How We Work
Our Mission
Health Insurance Singapore is an independent comparison platform that helps Singapore residents, PRs, and foreigners find the most suitable health insurance coverage. We operate as a licensed referral agent, connecting you with MAS-regulated insurance providers and intermediaries across the island.
What We Do
For You
- Compare Integrated Shield Plans from all major Singapore providers
- Get personalized quotes based on your age, health, and preferences
- Access expert guidance on MediShield Life, riders, and private coverage
- Understand your rights and obligations under Singapore insurance law
- Receive ongoing support throughout the application process
For Providers
- Connect with qualified, interested customers efficiently
- Access pre-screened leads with detailed preferences
- Benefit from our comprehensive market insights
- Maintain competitive advantage in a transparent marketplace
- Leverage digital marketing to reach target demographics
Important Clarification
We are NOT an insurance company, financial adviser, or registered broker. We operate as an independent comparison platform and referral agent, helping you connect with appropriate licensed professionals who can provide advice and insurance products tailored to your needs.
How We Make Money
100% Free for Users
Our comparison service is completely free for you to use. You will never pay any fees to access quotes, speak with our team, or use any of our educational resources.
Our Revenue Sources:
Referral Commissions
Insurance providers pay us a commission when you successfully purchase a policy through our referral
Lead Generation Fees
Some partners pay for qualified leads regardless of whether you purchase
Educational Partnerships
Sponsored content and educational seminars (clearly labeled)
Market Research
Anonymous, aggregated data insights (no personal information sold)
Important: These arrangements do NOT affect the price you pay for insurance - premiums are set by the insurance companies themselves.
Who We Work With
Our Partner Selection Standards
We maintain strict criteria for all partners to ensure you receive the highest quality service and protection:
Regulatory Compliance
- Licensed by MAS (Monetary Authority of Singapore)
- Registered on Singapore's Financial Services Provider Registry
- Compliant with PDPA and consumer protection regulations
- Current professional indemnity insurance coverage
Quality Standards
- Minimum financial strength rating (B+ or higher)
- Proven track record of fair and timely claims processing
- Transparent policy terms and pricing
- Responsive customer service and support
Current Partner Categories
Major Insurers
- AIA Singapore
- Prudential Singapore
- Great Eastern
- NTUC Income
- Raffles Health Insurance
- Cigna Singapore
Licensed Brokers
- Independent insurance brokers
- Corporate insurance specialists
- Expat insurance experts
- Family coverage specialists
Service Partners
- Medical screening providers
- Financial planning firms
- Legal advisory services
- Claims assistance companies
Partner Verification
You can verify any insurance provider's license status at MAS eServices or check broker registrations through the relevant professional bodies. We encourage you to do your own due diligence.
Your Privacy & Data Protection
Our Privacy Commitment
We take your privacy seriously and comply fully with Singapore's Personal Data Protection Act (PDPA). Your personal information is only shared with relevant, licensed partners based on your explicit consent and preferences.
What Information We Share
- Contact information (name, email, phone) to facilitate quotes
- Basic demographics (age, citizenship status) for eligibility assessment
- Health insurance preferences and requirements
- Current coverage status and budget parameters
What We DON'T Share
- NRIC/FIN numbers (unless specifically required for application)
- Detailed medical history or sensitive health information
- Financial details beyond insurance budget preferences
- Your information with unrelated third parties for marketing
Your Rights
- Access your personal data we hold
- Correct inaccurate information
- Withdraw consent for data processing
- Request deletion of your data
- File complaints with PDPC if needed
Data Security
- 256-bit SSL encryption in transit
- Secure cloud storage with backups
- Role-based access controls
- Regular security audits and updates
- Incident response procedures
For complete details, please read our Privacy Policy .
Quality Assurance & Monitoring
Ongoing Monitoring
- Regular partner performance reviews
- Customer feedback collection and analysis
- Compliance audits and license verification
- Financial strength rating monitoring
When Issues Arise
- Direct intervention with partners on your behalf
- Escalation to relevant regulatory authorities
- Partner removal for serious violations
- Public warnings where appropriate
Report Issues
If you experience any issues with our partners, please contact us immediately at help@healthinsurance.com.sg. We take all complaints seriously and will investigate promptly.
Regulatory Oversight
Singapore Financial Regulatory Framework
The health insurance industry in Singapore is heavily regulated to protect consumers. Here are the key regulatory bodies and frameworks that govern our operations and our partners:
Monetary Authority of Singapore (MAS)
- Primary regulator for all insurance companies and intermediaries
- Licenses insurance providers and supervises their operations
- Sets capital adequacy and risk management requirements
- Investigates complaints and enforces regulations
Industry Organizations
- General Insurance Association (GIA): Industry standards
- Life Insurance Association (LIA): Life and health insurance oversight
- Singapore Insurance Brokers' Association (SIBA): Broker standards
- Financial Planning Association (FPAS): Financial adviser standards
Consumer Protection Resources
Financial Industry Disputes Resolution Centre (FIDReC)
Free dispute resolution for financial services: fidrec.com.sg
MoneySense
Financial education resources: moneysense.gov.sg
Want to Become a Partner?
Partnership Opportunities
If you're a licensed health insurance provider, broker, or service provider operating in Singapore and would like to be featured on our platform, we'd love to hear from you.
For Insurance Providers
- Access to pre-qualified leads
- Competitive listing and comparison placement
- Educational content partnership opportunities
- Market insights and analytics
For Brokers & Advisers
- Referral partnerships for complex cases
- Specialized product expertise showcasing
- Educational webinar collaborations
- Niche market access (expats, high-net-worth, etc.)
Get In Touch
partnerships@healthinsurance.com.sg
Response within 2 business days
bd@healthinsurance.com.sg
Strategic partnerships and collaborations
Partnership Requirements: All partners must hold valid MAS licenses and meet our quality standards. We require proof of licensing, financial strength ratings, and references from existing clients.