A Complete Guide to Health Insurance for Expats in Singapore

Singapore has one of the best healthcare systems in the world — but it's designed primarily for citizens and permanent residents. If you're an expat, you're largely on your own when it comes to insurance.

As a foreigner, you don't have access to MediShield Life (Singapore's national health insurance scheme) or CPF-funded coverage. This means a single hospital stay can cost you $20,000–$100,000+ out of pocket without private insurance.

There are three main types of health plans available to expats: local Integrated Shield Plans (if your employer facilitates it), standalone private hospital plans, and international health insurance. Each has trade-offs around cost, coverage, and portability.

Local plans are typically cheaper but only cover you in Singapore and may restrict which hospitals you can visit. International plans cost more but cover you globally — useful if you travel frequently or might relocate.

When comparing plans, pay attention to: annual limits, co-pay/deductible structures, pre-existing condition clauses, and whether outpatient visits are included. Many expats are surprised to find their plan only covers hospitalisation.

Our recommendation: book a free consultation. We'll compare plans from multiple insurers and match you to coverage that fits your budget, health needs, and future plans — at no cost to you.