Expat Insurance Providers in Singapore in 2026
Expats in Singapore need private health insurance, as they aren’t eligible for subsidized plans like MediShield Life. Providers such as Allianz Care, Cigna, HSBC Life, and Sompo offer international coverage tailored to expat budgets and healthcare needs.
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Choosing the right expat insurance is essential for access to quality healthcare and peace of mind while living abroad. This guide outlines the top insurance companies for expats in Singapore and explains why staying insured is crucial when relocating to the city-state.
Why Expats in Singapore Need Private Health Insurance
Did you know that health insurance is mandatory for expats in Singapore? In fact, it is one requirement that all expats in Singapore must meet. Expat health insurance is a plan designed for those who relocate to Singapore to live or work. Here’s what you need to know about this type of insurance.
How Expat Health Insurance Works in Singapore in 2026
As the name suggests, expat health insurance is an insurance policy meant for expatriates (who are neither Singaporean citizens nor permanent residents) who have moved from another country to work and live in Singapore with a valid visa.
With an expat health insurance plan, you can access local healthcare facilities while living in Singapore. You can think of it as an expat’s alternative to the Singaporean Integrated Shield Plan since expats don’t have access to government-provided insurance schemes like MediShield Life.
There is a broad selection of expat health insurance plans in Singapore compared to Integrated Shield health insurance plans. Expat health insurance plans tend to offer more comprehensive coverage than the standard coverage that comes with most Integrated Shield health insurance plans.
Top Expat Health Insurance Companies in Singapore in 2026
Now that you understand why expats in the Lion City need health insurance, it’s time to get to know the insurance providers in Singapore that offer the best policies. While the topexpat health insurance provider is a matter of preference, the leading expat health insurers in Singapore include:
- Aetna International
- American International Group (AIG)
- Allianz Care
- April International
- Cigna
- HSBC Life
- Liberty Insurance
- Mitsui Sumitomo Insurance Group (MSIG)
- Raffles Health Insurance (RHI)
- Sompo Insurance Singapore
Aetna International: Global Plans for Expats
Aetna International is one of the insurance industry’s most recognized and largest international providers. It is part of the Fortune 100 company Aetna and a world leader in offering healthcare benefits, with a strong global reputation that it has earned over its 160 years of operation.
Aetna International’s expat business caters to over 800,000 members worldwide with their high-quality health plans that are accessible and customizable, along with their 24/7 customer support.
AIG: Trusted Coverage Since 1953
American International Group, or AIG as it is more commonly known, is a renowned global insurance provider with a vast global network comprising around 80 locations. In Singapore, AIG has been serving expats and locals alike since 1953 and remains one of the largest insurers in the city-state.
Allianz Care: Flexible IPMI Plans
Allianz Care offers a wide array of international private medical insurance (IPMI) options for individuals, families, and corporate clients in Singapore. With an expat health insurance plan from Allianz Care, you can rest assured that you’ll receive local expertise and superior customer service.
Additionally, Allianz Care has one of the world’s largest networks of providers, as well as offices in all corners of the globe. This can come in handy for expats in Singapore who wish to take their health insurance plan with them when and if they move out of the Lion City.
April International: Tailored Health Coverage
April International offers comprehensive and flexible health insurance coverage through an array of products and services. The insurer designs and manages insurance plans; provides assistance services; and covers their expat, traveler, family, and corporate clients in Singapore and globally.
Cigna: Comprehensive Global Health Insurance
Cigna is an international health insurance company that aims to improve the health, well-being, and peace of mind of its individual and corporate clients. Founded more than 225 years ago, Cigna has earned its place as one of the world’s largest and most recognized IPMI providers.
Operating as one global team, Cigna’s presence in Singapore allows the insurer to deliver customized solutions that are affordable and effective while giving their clients access to their extensive health provider network.
HSBC Life: Expat-Friendly Medical Plans
HSBC Life is one of the leading general insurance companies in Singapore. With over 170 years of experience in Asia, the insurer has exceptional market knowledge and access to a broad network of local providers that helps them offer the ideal plans for expats and their families in the city-state.
Liberty Insurance: Local and Global Health Options
In Singapore, Liberty Insurance offers a wide selection of health insurance plans that are designed to help expats navigate the challenges of life. Liberty’s insurance policies provide local and international coverage, including inpatient care, outpatient care, and renewal up to 80 years of age.
MSIG: Over 100 Years of Insurance in Singapore
MSIG (Mitsui Sumitomo Insurance Group) has had a robust presence in Singapore for more than 100 years. With a simple insurance claims process for Singapore expats to 24/7 emergency hotlines, there are many reasons why MSIG is a leading insurer.
RHI & Bupa: Plans for Expats in Singapore
Since 2008, any policy that is insured by Raffles Health Insurance (RHI) in Singapore has been administered by Bupa, a recognized international administrator of health insurance plans. Together, RHI and Bupa offer a range of health insurance plans to cater to the requirements of expats in Singapore.
Sompo Singapore: Reliable and Efficient Coverage
Sompo Insurance Singapore has been serving expats in the city-state with premium insurance products for over 30 years. Since 1989, Sompo has offered plans that cater to local and international clients, covering everything from inpatient and outpatient care to hospitalization allowances and more.
Like other insurers on this list, Sompo Singapore is known for its high claims-processing standards, ensuring your insurance needs are handled as quickly and efficiently as possible.
How to Purchase Expat Health Insurance in Singapore
When it comes to buying expat health insurance, there are essentially two options: purchasing directly from an insurance provider or going through an insurance broker. Working with an insurance broker is often preferable since they assist you in finding the best plan for your needs and budget.
We’ve created a handy guide on how to buy insurance online in Singapore to help you get started.
Frequently Asked Questions
What is the best health insurance for foreigners in Singapore?
With insurers such as Allianz Care, HSBC Life, and Raffles Health Insurance offering exceptional health insurance products, the best health insurance for foreigners in Singapore depends on your specific needs and preferences.
What types of insurance can foreigners buy in Singapore?
Foreigners have several insurance options to choose from in Singapore, including Integrated Shield plans, employee-sponsored plans, and expat health insurance.
How expensive is healthcare for expats in Singapore?
On average, an expat in their 40s living and working in Singapore can expect to pay about SGD $3,200 per year for a health insurance plan. Policyholders in their 20s can expect to pay less than half of that amount, while premiums tend to increase significantly after the age of 65.
How much is medical care in Singapore for expats?
Expats in Singapore can expect to pay as much as SGD $150 for a visit to a specialist outpatient doctor, as they are charged regular medical rates and cannot access government subsidies like Singaporean citizens and permanent residents.
Conclusion
Allianz Care, Cigna, and HSBC Life are just some of the many expat insurance providers in Singapore that you can choose from. But being aware of your options is just the start. Next, you must think about your requirements and your budget.
To choose the right insurer, you must understand and compare your options. This is crucial for expats living abroad in Singapore and expats relocating to Singapore, as proper research helps secure suitable coverage. Pacific Prime can support you throughout the process.
As a global health insurance broker with over 25 years of insurance experience, Pacific Prime Singapore has the knowledge and expertise to help you find the ideal plan. Contact us for a free plan comparison or unbiased insurance advice today!
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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Comments
2 Comments
Are there any specific wellness programs or preventive health services included in expat insurance plans in Singapore?
Yes, many expat insurance plans in Singapore include wellness programs and preventive health services to promote overall well-being. For example, providers such as Allianz Care and Cigna often offer benefits like annual health check-ups, vaccination coverage, mental health counseling, and access to wellness platforms for fitness and nutrition support. Some plans also include programs like chronic disease management and second medical opinion services to ensure comprehensive preventive care.
To explore insurance options with wellness benefits tailored to your needs, contact Pacific Prime for a free plan comparison or personalized advice on expat insurance in Singapore. Visit our Contact Us page to get started.
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