About this article:
- Read about Chen Xiu Huan’s daughter and her knee injury sustained while skiing, requiring urgent medical attention abroad.
- Learn how comprehensive health and travel insurance covered their medical costs, including a snow ambulance and hospital care in Switzerland.
- Understand the importance of a trusted insurance agent, and securing quick treatment and a smooth recovery back home in Singapore.
Table of Contents
A thrilling family ski vacation in Switzerland took a painful turn for Chen Xiu Huan and her family. What began as an adventurous day on the slopes ended abruptly when her daughter had an awkward fall, resulting in a torn ACL.
Though the incident could have been overwhelming for anyone far from home, Xiu Huan’s story illustrates the comforting role that comprehensive health and travel insurance and a trusted advisor can play in making complex medical situations manageable.
A Frightening Accident Abroad
We were, of course, very concerned. I ran through the snow, and it felt like ages before I could finally reach her!
Initial Treatment and the Return to Singapore
At the hospital in Switzerland, Xiu Huan’s daughter was fitted with a knee guard to stabilise her leg. Though initial care was handled locally, the family felt more comfortable continuing treatment back home in Singapore. Their travel insurance thankfully covered both the snow ambulance and hospital treatment, easing some of the stress of the situation.
Once they returned to Singapore, Xiu Huan reached out to her trusted insurance agent, who guided them to appropriate care facilities and reassured her of their coverage every step of the way.
We wanted her injury diagnosed as soon as possible, and my agent was instrumental in helping us get into a private hospital for faster care.
Back in Singapore, they didn’t have to wait weeks or months to see a doctor. With guidance from their insurance agent, they quickly found an orthopaedic specialist within their insurance panel, allowing Xiu Huan’s daughter to access a consultation and start treatment—a great relief for the family.
It was discovered that she had a torn ACL, and since she did not require immediate surgery, her specialist recommended a knee brace to stabilise her knee and prevent further injury. Once the exams were over, they were able to schedule the surgery at a convenient time, making the most of the flexibility provided by private healthcare.
The Role of Insurance in Securing Quick Treatment
Thanks to my agent, I knew we would be covered for hospitalisation, surgery, and even post-hospitalisation rehabilitation, so I had complete peace of mind!
Comprehensive Coverage for Recovery
After her daughter’s surgery, Xiu Huan focused on ensuring her daughter received high-quality physiotherapy to aid in recovery, which was also covered by their insurance plan. Knowing that this post-surgery care was financially supported, Xiu Huan could direct her energy toward helping her daughter heal.
Reflections on Health Insurance: Relationships and Responsiveness
Xiu Huan has witnessed firsthand the changes in Singapore’s health insurance landscape, especially in recent years, with adjustments to co-payments and coverage terms. “In the past, we were covered 100%,” she shared. “Now, there are co-payments and other changes.” But even with these adjustments, she emphasises the importance of having a reliable agent who can guide you through any confusion or claims challenges. Her advice? “Have a good relationship with your agent so that if you need any clarity, you can always ask them,” she urged. “When my daughter got hurt, I just called my agent, and she was there to guide us on what to keep and what to do so we could file claims without a hitch.”
Final Thoughts: “Find Someone You Can Trust”
Find someone you can trust with insurance.
Comprehensive coverage brings a level of security, but a knowledgeable and compassionate agent can make all the difference when navigating unforeseen medical needs.
Navigating Future Challenges with Peace of Mind
Key Insurance Types
Integrated Shield Plan: An Integrated Shield Plan covers inpatient treatment and hospitalisation costs.
Personal Accident Plan: A Personal Accident Plan covers accident-related expenses, including outpatient treatment.
Critical Illness Plan: A Critical Illness Plan provides a lump sum payout upon critical illness diagnosis, which can be used to cover non-insurable expenses like off-list drugs.
Know Your Coverage, Before You Need It
HealthInsured SG aims to help you understand the details of your health insurance policy. Being well-informed empowers you to focus on recovery, free from the added stress of financial burdens.
