Sports injuries can happen to even the fittest and most active people. For Harry (not his real name), a 30+ year-old soccer enthusiast in Singapore, a seemingly routine match turned into a long recovery journey. What began as an ankle injury from a soccer game soon escalated into serious discomfort, affecting his ability to walk and move freely. This story highlights his experience with an ankle injury and orthopaedic surgery insurance.
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Surgery Required To Resolve Orthopaedic Ankle Injury
Harry experienced tightness in his leg muscles and increasing pain in his ankle, making everyday tasks difficult. After multiple consultations, he decided to undergo orthopaedic surgery at a private hospital, Mount Elizabeth. The procedure involved removing a small bone fragment from the foot and repairing the affected tendon. To ensure better mobility, a separate muscle adjustment was also performed.
The final hospital bill totalled over $30,000. This was a significant amount for anyone. However, Harry had planned well. With a comprehensive orthopaedic surgery insurance plan in place, much of the financial burden was eased. His policy not only covered the main procedure but also ensured that his follow-up physiotherapy sessions, which cost around $180 per visit. These were fully reimbursed under post-hospitalisation benefit of his Integrated Shield Plan. In fact, Harry also able to claim from his insurer for consultations and diagnosis leading up to the surgery, due to the pre-hospitalisation benefits under his plan
How Having A Good Financial Consultant Can Help
A key learning from Harry’s case is how having good financial consultants can help ensure our financial protection. Financial consultants can work through with you on your financial planning, ensuring that you are adequately covered to a level you are comfortable with. When crisis strikes, financial consultants can help manage the insurance paperwork and make the claims for prolonged follow-ups hassle-free and convenient. Without such guidance, navigating coverage limits and documentation could have been overwhelming during a physically and mentally challenging time.
In Singapore, with high-quality healthcare facilities and rising medical costs, the role of insurance advice cannot be understated. Whether you’re an athlete or just someone who enjoys weekend sports, it’s wise to review your coverage and ensure it meets your potential needs.
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Disclaimer: 365Asia aims to provide accurate and up-to-date information, our contents do not constitute medical or any professional advice. If medical advice is required, please consult a licensed healthcare professional. Patient stories are for general reading. They are based on third-party information and have not been independently verified.