Why is Health Insurance for Kids Important?

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Singapore boasts arguably one of the best public healthcare systems in the world. Having said that, parents in the city-state are also faced with the question of whether to buy a private medical insurance policy for their kids. To help, Pacific Prime Singapore lists the four major health risks facing children in the city.

  1. Child illness

The number one threat to children’s health is simple: disease. Their underdeveloped immune system, plus their frequent interaction with the environment and other children, make them vulnerable to developing various health conditions. The most common illnesses among children include:

  • The common cold
  • Acute bronchitis
  • Chickenpox
  • Asthma
  • Eczema

While some of the above are rather easy to treat, others are serious conditions that require long-term medical attention.

  1. Genetic disease

Sometimes, it’s what hides within that’s dangerous. Our own genes might well be the culprit to the development of an ailment. Here are the most common genetic disorders in Singapore:

  • Down syndrome
  • Muscular dystrophy
  • Congenital heart disease
  • Autistic spectrum disorder

Worse still, many of these genetic disorders have no outright cure, which means that children may have to live with the illness for their whole lives, and the potential medical costs can quickly rack up. Furthermore, certain genetic conditions may also increase the child’s risk of developing other health problems.

  1. Injury-prone activities

It’s very natural for kids to engage in different kinds of physical activities, which heighten their chances of injury. You may want to consider securing health insurance for your little ones to cover any medical expenses that may arise. The most common injuries seen among children in Singapore include:

  • Falls
  • Injuries caused by sharp objects
  • Cycling accidents
  • Burns and scalds
  • Cuts
  1. Environmental risks

Singapore is considered very safe, but as with any other country in the world, unforeseen and invisible risks can still lurk around us and lead to serious health conditions, such as:

  • Mould
  • Insect bites
  • Gas
  • Air pollution
  • Water pollution

Among these threats, air pollution is particularly an issue as pollutants may be blown into Singapore from other countries. For this reason, children are advised to stay indoors to minimise their exposure to harmful particulates.

Got more questions?

Established in 2000, Pacific Prime Singapore has grown from its humble beginnings to become a leading insurance brokerage with nine regional offices. Contact us today to get a free quote, plan comparison, and answers to all your questions!