{"id":19039,"date":"2024-11-21T05:49:15","date_gmt":"2024-11-20T21:49:15","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=19039"},"modified":"2024-11-21T05:49:15","modified_gmt":"2024-11-20T21:49:15","slug":"exclusions-insurance-for-singapore","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/exclusions-insurance-for-singapore.html","title":{"rendered":"Exclusions in Insurance for Singapore"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Exclusions in insurance refers to events, situations, and causes that would prevent a policy from covering you. Individuals in Singapore picking an insurance plan will want to understand their private health insurance plan exclusions so they don\u2019t risk paying any unexpected medical expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you know what are the common exclusions in the world of insurance? Do you know how you can mitigate the risk of paying excluded services out of pocket?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This <\/span><a href=\"http:\/\/www.pacificprime.com\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> article walks you through the most typical exclusions that apply to private <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/\"><span style=\"font-weight: 400;\">health insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> so that you are aware of the insurance coverage when searching for the right plan for your needs among insurers in Singapore.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Are Exclusions?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19041 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/singapore-city-skyline-with-buildings-under-a-clear-blue-sky.webp\" alt=\"Image of Singapore City Skyline With Buildings Under A Clear Blue Sky with text overlay of &quot;What Are Exclusions?&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/singapore-city-skyline-with-buildings-under-a-clear-blue-sky.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/singapore-city-skyline-with-buildings-under-a-clear-blue-sky-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/singapore-city-skyline-with-buildings-under-a-clear-blue-sky-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/singapore-city-skyline-with-buildings-under-a-clear-blue-sky-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/singapore-city-skyline-with-buildings-under-a-clear-blue-sky-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Exclusions in health insurance refer to conditions, situations, or events outside coverage under a policy. Medical expenses associated with excluded treatments are not eligible for reimbursement nor are they subjected to direct billing. One must pay out-of-pocket to settle the medical bill.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is worth noting that every health insurance policy has exclusions, and they vary among insurers. Therefore, you are advised to compare policies in the market and check the fine print before settling on a desired health insurance plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some items that are most typically excluded from coverage in health insurance policies. Some of the exclusions can be covered depending on the decision of the insurer, but usually under stated conditions.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-41' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Singapore_1.jpg\" alt=\"Blog Banner singapore 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Exclusions: Pre-existing \/ Chronic Medical Conditions<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Some insurance plans also exclude chronic conditions, referring to medical conditions that require long-term monitoring, are likely to recur, or have no known cure. Some examples are asthma, arthritis, and diabetes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A pre-existing condition is an injury or illness that you currently have or previously had before enrolling in your health insurance policy. Common examples include heart disease, cancer, and AIDS.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You will be asked to declare any pre-existing medical conditions. It is important to be transparent and truthful with your medical history as failure to do so is regarded as non-disclosure which could invalidate your insurance coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The outcomes of an underwriting assessment with pre-existing conditions could be as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage on a Moratorium Basis:<\/b><span style=\"font-weight: 400;\"> This means your pre-existing condition can be covered, but only once you\u2019ve been free from medication, treatment, diagnostic tests, or advice for the condition for two continuous years after your coverage started.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage at a Higher Premium: <\/b><span style=\"font-weight: 400;\">This allows your <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">pre-existing condition to be covered at the cost of a high premium<\/span><\/a><span style=\"font-weight: 400;\">, as the insurer will need to factor in the risk of your pre-existing condition.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Coverage: <\/b><span style=\"font-weight: 400;\">Your pre-existing conditions might simply be excluded from coverage.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Exclusions: Ancillary Hospital Charges<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ancillary hospital charges are charges from a hospital that are not considered medically necessary. You might be subjected to paying out-of-pocket for miscellaneous charges such as guest meals, telephone calls, extra pillows, and the use of TV.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In-patient benefits of a health insurance plan usually address the most core aspects of hospital charges such as surgery, ambulance, room and board fees, lab tests, and anesthetist charges. These are considered medically necessary charges during your stay at the hospital.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-42' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Singapore_2.jpg\" alt=\"Blog Banner singapore 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Exclusions: Specific Scenarios<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In certain specific scenarios, most health insurance plans will not provide coverage. Commonly excluded scenarios include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Injuries or illnesses caused by hazardous use of alcohol or drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Injuries or illnesses caused by participation in criminal activities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Injuries or illnesses sustained as a direct result of a natural disaster<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-inflicted injuries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treatments arising from war or terrorist acts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Injuries sustained from engaging in professional sports<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Exclusions: Cosmetic Surgery<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Health Insurance plans only cover treatments that are deemed medically necessary so cosmetic surgeries are not covered as they are considered a matter of personal choices. Hence, surgeries for aesthetic purposes such as facelifts and rhinoplasties are not covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In some exceptional cases, you might be able to reclaim the costs of certain cosmetic treatments such as facial reconstruction after an accident. This, however, is an unlikely case for most people going for cosmetic surgery.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-43' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Singapore_3.jpg\" alt=\"Blog Banner Singapore 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Exclusions: Treatments Outside Singapore<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Local health insurance plans usually do not provide coverage and benefits outside of Singapore. As expats, you might need to travel frequently (with your family). If that\u2019s the case, then taking out an international health insurance plan would be the best option.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">International health insurance<\/span><\/a><span style=\"font-weight: 400;\"> will offer coverage at almost any hospital, anywhere in the world. You can rest assured that you receive world-class healthcare services in top-notch private medical facilities, without having to worry about financial issues and long wait times.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Understanding Policy Exclusions<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To navigate insurance exclusions effectively, policyholders should take certain steps to ensure clarity and understanding:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thoroughly Read Policy Documents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consult with Insurance Brokers or Professionals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seek Clarification on Specific Exclusions<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Thoroughly Read Policy Documents<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is essential to carefully review the entire insurance policy, including the terms, conditions, and exclusions, before purchasing insurance. Policyholders should pay close attention to the exclusion section to identify any potential limitations or restrictions on coverage.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Consult with Insurance Brokers or Professionals<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html\"><span style=\"font-weight: 400;\">Seeking guidance from experienced insurance brokers<\/span><\/a><span style=\"font-weight: 400;\"> or agents can be immensely helpful. These professionals have in-depth knowledge of insurance policies and can provide valuable insights and clarifications regarding specific exclusions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through consultation with them, policyholders can better understand the implications of exclusions and advise on suitable coverage options that align with their needs and risk tolerance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Seek Clarification on Specific Exclusions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If there are any doubts or uncertainties about specific exclusions, it is advisable to contact the insurance provider or broker directly. They can clarify the extent of coverage and any potential gray areas.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is crucial to obtain written or documented clarification to ensure clarity and avoid misunderstandings in the future.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-44' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Singapore_4.jpg\" alt=\"Blog Banner Singapore 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Mitigating Exclusion Risks<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding policy exclusions and taking appropriate measures to mitigate them allows individuals in Singapore to secure insurance protection that aligns with their needs while avoiding potential pitfalls.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Policyholders can navigate exclusions in insurance policies more effectively, minimize risks, and make informed decisions by following the guidelines below.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Seeking Additional Coverage or Riders<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When certain exclusions pose significant risks, policyholders can explore additional coverage options or riders. These additional provisions can help address specific exclusions and provide extended coverage. For example, in health insurance, policyholders may opt for a rider that covers pre-existing conditions, offering protection for medical conditions that existed before obtaining the insurance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Exploring Different Insurance Providers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Comparing policies from multiple insurance providers allows individuals to evaluate coverage options and find the best fit for their needs. Different providers may have varying exclusions and inclusions in their policies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By conducting thorough research and <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">obtaining quotes from various insurers<\/span><\/a><span style=\"font-weight: 400;\">, policyholders can identify policies that offer broader coverage and minimize the impact of exclusions.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Maintaining Accurate and Updated Information<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Accurate and updated information is crucial when purchasing and maintaining insurance coverage. Policyholders should provide complete and precise information about their health, property, or any other relevant aspects during the application process.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Failing to disclose crucial information may lead to exclusions or denial of claims. Regularly reviewing and updating policy details is also important to ensure that coverage remains relevant and adequate over time.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Complying with Policy Terms and Conditions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Adhering to the terms and conditions outlined in the insurance policy is vital. Failure to comply with policy requirements, safety guidelines, or any other stipulations may result in exclusions or claim denials.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Policyholders should familiarize themselves with the obligations mentioned in the policy and ensure they meet them to maintain the validity of their coverage.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-45' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Singapore_5.jpg\" alt=\"Blog Banner Singapore 5\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What are insurance exclusions?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurance exclusions refer to specific situations, conditions, or events that are not covered by an insurance policy. These exclusions are typically outlined in the policy document and can vary depending on the insurance provider.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are some common exclusions in insurance policies?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The specific exclusions in insurance policies can vary widely, and it is essential to review the policy document carefully. However, there are some common exclusions in various types of insurance policies in Singapore. For example, pre-existing conditions and cosmetic treatments.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How do insurance exclusions affect claims?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurance exclusions directly impact the coverage provided by an insurance policy. If an event or circumstance falls under an exclusion listed in the policy, the insurance company will not be obligated to provide coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can insurance exclusions be modified or removed?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurance exclusions are typically determined by the insurance company and are part of the contractual agreement. But, whether it can be modified or removed depends on the specific terms and conditions of the insurance policy and the willingness of the insurance company.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">By knowing the common exclusions of health insurance, you are now equipped to make informed decisions on whether the health insurance policy is on par with what you need to stay physically and mentally healthy in Singapore.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/pp-profile\/about\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> is an award-winning insurance brokerage with over 20 years of experience in the industry. We leverage our connection with global <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">insurers<\/span><\/a><span style=\"font-weight: 400;\"> to help you search for <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-singapore-expats\/\"><span style=\"font-weight: 400;\">an insurance plan<\/span><\/a><span style=\"font-weight: 400;\"> that is compatible with your medical needs and budgets.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for a piece of impartial advice from our team of insurance experts, or get an obligation-free <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/\"><span style=\"font-weight: 400;\">quote<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enjoyed the read? If you would like to learn more about <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/outpatient-benefits-singapore.html\"><span style=\"font-weight: 400;\">outpatient benefits<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/expat-insurance-waiting-periods-for-dental-coverage-in-singapore.html\"><span style=\"font-weight: 400;\">waiting periods for dental benefits<\/span><\/a><span style=\"font-weight: 400;\"> in Singapore, look no further than here!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Exclusions in insurance refers to events, situations, and causes that would prevent a policy from covering you. Individuals in Singapore picking an insurance plan will want to understand their private health insurance plan exclusions so they don\u2019t risk paying any unexpected medical expenses. Do you know what are the common exclusions in the world of &#8230;<\/p>\n","protected":false},"author":72,"featured_media":19040,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-19039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Exclusions in Insurance for Singapore<\/title>\n<meta name=\"description\" content=\"Understand the exclusions of health insurance plans in Singapore, so you know whether the insurance can cover your medical needs to avoid paying out-of-pocket.\" 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