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.
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