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The majority of Singaporeans are employed and thus enjoy some form of medical insurance coverage provided by their employers. As such, many Singaporeans have the mistaken impression that if their employers have provided hospitalisation & surgical coverage for them, they are ‘comprehensively’ and ‘fully’ covered. Consequently, they do not bother to look at any other medical coverage. This is potentially hazardous as employee hospitalisation & surgical insurance in reality does not provide long term coverage and thus cannot be the foundation of a person’s medical insurance portfolio.
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