Best Insurance Providers in Singapore for Expats
Expats in Singapore can find reliable health insurance from top providers AIA, Allianz Care, April International, Cigna, Henner, HSBC Life, IMG Global, Sompo, Raffles Health International, and William Russell, who all offer global support, flexible plans, and strong networks.
Discover the world's top
health insurers.
Compare quotes with
a click of the button.
Each insurer offers unique advantages for expats in Singapore. AIA focuses on wellness; Allianz provides tiered options; April International offers flexible plans; and Cigna delivers worldwide coverage with customizable benefits. Together, they ensure reputable, expat-friendly healthcare solutions.
Overview of Top Expat Health Insurers in Singapore
The top 10 insurance companies in Singapore are AIA, Allianz Care, April International, Cigna, Henner, HSBC Life, IMG Global, Sompo, Raffles Health International, and William Russel. These insurers offer some of the most comprehensive and flexible plans for expats in Singapore.
Here is a list of the top 10 insurers in Singapore for expats:
- AIA
- Allianz Care
- April International
- Cigna
- Henner
- HSBC Life
- IMG Global
- Sompo
- Raffles Health International
- William Russell
AIA: Tailored Health Insurance for Expats in Singapore
AIA’s health insurance offers expats in Singapore comprehensive medical coverage, wellness initiatives, and emergency evacuation services. With a strong emphasis on holistic health and a broad network throughout the APAC region, they are a great option if you are looking to get insured in Singapore.
AIA health insurance plans offer optional benefits for you to further customize your policy to suit your needs. Optional benefits include:
- Preventative care
- Dental
- Optical
- Maternity
- Mental health care
Allianz Care: Tiered Global Coverage for Expats in Singapore
Allianz Care is a great health insurance option for expats in Singapore, as they offer comprehensive policies that ensure expats are well protected during their stay. Allianz Care’s international health insurance plan is available in three different tiers: Care Base, Care Enhanced, and Care Signature.
Here is a comparison between the three different tiers available in Allianz Care’s International health insurance plan:
| Allianz Care International Health Insurance Plan Details (USD/SGD) | |||
| Benefits Coverage | Care Base Plan | Care Enhanced Plan | Care Signature Plan |
| Maximum Plan Limit | USD $1,350,000 (SGD 1,736,915) | USD $2,700,000 (SGD 2,187,226) | USD $5,000,000 (SGD 6,433,020) |
| Type of Room | Private | Private | Private |
| Inpatient / Day-Care | ✓ | ✓ | ✓ |
| Oncology | ✓ | ✓ | ✓ |
| Medical Evacuation | ✓ | ✓ | ✓ |
| Nursing at Home | USD $2,025 (SGD2,605) | USD $3,375 (SGD 4,342) | USD $5,740 (SGD 7,385) |
| Rehabilitation Treatment | USD $4,050 (SGD 5,210) | USD $10,125 (SGD13,025) | Full coverage for a maximum of 90 days |
| Preventive Surgery | ✗ | USD $20,250 (SGD26,051) | USD $40,500 (SGD 52,102) |
| Laser Eye Treatment | ✗ | ✗ | USD $1,350 (SGD 1,736) |
| Emergency Out-Patient Treatment | USD $338 (SGD 435) | USD $1,015 (SGD 1,305) | USD $2,025 (SGD 2,605) |
| Emergency Out-Patient Dental Treatment | USD $820 (SGD 1,054) | Paid in full | Paid in full |
April International: Flexible Expat Medical Plans in Singapore
April International offers a wide selection of tiers for its international health insurance plan, each with different coverage limits to suit expats’ needs and requirements in Singapore. All the tiers in April International’s international health insurance policies cover medical repatriation.
The five tiers available in April International’s international health insurance plans include:
- Emergency
- Formule Basic
- Essential
- Comfort
- Premium
Whilst the Emergency plan only covers accidents and emergencies, the other four plans provide coverage for hospitalization, cancer care, dental, and vision. The coverage depends on the tier, with Formule Basic offering the most basic coverage and Premium being the most comprehensive.
Below is a table of comparison showing each tier’s annual benefit limit:
| April International Insurance Plan Details (USD/SGD) | |
| Emergency | USD $268,488 (SGD 345,394) |
| Formule Basic | USD $536,976 (SGD 690,774) |
| Essential | USD $1,073,952 (SGD 1,381,548) |
| Comfort | Unlimited |
| Premium | Unlimited |
Cigna Global: Worldwide Medical Protection for Expats in Singapore
Cigna Global is a renowned insurance provider providing policies in over 200 markets and territories around the world. The four core international health insurance plans Cigna Global offers include Silver, Gold, Platinum, and Close Care.
Among the four core international health insurance plans, the Close Care plan acts more like a local plan and only provides coverage in your country of residence and home country. As such, the benefits and annual limit are not as extensive as the other plans offered.
| Cigna Health International Health Insurance Plan Details (USD/SGD) | ||||
| Coverage Benefits | Silver | Gold | Platinum | Close Care |
| Annual Limit Amount | USD $1,000,000 (SGD 1,286,388) | USD $2,000,000 (SGD 2,572,777) | Unlimited | USD $500,000 (SGD 643,194) |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence and origin |
| Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
| Hospital Accommodation for Parent or Guardian | USD $1,000 (SGD 1,286) | USD $1,000 (SGD 1,286) | Paid in full | Not covered |
| Pandemics, Epidemics, and Outbreaks of Infectious Diseases | Paid in full | Paid in full | Paid in full | Paid in full |
| Inpatient Cash Benefit | USD $100 (SGD 128) | USD $100 (SGD 128) | USD $100 (SGD 128) | USD $100 (SGD 128) |
| Accident and ER Treatment | USD $500 (SGD 643) | USD $1,000 (SGD 1,286) | USD $1,200 (SGD 1,543) | Not covered |
| Transplant Services | Paid in full | Paid in full | Paid in full | Not covered |
| Advanced Medical Imaging | USD $10,000 (SGD 12,864) | USD $15,000 (SGD 19,296) | Paid in full | USD $2,500 (SGD 3,215) |
| Rehabilitation | USD $5,000 (SGD 6,431) | USD $10,000 (SGD12,863) | Paid in full | USD $2,000 (SGD 2,572) |
| Home Nursing | USD $2,500 (SGD 3,215) | USD $5,000 (SGD 6,431) | Paid in full | Not covered |
| Acupuncture and Chinese Medicine | USD $1,500 (SGD 1,929) | USD $2,500 (SGD 3,215) | Paid in full | USD $2,000 (SGD 2,572) for physiotherapy and complementary therapies |
| Palliative Care | USD $35,000 (SGD 45,016) | USD $60,000 (SGD 77,171) | Paid in full | USD $2,500 (SGD 3,215) for hospice and palliative care |
| Prosthetic Devices | Paid in full | Paid in full | Paid in full | Internal devices are paid in full; external devices are up to USD $2,500 (SGD 3,215) |
| Ambulance Services | Paid in full | Paid in full | Paid in full | Paid in full (road only) |
| Treatment for Obesity | Not covered | 70% refund up to USD $20,000 (SGD 25,723) | 80% refund up to USD $25,000 (SGD 32,153) | Not covered |
| Congenital Conditions | USD $5,000 (SGD 6,430) | USD $20,000 (SGD 25,723) | USD $39,000 (SGD 50,161) | Not covered |
| Out-of-Area Emergency Hospitalization | USD $100,000 (SGD 128,619) | USD $250,000 (321,548) | Paid in full | USD $40,000 (SGD 51,447) for temporary trips out of the country |
Henner: Global Network and Direct Billing Benefits in Singapore
Henner is an industry leader in the French market offering expats around the world innovative international private medical insurance solutions. Expats in Singapore will benefit greatly from their first-class network of 1, healthcare partners in 185 countries.
What makes Henner shine among other insurance companies is their unique contract with healthcare providers for direct settlement and negotiated tariff agreements for routine and hospital services. Henner’s medical provider network includes local:
- Hospitals
- Clinics
- Care or testing centers
- Specialist and general practitioners
- Imaging centers
- Laboratories
- Pharmacies
- And more
HSBC Life: International Healthcare Plans for Singapore Expats
HSBC Life, formerly AXA Singapore, offers five main international health insurance plans for expats in Singapore: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. What makes HSBC Life great for expats is the 24/7 personal support, easy online access, and virtual doctor services.
HSBC Life offers expats in Singapore a variety of comprehensive health insurance and international health insurance plans, including:
- HSBC Life Shield
- Prime Care
- SmartCare Exclusive
- SmartCare Optimum Enhanced
- International Exclusive
- GlobalCare Health
IMG Global: Affordable International Insurance Options in Singapore
IMG Global Health’s international health insurance is offered through a global medical plan with four coverage tiers: Bronze, Silver, Gold, and Platinum. Lifetime limits vary by tier:
- Bronze: USD $1,000,000 (SGD 1,286,175)
- Silver: USD $5,000,000 (SGD 6,430,876)
- Gold: USD $5,000,000 (SGD 6,430,876)
- Platinum: USD $8,000,000 (SGD10,289,405)
All IMG Global plans carry a nonrenewable lifetime limit, which helps keep premiums more affordable compared to other insurers. However, expats planning long-term relocation may wish to consider whether this structure meets their sustainability needs.
The benefits are comprehensive, covering inpatient care, prescriptions, cancer treatment, and medical emergencies. Optional riders such as dental, vision, maternity, and sports coverage can be added depending on the chosen plan level.
Here’s a comparison of the core benefits provided by IMG’s international health insurance of different tiers:
| IMG International Health Insurance Plan Details (USD/SGD) | ||||
| Benefits Coverage | Bronze | Silver | Gold | Platinum |
| Physician Visits | ✓ | ✓ | ✓ | ✓ |
| Hospitalization Room/Board | ✓ | USD $600 (SGD 771) per day; 240 days max | ✓ | ✓ |
| Surgery | ✓ | ✓ | ✓ | ✓ |
| Labs & X- Rays | ✓ | ✓ | ✓ | ✓ |
| Physical Therapy | ✓ | ✓ | USD $50 (SGD 64) Maximum limit per visit | USD $50 (SGD 64) Maximum limit per visit |
| Outpatient Surgery | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
Sompo: Trusted Local & Global Health Coverage for Expats in Singapore
Sompo Insurance Singapore offers plans for both local and international needs. Their plans cover a range of inpatient and outpatient care with additional benefits including ambulance fee coverage and hospitalization allowances.
Sompo has been providing premium insurance products in Singapore since 1989. With a high client servicing and claims processing standard, Sompo offers expats in Singapore a quick and efficient client experience.
With all Sompo plans, you will have access to the 24/7 self-help services, including Quote & Apply, Claims, Renewal, and more. All policy and claims-related assistance can also be reached through their customer service hotline or online via email.
Raffles Health International: Custom Plans for Expats in Singapore
Raffles Health International (RHI) is a major healthcare specialist in Singapore, offering a wide selection of international health insurance plans and local plans for expats in the Lion City.
RHI leverages the international infrastructure and expertise of BUPA International to provide comprehensive healthcare financing solutions to expats and frequent travelers.
Benefits of choosing Raffles Health International:
- 24/7 helpline for all your needs, such as appointment booking, claims, and treatment inquiries
- Customizable plans that can be tailored to meet your needs, whatever stage you may be in life
- 100% ownership by Raffles Medical Group, which means that you can enjoy access to a broad and integrated network of healthcare facilities
William Russell: Personalized Global Health Plans for Expats in Singapore
William Russell insurance is known for providing comprehensive and customizable international health insurance. Their international health insurance plans are available in four tiers: Bronze, Silver Lite, Silver, and Gold.
From inpatient and outpatient treatments to wellness and maternity benefits, William Russell’s international health insurance will have coverage for all these expenses up to the policy limit. Below are the core insurance coverage for the four tiers:
William Russell International Health Insurance Plan Details (USD/SGD)
| Benefits Coverage | Bronze | Silver Lite | Silver | Gold |
| Annual Benefit Limit | USD $1,500,000 (SGD 1,929,280) | USD $1,500,000 (SGD 1,929,280) | USD $2,500,000 (SGD 3,215,466) | USD $5,000,000 (SGD 6,430,933) |
| Hospital Treatments | ✓ | ✓ | ✓ | ✓ |
| Advanced Diagnostic Tests | ✓ | ✓ | ✓ | ✓ |
| Emergency Medical Evacuation | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
| Lifetime Limit for Mental Health Treatment | USD $50,000 (SGD 64,309) | ✗ | USD $75,000 (SGD 96,462) | USD $100,000 (SGD 128,616) |
Frequently Asked Questions
Who are the top insurance providers in Singapore for expats?
Leading international insurers in Singapore are AIA, Allianz Care, April International, Cigna, Henner, HSBC Life, IMG Global, Sompo, Raffles Health International, and William Russell. These providers are popular among expats for their global support, flexible benefits, and strong hospital networks.
How do I choose the right insurance provider in Singapore?
The right insurer depends on your budget, coverage needs, and length of stay. Compare local vs. international plans, check hospital networks, and review exclusions. Many expats use brokers like Pacific Prime to simplify comparisons and access exclusive deals.
Do expats need private health insurance in Singapore?
Expats are not covered under Singapore’s MediShield Life scheme, which applies only to citizens and permanent residents. Without private insurance, medical costs can be high. Even with employer-provided coverage, it’s vital to check if limits and benefits meet your personal needs.
Conclusion
Singapore ranks amongst the top most expensive countries in terms of healthcare costs. Whilst locals may benefit from government subsidies and initiatives, expats may not be able to benefit from them. Having a health insurance plan is recommended for expats in Singapore.
You can also check our guide on the top 10 international health insurance providers if you are interested in securing an international health insurance plan and need information on some of the best providers.
If you want to secure an international health insurance plan to protect yourself from unexpected medical expenses, Pacific Prime can help you. With over two decades of experience, our expert advisors can help find a comprehensive plan that suits your needs and requirements.
Contact us today for a free plan comparison and an obligation-free quote!
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.
- UAE Medical Insurance Prices for Expats - June 5, 2026
- How Canadians Can Find Jobs in Dubai - May 25, 2026
- Health Insurance for UK Expats Living Abroad - May 12, 2026
Comments
Comments are disabled for this post
We'll notify you
when our team replies!