be reimbursed up to the maximum provided for in your policy.

You can access your general terms and conditions of insurance via your Online Portal.

Do you have any questions or would you like to get a medical opinion quickly?

APRIL International also provides you with a free teleconsulting service available 24/7 and in 12 languages on the Easy Claim application.

Want to know more? Everything is here.

To find out more about healthcare topics in Singapore you can check our articles. To understand how your health insurance plans cover the healthcare costs, you can approach UEX’s happiness team by email for more information and guidance – and the good news is that they are super nice!

With UEX, you can obtain a quote for both AXA and APRIL health insurance contracts customized to your needs and requirements – all in less than a minute!