Quora Answer: Does Insurance Cover All Treatments for Cancer after Someone loses His Job?

The following is my answer to a Quora question: “Does insurance usually cover all treatments for cancer, even after someone loses their job?”

Within the context of Singapore, your policy is not tied to your occupation, unless it is a group health policy.  In such a case, leaving the job means losing coverage, unless that coverage is portable.  Assuming you have that hospitalisation coverage for cancer, no policy covers all treatments.  There is a schedule of treatments, and anything not specifically in that schedule has to go through panel doctors for approval.  Otherwise, people in their desperation would avail themselves to experimental treatment that does not have regulatory approval yet.  Should they die due to the treatment, and not the cancer itself, the insurer does not want to be liable for that.