Their situation
Leaving Singapore
A posting ends, or a contract does, and the question is whether the cover goes with you or starts again in the next country. It is worth asking early, because the answer changes what you should do before you leave rather than after.
Cover arranged as a worldwide plan is usually built to travel, which is the whole reason it is worth having one rather than a policy tied to living here. What is worth checking is whether yours actually is, and what changes when your country of residence does.
Three things to consider
- Portability
- Whether the plan is genuinely worldwide or built around living in Singapore. That is the difference between a change of address and a new application.
- Continuity
- The same underwriting question as arriving, in reverse. A plan that carries over carries your history with it; one that has to be replaced usually underwrites you again.
- Timing
- No gap between the old cover ending and the new cover starting. A few uncovered weeks in the middle of a move is the version of this that goes wrong.
What we do
- Read your existing plan and tell you whether it travels, before you cancel anything.
- Change the country of residence properly where the plan allows it, rather than letting it lapse and starting again.
- Line the dates up so there is no uncovered gap in the middle of the move.