
The warmer periods of May to September usually results in a higher transmission of dengue infections and is therefore termed as the dengue season.1 However, did you know that in the first quarter of 2020, Singapore has experienced double the number of cases for dengue as compared to the same period in 2019?2 With the number of dengue infections in 2020 unusually high, entering dengue peak season could lead to a surge in dengue cases if there are no preventive measures in place. In this article, we highlight the 3 tips you should know to better prepare for the upcoming dengue season in Singapore.
(See "When Is Whole Life Insurance The Better Option")
#1 There is a dengue vaccine but...
While there is a vaccine for dengue, this is only available for those between the ages of 12 to 45. Meant for individuals with a history of dengue infection who are worried about getting infected again, those with no prior dengue infection will not be eligible for a dengue vaccination. If you are unsure of your prior dengue infection status, you may take a pre-vaccination dengue screening test to assess if there were any previous infections.
(See "Is My Company's Insurance Benefit Really Reliable?")
#2 Take extra precautions if your neighbourhood is classified as a dengue cluster
A neighbourhood is defined as a dengue cluster if 2 or more dengue cases occur within 14 days with the homes of the dengue victims within a distance of 150 meters from one another.3 Dengue clusters can be further broken down into yellow or red zones with the former being a high risk area with less than 10 cases and the latter a high risk area with more than 10 cases.
If your neighbourhood has been identified as a dengue cluster, do ensure that you take extra precautions to prevent a dengue infection. This could be done by checking potential breeding spots such as roof gutters and drains and ensuring that there are no clean and stagnant water in your home for Aedes mosquitoes to breed in.
(See "3 Reasons To Not Get Basic Critical Illness Insurance")
#3 Protect your family with a personal accident plan
Apart from coverage for accidents, did you know that a personal accident plan could also cover for infectious diseases? While the level of coverage may differ between insurers, some infectious diseases covered may include dengue fever, Covid-19, Hand Foot and Mouth Disease (HFMD), Avian Influenza and Zika virus.
Sompo PA Star Deluxe |
FWD Personal Accident Insurance (100k) |
Income PA Assurance Plan 1 |
TM PA Plan A |
MSIG Protection Plus Silver Plan |
Manulife Ready Protect Accelerate |
|
Infectious diseases cover |
Yes, for 17 specified infectious diseases |
Yes, for 22 specified infectious diseases. |
Optional add-on |
No |
No |
Yes, for 21 specified infectious diseases |
Annual premiums for Class 1 occupations |
$177.62 |
$120 |
$198 |
$198 |
$123.05 |
$173 |
*Comparison done is based on plans with a $100,000 accidental death coverage. Premiums shown are before discounts. Information is accurate as of 28 September 2020 with changes subjected to the insurer's discretion.
With personal accident plans offering worldwide coverage, you may rest assured knowing that your treatment costs will be covered under a personal accident plan. This could include hospitalisation expenses and/or other outpatient treatment costs that may not be claimable from Medishield.
Promotion: Enjoy 26% off FWD Personal Accident plans with promo code "IFAST".
(See "Best Personal Accident Insurance Singapore 2020")
Over 8,100 users trust FSMOne with their insurance planning
Live better, safer. Take risks with your investments, not your insurance.
Speak to our experts today to get proper protection.
Available Products on FSMOne Insurance |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment from Etiqa Insurance, Manulife, NTUC Income and Tokio Marine Life Insurance *Please check with our advisory team if the product you want is available on FSMOne Insurance |
1Source: https://www.nea.gov.sg/dengue-zika/dengue/dengue-cases
3Source: https://www.nea.gov.sg/dengue-zika/dengue/dengue-clusters
Interested to learn more? Check out these articles:
Best Motorcycle Insurance Singapore 2020
Want An Early Retirement? Achieve Your Retirement Goals With Annuities
3 Lessons We Can Learn From The Covid-19 Crisis
