Health Insurance for Expats Singapore

Complete guide to health insurance requirements and options for expatriates living and working in Singapore

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Health Insurance Requirements by Visa Type

Employment Pass (EP)

Requirements Must have health insurance coverage
Min Coverage Minimum S$15,000 per year
Options Private health insurance or employer-provided

S Pass

Requirements Health insurance mandatory
Min Coverage Minimum S$15,000 per year
Options Private plans or company insurance

Work Permit

Requirements Medical insurance required
Min Coverage Minimum S$15,000 per year
Options Employer must provide coverage

Dependant Pass

Requirements Health insurance recommended
Min Coverage Not mandatory but advisable
Options Private health insurance plans

Why Expats Need Health Insurance in Singapore

Singapore has world-class healthcare, but costs can be high for non-residents. Health insurance provides financial protection and peace of mind.

Legal Requirement

Mandatory for most work visa holders

High Medical Costs

Private healthcare can be expensive without insurance

Global Coverage

International plans cover home country visits

Typical Medical Costs in Singapore

GP Consultation S$30-80
Specialist Consultation S$150-300
Emergency Room Visit S$200-500
Hospital Stay (per day) S$500-2000
Surgery (major) S$10,000-50,000

Top Health Insurance Providers for Expats

AIA Singapore

International Health Plan

Coverage Global coverage including home country
Premium From S$200/month
Worldwide coverage
Pre-existing conditions covered
Maternity benefits
Emergency evacuation

Cigna Singapore

Global Health Options

Coverage Regional or worldwide
Premium From S$180/month
Flexible coverage areas
Direct billing
Online claims
Wellness programs

Allianz Care

International Health Insurance

Coverage Global excluding or including USA
Premium From S$160/month
Modular coverage
Evacuation coverage
Dental & optical
Mental health support

Local vs International Health Insurance

πŸ‡ΈπŸ‡¬ Local Singapore Plans

Lower premiums
Singapore hospitals only
Local customer service
No home country coverage
Limited travel coverage

🌍 International Plans

Global coverage
Home country treatment
Evacuation coverage
Higher premiums
Complex claims process

Tips for Choosing Expat Health Insurance

Check Visa Requirements

Ensure your plan meets minimum coverage requirements for your visa type before applying.

Consider Family Coverage

If you have dependants, look for family plans that cover spouse and children efficiently.

Evaluate Coverage Area

Decide if you need global coverage or just Singapore and regional coverage based on travel needs.

Review Pre-existing Conditions

Understand waiting periods and coverage for any pre-existing medical conditions you may have.

Compare Deductibles

Higher deductibles mean lower premiums but more out-of-pocket costs when you need treatment.

Understand Exclusions

Read the fine print to understand what's not covered, including specific treatments or conditions.

Get Health Insurance as an Expat Today

Compare expat-friendly health insurance plans and meet your visa requirements with comprehensive coverage