Mount Elizabeth Hospital Singapore
This great hospital has got lot
of publicity in India
in last 3 days (Dec. 27, 2012 to Dec. 29, 2012).
We had high hopes for recovery /
treatment of first private citizen of India, who was sent for treatment
on Government of India expense.
The Interesting phenomenon I came
across in 3 days is that more than 60 crores persons living in India
have become aware of this hospital that it is a super specialty hospital of
world repute for organ transplant.
Case Study 1:
Phone call received by us from a
prospective client who wishes to buy Overseas Travel Insurance policy for 7days so that he can go and get treated in Mount Elizabeth under this policy.
He was rather disappointed to
know that Overseas Travel Insurance policy issued by insurance companies does
not cover treatment for disease which is pre-existing.
Case Study 2:
Phone call received by us from a
prospective client who wishes to buy Health Insurance Policy for Rs. 2 Lakhs
and wishes to go to Singapore for being treated in Mount
Elizabeth.
He was surprised to know that
a)
Rs. 2 Lakhs is too small an amount for being treated in
this world class hospital, where room rent for lowest single room is Rs. 30,000
or so. We are not aware of costs for
treatment. Our assumption is that it should be very high.
b)
The policies issued by all but 1 insurance company
cover treatment within India.
The only exception is Religare Health Insurance product where you can get
treatment in an overseas hospital (Mount Elizabeth
Hospital also) provided you have sum assured of either Rs. 50 Lakhs or Rs. 60
Lakhs.
We come to conclusion that:
- Those who can afford.
- Those who wish to be treated in reputed hospitals like Mount Elizabeth should go in for Religare Health Insurance policy for sum assured of Rs. 50 Lakhs / Rs. 60 Lakhs.
Otherwise let us be satisfied
with our world class hospitals- Medanta, Apollo, Fortis etc.
