Medical insurance for expats protects you from financial risk. Depending on the policy you select, it will cover the cost of hospitalization, including room and board, surgery, diagnostics/tests, and consultations plus maternity, prenatal, delivery, post-natal and newborn coverage. 

This insurance also covers outpatient costs, such as GPs (general practice doctors), specialists, dental, and accident and emergency treatments. Although medical care in Singapore is first class, the cost of care is much higher than in most countries and is borne either by you or your insurance company, with no government assistance for foreigners. Examples of costs include stomach flu: $5,000, pregnancy and delivery: $14,000, heart/kidney/liver surgeries: $30,000-$200,000, and dental crowns: $2,000.

Should I Consider Topping-Up An Existing Employee Benefits Programme?

Although many employers provide company medical benefits, these plans often have low limits of coverage. Employer plans typically have caps on critical illness and cancer, and offer low hospital and surgical limits. In addition, they often provide no maternity or dental cover and require visits to panel clinics, restricting choice. Expat Insurance recommends you get your medical insurance and employee benefits schedule professionally reviewed to make sure you fully understand the level of protection you have for you and your family.


Having evaluated the numerous products available in the Singapore market, Expat Insurance has identified those that offer the broadest coverage, catering to the unique needs of expatriates.

*Please note that the information above is for illustrative purposes only. Actual insurance coverage, limits, exclusions, costs etc. may vary depending on selected insurer or benefits required.

Don’t wait until it’s too late. Make sure you and your family are adequately protected. For free advice on your medical, home, or travel insurance you can contact Expat Insurance.

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