Sometimes, an illness or injury suffered while travelling can follow you back to Singapore.
For instance, if you sprain your ankle while hiking in Chile or get hit by a nasty bout of food poisoning while exploring India, you might need to see a doctor upon your return to Singapore.
The good news is that the best travel insurance plans in Singapore are likely to offer coverage for doctors’ visits made back home after your trip.
What is more, HL Assurance is now offering cashless Post Journey Medical Outpatient claims should you need to see a doctor back in Singapore.
Instead of paying for your doctor’s visits in cash and then submitting a claim to HL Assurance, you can now visit a clinic for follow up treatment in Singapore without having to incur any costs or submit any claims. Seeking medical care after a trip has never been so convenient or stress-free.
Here’s how it works.
What to do before embarking on your trip
In order to qualify for the cashless facility, you first need to book a HL Assurance Travel Protect360 Single Trip travel insurance plan to cover you on your trip.
Next, download the IHP App from Google Play Store or Apple App Store.
Open the app and input the details in the email sent to you following the purchase of your travel insurance plan.
You will now be entitled to visit any of HL Assurance’s Integrated Health Plan’s panel clinics in Singapore within 3 days after your return to Singapore. Following your first visit, the cashless facility will be extended by 30 days.
Do note that if you do not visit a panel clinic within 3 days of your return to Singapore, you will not be eligible for the cashless facility. You should thus plan for your doctor’s visit ahead of time, making an appointment if necessary.
Claims process
The great thing about this scheme is that all transactions with the panel clinics will be cashless and your bill will be settled without your having to make a claim. That means you do not need to worry about first having to pay for treatment or seeking reimbursement from HL Assurance.
Simply provide the clinic with your details and flash your e-card at affiliated clinics to make a cashless Post-Journey Medical Outpatient claim. You will then be eligible to receive treatment without having to pay anything out of pocket.
You are entitled to claim up to $100 per visit through the cashless facility. If the cost of your visit exceeds $100, you will need to pay the balance to the clinic. You can then make a travel insurance claim subject to approval. Do not forget to attach the medical receipt and travel documents in the claim form before submitting it to HL Assurance.
With travel insurance from HL Assurance, you are protected not only on your trip but also when you return to Singapore. Check out our website to compare travel insurance plans and learn about our latest travel insurance promotions.
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