9 Questions You Should Ask Your Health Insurance Broker

Choosing the right health insurance is one of the most important decisions you’ll make as an expat. Brokers can help navigate the complexity, but only if you ask the right questions.

Here are nine key questions to bring up before committing to a plan:

1. What Does the Plan Actually Cover?

Ask for a clear breakdown of inpatient, outpatient, dental, maternity, and chronic condition coverage. Don’t rely on assumptions—understand exactly what’s included.

2. What Are the Exclusions and Limitations?

Every plan has exclusions, such as pre-existing conditions, alternative medicine, or certain types of surgery. Clarify these in advance to avoid surprises.

3. How Are Premiums Calculated and Adjusted?

Find out if premiums rise with age, medical inflation, or personal claims history. Some insurers apply community rating, while others base pricing on individual claims.

4. Can I Choose My Doctors and Hospitals?

Check whether you have full freedom of provider choice or if you are limited to a network. Ask about direct billing arrangements for major hospitals in Singapore and abroad.

5. What Happens if I Relocate?

As an expat, mobility matters. Confirm whether your plan is portable if you move to another country, or if you’ll need a new policy.

6. Are Emergency Evacuation and Repatriation Included?

In Asia, access to high-quality care sometimes requires medical evacuation. Ensure your plan covers emergency transport and related costs.

7. How Easy Is the Claims Process?

Request details on how claims are submitted, processing timelines, and whether a digital claims app is available. A smooth reimbursement system saves both time and stress.

8. What Options Exist to Manage Costs?

Discuss deductible levels, co-payments, and geographic coverage zones. A broker should help tailor these to balance cost and protection.

9. Which Insurers Do You Represent?

Some brokers are tied to a limited number of insurers. Ask if they are independent and can compare multiple providers like April International, Cigna, or Allianz.

Asking the right questions helps you choose a plan that fits your needs today—and adapts to your lifestyle tomorrow. A good broker won’t just sell you a policy; they’ll guide you through options, explain trade-offs, and ensure your coverage remains relevant wherever life takes you.