Top 8 International Health Insurance for Expats Living in Singapore
Singapore is a vibrant global hub that seamlessly blends modernity with tradition. Its efficient infrastructure, diverse culture, and exceptional quality of life make it a top destination for expatriates. If you’re looking for an international health insurance for expats living in Singapore whether you are planning to relocate or are already living in Singapore, this guide will help you confidently navigate your health insurance options.
This article highlights the importance of international health insurance for expats in Singapore, providing insights into the healthcare system, comparing local and international plans, and showcasing top insurance providers in Singapore.
Understanding Health Insurance Access for Foreigners
Singapore boasts a healthcare system that is both efficient and well-regulated, consistently ranking among the best in the world. However, access to this system varies significantly between residents and foreign nationals.
Residents benefit from subsidized care through MediShield Life and other public schemes, ensuring affordability and comprehensive coverage. In contrast, expats and tourists must rely on private or international health insurance to access quality healthcare services.
These plans provide essential coverage for medical treatments, hospitalization, and emergency care, bridging the gap for those not eligible for local subsidies.
International Health Insurance vs. Local Plans in Singapore
Local insurers in Singapore may offer basic medical plans, but they often exclude outpatient care, maternity, mental health support, and global coverage. These limitations can leave expats vulnerable to high out-of-pocket expenses for essential healthcare services.
International health insurance provides broader access to services, including comprehensive inpatient and outpatient care, maternity benefits, mental health support, and global coverage.
These plans often feature direct billing at top hospitals, eliminating the need for upfront payments and ensuring seamless access to quality healthcare. Also, international health insurance offers flexibility to use coverage while traveling or relocating.
Leading Health Insurance Providers for Expats in Singapore
Choosing the right health insurance provider is crucial for expats in Singapore. With a variety of options available, it’s important to understand the unique benefits and features each insurer offers to make an informed decision.
Allianz Care
Allianz Care is renowned for its comprehensive plans that include wide global hospital networks. This makes it a top choice for expats seeking extensive coverage and access to quality healthcare facilities worldwide.
Allianz also offers tailored solutions for families, frequent travelers, and professionals, ensuring that every individual’s needs are met. With a strong emphasis on customer service and seamless claims processing, Allianz Care continues to be a trusted name in international health insurance.
Below are the different plan categories available from Allianz Care
- Care: Coverage up to USD $2,500,000
- Care Plus: Coverage up to USD $4,000,000
- Care Pro: Coverage up to USD $5,000,000
- Estimated annual premiums: SGD $2,000–$5,000 depending on age and coverage level
Cigna Global
Cigna Global offers flexible modular plans that cater to diverse needs. With strong outpatient and mental health coverage, it stands out as a reliable option for expats prioritizing holistic health support.
Cigna’s plans are designed to adapt to changing lifestyles, making them ideal for expats who frequently relocate or travel. Their extensive network of healthcare providers ensures that policyholders have access to top-tier medical services wherever they are.
- Silver: Coverage up to USD $1,000,000
- Gold: Coverage up to USD $2,000,000
- Platinum: Unlimited coverage
- Estimated annual premiums: SGD $2,500–$6,000 based on plan and region
Liberty Insurance Singapore
Liberty Insurance Singapore offers a wide range of health insurance plans tailored to meet the needs of expatriates. Their comprehensive coverage includes inpatient and outpatient care, maternity benefits, and mental health support, ensuring peace of mind for policyholders.
Liberty Insurance is known for its customer-centric approach, providing personalized solutions and exceptional service. With a strong presence in Singapore, they leverage local expertise to deliver reliable and efficient healthcare coverage.
- Essential: Coverage up to SGD $2,000,000
- Extensive: Coverage up to SGD $4,000,000
- Elite: Coverage up to SGD $6,000,000
- Estimated annual premiums: SGD $1,800–$4,800 depending on benefits and age
April International
April International is known for its inclusive plans that cover dental, maternity, and chronic conditions. This comprehensive approach ensures expats have access to a wide range of essential healthcare services.
April’s focus on preventive care and wellness programs sets them apart, offering policyholders tools to maintain their health proactively. Their user-friendly digital platform simplifies policy management and claims, making healthcare access hassle-free.
- Essential: Coverage up to SGD $2,000,000
- Extensive: Coverage up to SGD $4,000,000
- Elite: Coverage up to SGD $6,000,000
- Estimated annual premiums: SGD $2,000–$5,500, depending on modules and deductible
MSIG Insurance
MSIG Insurance offers a diverse range of health insurance plans designed to cater to expatriates in Singapore. Their plans provide comprehensive coverage, including inpatient and outpatient care, maternity benefits, and mental health support, ensuring peace of mind for policyholders.
MSIG is recognized for its innovative solutions and commitment to customer satisfaction. With a strong presence in Singapore, they leverage their expertise to deliver reliable and efficient healthcare coverage.
- Standard: Coverage up to SGD $250,000
- Elite: Coverage up to SGD $500,000
- Premier: Coverage up to SGD $1,000,000
- Estimated annual premiums: SGD $1,200–$3,800 depending on age and plan tier
HSBC Life
HSBC Life integrates technology into its healthcare solutions, offering international coverage with innovative features. It is a trusted choice for expats seeking modern and efficient insurance options.
HSBC’s emphasis on financial security and health protection ensures that policyholders can enjoy peace of mind. Their global presence and commitment to excellence make them a reliable partner for expatriates worldwide.
- Life Treasure III: Coverage up to SGD $300,000 (with multiplier)
- Term Protector: Flexible coverage up to SGD $1,000,000+
- Estimated annual premiums: SGD $1,500–$4,500 depending on age and riders
Sompo Insurance
Sompo Insurance provides reliable protection with adaptable coverage areas. Its flexibility makes it suitable for expats with varying healthcare needs.
Sompo’s dedication to customer satisfaction is evident in their tailored plans and responsive support services. Their strong partnerships with healthcare providers ensure that policyholders receive top-notch medical care wherever they are.
- MyHealth Essential: Coverage up to SGD $2,000,000
- MyHealth Extensive: Coverage up to SGD $4,000,000
- MyHealth Elite: Coverage up to SGD $6,000,000
- Estimated annual premiums: SGD $2,000–$5,000 depending on add-ons and underwriting
Raffles Health International
Raffles Health International leverages local insight and partnerships with top hospitals. This ensures expats receive high-quality care tailored to the Singaporean healthcare landscape.
Raffles’ commitment to excellence is reflected in their comprehensive plans, which address the unique needs of expatriates. Their focus on preventive care and wellness programs further enhances their appeal to health-conscious individuals.
- Worldwide Health Options: Modular plans with customizable limits
- Typical coverage: USD $1,000,000–$3,000,000
- Estimated annual premiums: SGD $2,500–$6,500 depending on modules and region
Recommended Coverage Features for Expats in Singapore
Comprehensive coverage ensures that you and your family are protected against unexpected medical expenses, allowing you to focus on enjoying your new life in Singapore. To ensure complete protection and peace of mind, expats should prioritize plans that include:
- Inpatient and outpatient services
- Emergency evacuation
- Specialist consultations and diagnostic testing
- Mental health support and wellness programs
- Dental, maternity, and vision benefits
- Portability for travel or relocation
Insurance Options for Tourists Visiting Singapore
Tourists visiting Singapore have access to short-term travel insurance or emergency health coverage. These plans typically include medical treatment, hospitalization, trip cancellation benefits, and support for lost luggage. Coverage can be arranged online before departure or upon arrival.
Short-Term Travel Insurance
Short-term travel insurance plans are designed to provide peace of mind for travelers, ensuring that unexpected events don’t derail their trips. These plans typically cover a range of scenarios, such as:
- Emergency medical treatment for sudden illnesses or injuries.
- Trip cancellations or interruptions due to unforeseen circumstances.
- Lost or delayed luggage, ensuring compensation for essential items.
- Emergency evacuation and repatriation services.
Emergency Health Coverage
Emergency health coverage plans are designed to provide immediate and comprehensive support during unexpected medical situations. These plans typically include:
- Coverage for hospitalization and emergency treatments.
- Access to a network of healthcare providers for quick assistance.
- Medical evacuation and repatriation services.
- Support for prescription medications and follow-up care.
Employer Health Benefits and Expats
For expats working in Singapore, employer-provided group medical plans can be a convenient starting point for healthcare coverage. These plans are often included as part of employment packages, offering basic medical benefits to foreign employees.
However, it is important to note that such plans may have significant limitations, including:
- Restricted provider networks
- Minimal outpatient or dental coverage
- No inclusion of dependents
- Lack of global portability
Many professionals opt for supplementary international health insurance to fill these gaps and ensure coverage outside of work.
Hospitals in Singapore That Accept International Insurance
Accessing healthcare in Singapore as an expat is made easier with international insurance plans that offer direct billing at top hospitals. This ensures seamless medical care without the hassle of upfront payments or reimbursement delays.
These include:
Having insurance with global networks ensures seamless access to these facilities without upfront payments.
Cost Factors and Premium Estimates
Understanding the cost of international health insurance is crucial for expats planning their healthcare budget. Premiums can vary widely based on individual needs and circumstances, making it essential to evaluate your options carefully.
International health insurance premiums depend on several factors:
- Age and medical history
- Plan type and coverage limits
- Geographic coverage region
- Deductibles and co-payments
- Number of insured individuals
While basic plans may start around SGD $1,500 annually, comprehensive plans can range upwards of SGD $5,000 or more. Pacific Prime can help assess your budget and find cost-effective options.
Benefits of Global Health Insurance for Expats Living in Singapore
Global health insurance is more than just a safety net—it’s a gateway to seamless healthcare access, no matter where life takes you. For expats, this means peace of mind and the freedom to focus on what truly matters.
Choosing a globally recognized insurer offers several advantages:
- Freedom to receive care anywhere in the world
- 24/7 multilingual support and digital claim services
- Mobility when traveling or relocating
- Coverage for rare or complex medical conditions
It’s especially beneficial for expats with families, frequent travelers, and international business professionals.
Wellness and Preventive Care Services for Expats Living in Singapore
Modern insurers are embracing wellness benefits that go beyond traditional healthcare. These innovative features aim to enhance overall well-being and support proactive health management.
These may include:
- Telemedicine consultations
- Health screenings and vaccinations
- Fitness incentives and apps
- Counseling and mental health therapy
- Nutritional advice and coaching
Wellness coverage helps maintain overall health and supports proactive care strategies.
Start Your Insurance Journey with Pacific Prime
Whether you’re an expat settling into Singapore or preparing to relocate, Pacific Prime Singapore is your trusted ally. Our expert team will explain your options in plain language, compare plans from top insurers, customize coverage to your lifestyle, and support you through application and renewal.
Whether it’s international health insurance, family insurance, or expat insurance, Pacific Prime Singapore simplifies the process for you.
Get in touch with our team today for a free, no-obligation plan comparison!
At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.
In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.
