Best expat health insurance quotes in Singapore

Singapore boasts a world-class healthcare system that has consistently delivered top-notch healthcare outcomes. With a comprehensive range of medical services and affordable options, the nation prioritizes the well-being of its residents. However, it’s important to note that healthcare coverage in Singapore is primarily reserved for citizens and permanent residents, and expats may need to rely on private health insurance to access these services.

Singaporean citizens and permanent residents are automatically registered for public health insurance. Singapore differs from other countries in that health insurance is optional for those not entitled to publicly-funded healthcare. This means that expats in Singapore without a permanent residence permit can choose between taking out private insurance and paying out-of-pocket healthcare costs.

It’s best to start your private health insurance policy just before you arrive in Singapore. If you have a coverage gap between your insurance at home and your new policy, this could leave you with out-of-pocket expenses in case of emergency.

Usually private health insurance policies are on an individual basis. If you want to cover a partner or family members, you can add them on when you build your policy. If you have several dependents, it’s worth shopping around for the best family plan.

When you first design a health insurance plan, you can choose what you will pay yourself and what the provider will pay. Which treatments your plan covers depends on if you’ve met your deductible, whether you have a provider network, and other factors.

Insurance premiums are based on age, medical history, level of coverage needed, and whether you include extra benefits. Since healthcare is relatively expensive in Singapore, health insurance costs will be higher than in other countries in Southeast Asia.

The claims process in Singapore varies between insurers. Some deal directly with healthcare providers and pay bills on your behalf while others require you to pay upfront and send an invoice after. If you’re concerned about having to pay upfront, look for a provider who can sort out claims directly.