Health Insurance Tips Jamaica – With a population of 2.8 million in 2015, Jamaica ranks 141st in the world by population and 167th by total area. The official language of Jamaica is Standard Jamaican English, but the primary spoken language is Creole-based English. The currency is the Jamaican dollar.
Jamaica is ranked 53rd in the world for health according to the WHO. In 2014, the total cost of health for each person was $ 476, which is 5.4 percent of GDP. Jamaican men’s life expectancy at birth is 74 years, and women can expect to live 79 years. Jamaica has 0.41 doctors per 1000 people, compared to 2.56 doctors per 1000 people in the United States.
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Jamaica has more than 330 health centers, 24 public hospitals (spread over all 14 provinces), and the University Hospital of the West Indies, a regional teaching facility funded by Local Governments. Public facilities provide approximately 5,000 beds. The Ministry of Health, which is responsible for managing public institutions, has focused on primary care, modernizing 80 health centers. However, the lack of supplies and other resources in hospitals is a problem, causing delays in surgeries and other procedures. There are also 10 private hospitals that provide better care, but are too expensive for most of the population.
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Health care in Jamaica is free to all citizens and residents in government facilities, but long waits are a problem. Prescription drugs are also a covered benefit, but long waits and limited pharmacy availability also apply. Private insurance is available from many different companies for those who can afford it.
Travel, or international, health insurance provides comprehensive medical coverage when traveling outside one’s home country. Travel health insurance is different from travel insurance, as the latter can only provide emergency coverage but not full medical coverage.
Travelers should check with their health insurance provider, as they may already have an international health coverage option. If they don’t, they can buy travel health insurance from their home country or destination country. This article visits some general issues regarding health insurance plans. If you have a specific question or would like advice on your protection needs, please leave your details below, and we’ll get back to you as soon as possible.
Health insurance is an essential part of financial planning. Most Singaporeans are familiar with MediShield Life – a basic health insurance scheme for Singapore Citizens and Permanent Residents that covers hospital bills and outpatient treatment costs. But what about critical illness, disability or maternity? To help you make sense of things, here’s a quick guide to health insurance for every Singaporean and Permanent Resident.
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Don’t confuse life insurance with health insurance. Life insurance is primarily meant to help your loved ones when you die while health insurance covers a portion of your medical bill in the event of an injury or illness.
There are specific types of health insurance on the market, such as health insurance for people with diabetes, or health insurance policies for high-risk occupations, such as the military or competitive athletes.
These policies provide cash if you are diagnosed with a critical illness such as cancer. Most critical illnesses, be it cancer, stroke or heart attacks, are divided into early, intermediate and advanced stages.
Early-onset critical illness transplants are offered almost as soon as you are diagnosed. However, premiums for this type of policy may cost more than plans that only cover advanced stage critical illness.
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However, there is another alternative: multi-payer critical illness coverage. With this plan, you will get a lot of cash-ins in early, intermediate and severe stages of critical illnesses. This ensures that you are well cared for throughout your illness if your condition worsens.
Unlike typical critical illness plans, multi-pay critical illness policies can cover you for critical illnesses even after diagnosis and the first payment. They offer better financial security when you need to work and focus on recovery (if possible), or spend the rest of your time with your loved ones.
For example, if you are diagnosed with advanced stage cancer, critical illness coverage can pay as much as 10 years of your income depending on the amount of coverage purchased. This allows you to spend the rest of your time doing what you love rather than still working and worrying about your family.
Sexual critical illness plans like Criticare for Him and Criticare for Her specifically cater to the health care needs of men and women. Coverage is from diagnosis to recovery, not just for one stage of illness. The coverage includes surgical benefits like reconstructive surgery and supportive benefits like Outpatient Psychiatric Benefits, which are not covered in most critical illness policies.
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If your family has a medical history of serious diseases that are prevalent in one gender over the other, you may want to consider sex-specific coverage.
Because Critical for Him and Critical for Her policies cover a specific list of critical illnesses, their premium amounts can be as low as a dollar a day.
These policies cover your hospital and medical expenses. Every Singaporean Permanent Resident is covered under a basic version of this called MediShield Life regardless of age or health status. MediShield Life can be supplemented with a special insurance policy called Integrated Shield Plan (IP), which increases the amount of coverage.
. A severe disability is defined as the inability to perform at least three of six Activities of Daily Living (ADLs), which are:
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This type of policy provides a fixed payout and the amount does not depend on how much you were earning. It varies from policy to policy. And the payout continues for the rest of your life.
All Singaporeans and Permanent Residents aged 30 and above are covered under CareShield Life. CareShield Life offers a monthly payment in the event of severe disability, defined by the inability to perform at least three of six ADLs. The payout amount will increase from S$600 per month every year from 2020 until age 67 or when a successful claim is made, whichever is earlier. If you become seriously disabled after the age of 67, your payment amount will be linked to the year you turned 67.
, which is also considered a form of life insurance. In fact, TPD insurance is usually part of a life insurance plan, or even some endowment plans.
TPD insurance provides a one-off, one-time payment once you meet the criteria for permanent blocking. In general, TPD means that you can never work again (for example, blindness or loss of two legs). Check with your Financial Advisor for the exact definition of insurance.
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This means health insurance provided by your employer. This is usually provided as an employment benefit and continues as long as you are employed by the company.
However, you have no real control over the policy your employer chooses. Also, being between jobs or unemployed will prevent you from being covered by group insurance. In other words, when you retire, you won’t be covered at all.
Birth insurance or prenatal insurance is for expectant parents. The policy pays out in case of complications during pregnancy, as well as any illnesses that affect the new baby.
Typical examples of pregnancy complications include eclampsia and stillbirths while examples of conditions that affect the baby include congenital blindness, the absence of two or more limbs, or spina bifida.
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Maternity insurance can usually be purchased from week 13-36 of pregnancy. These insurance policies last from the time they are purchased until the birth of the child.
Remember that maternity insurance coverage is usually local and not international. For example, if the child is delivered in a hospital in a foreign country, the policy may not be covered.
Under normal circumstances, health insurance cannot cover you for pre-existing conditions such as diabetes, stroke, heart disease, etc. However, there are some types of policies just for people with these conditions.
For example, Cancer ReCover is the first plan in Singapore specifically designed to protect cancer survivors by covering recurrent or new primary cancers. This plan provides coverage in case of recurrence or new diagnosis of any Advanced Early Stage Cancer.
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For example, an insurance policy for diabetics may cover both diabetics and pre-diabetics. This will pay for conditions such as leg amputation, or blindness, due to diabetes.
These types of policies are only available to people who suffer from a specific condition (for example, you cannot purchase Cancer ReCover if you have not previously been diagnosed with cancer).
Under Shield, however, the limit increases significantly to cover the costs incurred. Note that you will have to pay for the deductible as well as the required co-payment. For a full list of withdrawal limits, see here.
There are also limits for outpatient treatments under basic Medishield Life. For example, if you have cancer, you will need to regularly return for additional treatments. Under basic Medishield Life, you are covered up to $3,000 per month for chemotherapy alone
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