Best 10 Expat Health Insurance Providers in Singapore
If you’re an expat relocating to Singapore, securing a comprehensive health insurance policy is crucial due to the high healthcare costs in the city. The top health insurance providers for expats in Singapore include AIA, Allianz Care, April International, Cigna, Henner, HSBC Life, IMG Global, Sompo, Raffles Health International, and William Russell. These insurers offer flexible and comprehensive plans that cater specifically to expat needs.
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To make your decision easier, the best option depends on your specific coverage requirements. AIA provides comprehensive coverage with wellness initiatives, while Allianz offers tiered plans with different levels of coverage. April International allows flexibility through various plan tiers, and Cigna provides worldwide coverage with several plan options. These companies are known for offering reliable and customizable health insurance plans for expats in Singapore.
Overview: Top Health Insurance for Expats 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 Health Insurance: Customized Coverage for Expats
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: Comprehensive Plans for Expats
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 in Singapore. Allianz Care’s international health insurance plan is available in three different tiers: Care, Care Plus, and Care Pro.
Here is a comparison between the three different tiers available in Allianz Care’s International health insurance plan:
|
Allianz Care Expat Health Insurance Plans Comparison |
|||
|
Benefits Coverage |
Care Plan | Care Plus Plan |
Care Pro Plan |
| Maximum Plan Limit | USD $2,500,000 | USD $4,000,000 | USD $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care |
✓ |
✓ |
✓ |
| Oncology |
✓ |
✓ |
✓ |
| Medical Evacuation |
✓ |
✓ |
✓ |
| Nursing at Home | USD $2,025 | USD $3,375 | USD $5,740 |
| Rehabilitation Treatment | USD $2,700 | USD $3,375 | USD $5,970 |
| Preventive Surgery |
✗ |
✗ |
USD $40,500 |
| Laser Eye Treatment |
✗ |
✗ |
USD $1,350 |
| Emergency Out-Patient Treatment | USD $338 | USD $1,015 | USD $1,015 |
| Emergency Out-Patient Dental Treatment |
✗ |
USD $400 | USD $1,015 |
April International: Flexible Health Plans in Singapore
April International offers a wide selection of tiers for their 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 Plan
- Formule Basic
- Essential Plan
- Comfort
- Premium Plan
Whilst the Emergency Plan only covers accidents and emergencies, the other four plans provide coverage for Hospitalization, Cancer Care, and Dental & Vision. The coverage depends on the tier, with Formule Basic offering the most basic coverage to the Premium Plan being the most comprehensive.
Below is a table of comparison showing each tier’s annual benefit limit:
|
April International MyHealth International Annual Benefit Limits by Tier |
|
| Emergency Plan | USD $268,488 (€ 250,000) |
| Formule Basic | USD $536,976 (€ 500,000) |
| Essential Plan | USD $1,073,952 (€ 1,000,000) |
| Comfort | Unlimited |
| Premium Plan | Unlimited |
Cigna Global: Worldwide Coverage Options for Expats
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. As such, the benefits and annual limit is not as comprehensive as the other plans offered.
Cigna Global International Health Insurance Plans table of benefits:
|
Cigna Health Insurance Plans: Standard Medical Benefits (USD) |
||||
|
Coverage Benefits |
Silver | Gold | Platinum |
Close Care |
| Annual Limit Amount | USD $1,000,000 | USD $2,000,000 | Unlimited | USD $500,000 |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence |
| 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 | USD $1,000 | 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 | USD $100 | USD $100 | USD $100 |
| Accident and ER Treatment | USD $500 | USD $1,000 | USD $1,200 | Not Covered |
| Transplant Services | Paid in full | Paid in full | Paid in full | Not Covered |
| Advanced Medical Imaging | $10,000 | $15,000 | Paid in full | USD $2,500 |
| Rehabilitation | USD $5,000 | USD $10,000 | Paid in full | USD $2,000 |
| Home Nursing | USD $2,500 | USD $5,000 | Paid in full | Not Covered |
| Acupuncture and Chinese Medicine | USD $1,500 | USD $2,500 | Paid in full | USD $2,000 for physiotherapy and complementary therapies |
| Palliative Care | USD $35,000 | USD $60,000 | Paid in full | USD $2,500 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 $2,500 |
| 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 | 80% refund up to USD $25,000 | Not Covered |
| Congenital Conditions | USD $5,000 | USD $20,000 | USD $39,000 | Not Covered |
| Out-of-Area Emergency Hospitalization | USD $100,000 | USD $250,000 | Paid in full | USD $40,000 (for temporary trips out of the country) |
Henner: Extensive Medical Network for Expats
Henner is an industry leader in the french market offering expats around the world with innovative international private medical insurance solutions. Expats in Singapore will benefit greatly from their first-class network of 1.8 million healthcare partners in 185 countries.
What makes Henner shine from 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 Health Solutions for Singapore Expats
HSBC Life, formerly AXA Singapore, offers five main international health insurance plans for expats in Singapore: Foundation, Standard, Comprehensive, Prestise, 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
- InternationalExclusive
- GlobalCare Health Plan
IMG Global: Cost-Effective Health Insurance Plans
IMG Global Health’s international health insurance plan is available in four different categories of coverage: Bronze, Silver, Gold, and Platinum. Lifetime limits vary across these plans, with a maximum limit of up to USD $8,000,000 per individual.
All IMG Global international health insurance plans have a non-renewable lifetime limit. As such, the premium is more affordable than other insurance companies; those looking to relocate should consider a more sustainable plan.
The benefits provided by IMG are comprehensive, with coverage for inpatient, prescription coverage, cancer treatment, and medical emergencies. You can also opt to add riders such as dental, vision, maternity, and even sports coverage depending on your plan level.
Here’s a comparison of the core benefits provided by IMG’s international health insurance of different tiers:
|
IMG Health Insurance Plans Benefits Comparison |
||||
|
Benefits Coverage |
Bronze | Silver | Gold |
Platinum |
| Physician Visits |
✓ |
✓ | ✓ |
✓ |
| Hospitalization room/board |
✓ |
USD $600 per day; 240 days max | ✓ |
✓ |
| Surgery |
✓ |
✓ | ✓ |
✓ |
| Labs & X-rays |
✓ |
✓ | ✓ |
✓ |
| Physical therapy |
✓ |
✓ | USD $50 Maximum limit per visit |
USD $50 Maximum limit per visit |
| Outpatient Surgery |
✓ |
✓ | ✓ |
✓ |
| Cancer Treatment |
✓ |
✓ | ✓ |
✓ |
Sompo Insurance: Reliable Local and International Coverage
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: Tailored Health Plans for Expats
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.
- RHI is 100% owned by Raffles Medical Group, which means that you can enjoy access to a broad and integrated network of healthcare facilities.
William Russell: Comprehensive and Customizable Plans
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:
|
Benefits Coverage |
Bronze | Silver Lite | Silver |
Gold |
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Treatments |
✓ |
✓ | ✓ |
✓ |
| Advanced Diagnostic Tests |
✓ |
✓ | ✓ |
✓ |
| Emergency Medical Evacuation |
✓ |
✓ | ✓ |
✓ |
| Cancer Treatment |
✓ |
✓ | ✓ |
✓ |
| Lifetime Limit for Mental Health Treatment |
US $50,000 |
✗ | US $75,000 |
US $100,000 |
Frequently Asked Questions
Who are the top insurance providers in Singapore?
The top insurance companies in Singapore include industry titans such as Allianz, April International, Cigna, GeoBlue, HSBC Life, IMG Global, NOW Health, Pacific Cross, Raffles Health International, and William Russel.
How do I choose the right insurance provider in Singapore?
The best insurer for you will be the one that satisfies your requirements. To find the right insurer for you, conduct thorough research or also employ the help of insurance brokers such as Pacific Prime who can leverage their experience and partnerships to find the best plan for you.
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!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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