Thanks to periodic news reports about yet another outbreak, Singaporeans are probably well-aware about Hand, Foot & Mouth Disease (HFMD), which is a kind of highly infectious viral infection. Children are more susceptible, though adults with a weaker immune system can also catch it. Due to its infectious nature, HFMD can spread rapidly among children in close proximity from one another, most commonly in pre-schools.
Despite heightened measures to screen for symptoms, HFMD outbreaks still happen frequently enough to be of concern. According to news reports, there have been more than 31,000 cases of HFMD in Singapore to-date.
Children (and adults) who contracted HFMD will require visits to the doctor and close follow-up care, or in more serious cases with complications, need to be hospitalised. In extremely rare cases, HFMD has even resulted in death.
In addition to health insurance policies, some personal accident insurance policies that you might purchase for your child actually cover for HFMD infections. These plans allow you to claim for medical expenses from HFMD treatments on a reimbursement basis, subject to your coverage limit.
It is important to note that personal accident plans with HFMD cover are a useful complement to other existing health and life insurance policies, but not a substitute.
Here are some personal accident policies that cover your child for HFMD. Note that this is by no means an exhaustive list.
AIA Star Protector Plus
The AIA Star Protector Plus is a worldwide personal accident and health cover for children between 2 weeks and 16 years of age.
It provides protection against accidental injuries and burns, as well as coverage for 16 common diseases, including HFMD, dengue fever and food poisoning.
You can take a look at their product brochure for more information.
AXA Band Aid
AXA Band Aid is a comprehensive personal accident plan, with an entry age of between 15 days old and 70 years old. In addition to the basic plan, you can opt for medical expenses to be covered, including expenses due to HFMD. In fact, you can get reimbursement for medical expenses over a period of 12-months from the date of diagnosis.
For more information on AXA Band Aid and how it works, refer to their product brochure.
Manulife ReadyProtect is a personal accident insurance plan that also covers for 21 infectious diseases, such as HFMD, Zika, and dengue. The entry age for this policy is between 15 days and 55 years of age.
For this policy, expenses from Traditional Chinese Medicine or chiropractic treatment is claimable.
For more details, you can take a look at the product brochure.
NTUC PA Assurance
PA Assurance from NTUC Income is a personal accident plan that has an optional infectious disease cover, which enhances coverage against 21 infectious diseases, including HFMD.
The entry age for this policy is between 15 days old and 65 years old.
To find out more about PA Assurance, check out the product brochure page.
Sompo PA Junior Insurance
With a policy entry age starting from 1 month to below 21 years old, Sompo PA Junior Insurance is a comprehensive child-focused personal accident plan that covers medical expenses and provides a quarantine allowance for 17 infectious diseased, including HFMD, dengue and the Zika virus.
For more information on policy benefits, refer to their product brochure.
Prevention Is Better Than Cure
A personal accident policy is one of the policies that parents get for their children as soon as they are eligible. Some parents prefer a personal accident policy that covers for something as common as HFMD, as a complement to other health insurance policies they might purchase.
At the same time, parents being pro-active to take steps to prevent their sick child from spreading HFMD is our best protection. The Ministry of Health has a comprehensive section on their website on spotting and reducing the risk of HFMD.
May your little ones stay well and grow up happy and healthy!
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