Below you have an example of the type of insurance comparison you will receive after filling out the form.
Insurance comparison
€ 5235
€ 3635
€ 3235
$ / 1.000.000
$ / 500.000
$ / 750.000
$ / 100 per night
$ / 75 per night
$ / 300 per night
Full refund
Full refund
Full refund
$ / 1.000.000
$ / 500.000
$ / 750.000
Full refund
Full refund
Full refund
Fill out the form below and one of our representatives will get in touch with you as soon as possible to help you find the best expat health insurance plan in Singapore.
Health Insurance Expert
Insurance plans are accessible only to Singaporean citizens and permanent residents.
Advanced technology, skilled professionals, and a wide range of services.
MediShieldLife is an mandatory insurance plan for all citizens and permanent residents. It covers hospitalization.
MediSave covers out-of-pocket expenses and deductibles for healthcare costs.
MediFund covers all outstanding medical payments in the public sector.
An expat private health insurance is absolutely necessary!
Probably the best health care system in Asia.
Shorter waiting times.
Personalized care.
More expensive.
Western standards.
Without an expat health insurance, you won’t be able to access hospitals, clinics, or emergency services. Unless you pay upfront.
Health Insurance Expert
This is the basic framework of your insurance.
When to start the insurance, and for how long (minimum 12 months).
Who is covered: only you / you and your partner / your entire family.
If you or a family member has a chronic condition, it's essential to ensure that your insurance plan covers it.
Are you planning to have non-urgent medical treatments, such as cosmetic surgery, orthopedic procedures, cataract surgery, or getting braces?
Check in advance.
Less likely, as the health system in Singapore is among the best in Asia.
Don't hesitate to ask us for the specifics!
The policy may be active for a year, extendable beyond that, or even available with no expiration date. No worries regarding the local language, as English is one of Singapore’s official languages. The other official languages are Chinese, Malay and Tamil.
Health Insurance Expert
Mandatory Health Insurance: It’s advisable for foreign workers in Singapore to have health insurance. This can be through their employer or private health insurance plans.
Without an expat health insurance, you won’t be able to access hospitals, clinics, or emergency services. Unless you pay upfront.
Reimbursement and Direct Billing: Private hospitals and clinics may require payment upfront, followed by reimbursement from the insurance provider. However, some international hospitals may offer direct billing services.
Vaccinations: Singapore does not require visitors to have certain vaccinations.
Emergency Evacuation: Very important. Less likely, as the health system in Singapore is among the best in Asia.
Understand the steps for renewing your policy, as well as the claims process and the necessary paperwork for getting reimbursed. Being informed can help you avoid any complications.
EXPATMEDICARE provides an Expats Health Insurance Comparator for Expats in Singapore. There you can request a quote for expat insurance for you and your family. Moreover, you can find more details regarding the public and the private medical systems. Here are some details:
Singapore established the “3M” system a few years back, forming the foundation of the nation’s health care system. The acronym 3M represents Medishield Life, MediSave, and Medifund, supplemented by private insurance, making it a complex arrangement for expatriates to comprehend. Moreover, this mandatory scheme is limited to Singaporean citizens and permanent residents (with a permanent visa, work permit, or S Pass).
Medishield Life is mandatory and inclusive of all existing medical conditions, though it imposes a 30% premium increase for the first 10 years in the case of ALD (long-term disease), with no age restrictions.
Its primary aim is to cover high-cost treatments, such as hospitalization and major illnesses (including cancer, dialysis, transplants, and psychiatric care). However, it does not include coverage for routine medical expenses (outpatient services), vision, dental, or maternity care.
To access this insurance, policyholders must contribute based on their income and age bracket, along with a deductible (ranging from 1,000 SGD to 3,000 SGD per person), co-insurance (from 3% to 10%), co-payments (fixed amounts), and any excess charges.
The annual coverage limit is set at 100,000 SGD per person, which is considered low for Singapore. This “participatory” system is designed to encourage responsibility among policyholders.
Additionally, subsidy rates vary: for example, in a C-class ward, high-income individuals receive up to 65% subsidy, while those with lower incomes can claim up to 80%.
MediSave is designed to complement MediShield Life coverage. Each member possesses an account funded through mandatory contributions automatically taken from their wages, ranging from 8% to 10%.
Administered by the Central Provident Fund (CPF), this system helps pay for out-of-pocket expenses and deductibles for medical services not included under MediShield Life. It also extends to cover the insured’s family members. However, it is important to note that it does not cover regular medical expenses, but only those related to hospitalization or maternity.
This fund is designated solely for the most impoverished individuals and does not cover any health expenses incurred within the private sector.
Health Insurance Expert
Healthcare is far from free in Singapore, even with the establishment of a universal coverage system, but this is only available to citizens and permanent residents. The country has long relied on reasonable and responsible consumption of health by including contributions and deductibles that can be high.
For permanent non-resident expatriates or with an employment pass, self-employed or spouses without activity, it will not be possible to count on local social security, despite very high prices. Be careful, however, if you are eligible for the local “MediShield” health system, only coverage of your hospitalization costs and certain health costs (such as dialysis, cancer, transplantation) is provided. Other costs such as dental, maternity, doctor or pharmacy costs will be your responsibility, so it is necessary to take out insurance to be reimbursed to a good extent.
There are many private clinics where the prices are very high but generally a consultation with a general practitioner will cost you on average 50 SGD in the public and 100 SGD in the private.
For an appointment with a specialist it will be on average between 80 SDG in the public and 150 SGD.
Things get more complicated, however, in the event of examinations, more complex treatments or hospitalization, especially for expatriates who do not have access to the state-subsidized price. The prices are then free and can be very high. High-end expatriate insurance is therefore essential. An expats health insurances in Singapore is highly recommended.
Here is an idea of the prices charged at Raffles Hospital, a top-of-the-range establishment: 1 day of hospitalization in a classic private room (A room) costs 668 SGD, a Suite will cost between 919 SDG and 5,888 SDG.
The private room (A) will cost 480 SGD per day (930 SGD in intensive care), while a 5-bed room (B) will cost from 83 SGD to 295 SGD (or 218 SGD to 930 SGD in intensive care).
728 SGD for a single room, 340 SGD for a semi-private room (with 2 beds), or 276 SGD for a 4-bed room. You will have access to a private suite from 1,238 SGD, depending on the state of your finances.
Between 600 SGD and 1,100SGD on average. An implant with a crown will cost between 3,100 SGD and 5,300 SGD.
Expats health insurance in Singapore, called also 1st € or $ insurance, can therefore be easier to use for a foreigner, they can cover more important guarantees than local insurance such as everyday medicine, maternity, optics or dental, and often has much more competitive prices.There are also for the French and recently for Europeans and members of the EEA solutions in addition to the CFE
More information in this article.
The CFE will cover your expenses incurred in Singapore, but it will only be a first basis for reimbursement, which will reimburse according to the % of reimbursements provided for zone 4 (CFE).
In the context of hospitalization, it will only take 31% of the bill in charge, for your pharmacy bills it will be 45%. For a medical consultation, she will reimburse the lump sum of €17.50.
This is why a complementary CFE is essential to access optimal reimbursements. Complementary reimburse the pro rata between the reimbursement of the CFE and the total price of the care.
This solution is one of the best value for money available on the market, as well as one of the most stable solutions. The CFE can take care of you without a health questionnaire and without age limit.
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