Dental, vision and screening are generally not covered, except for accidental inpatient dental treatment. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. Yes, there will be a deductible unless you buy an add-on that covers this. On the other hand, please note that there are some limitations. With AXA’s Expat Health Insurance, foreigners will no longer have to worry about paying for basic medical services such as physical check ups, dental treatments, and hospitalisation. Whether you're looking for medical, outpatient or maternity coverage, we'll help you discover the right health insurance plan to cater to your healthcare need. © 2009-2020 MoneySmart. Foreigners should opt for the highest private healthcare tier, which is still relatively affordable. Either way, having health insurance is essential, even for locals. Only valid when you are a legal resident of Singapore. at private hospitals, Full coverage for MediShield-approved surgeries, including day surgeries, Coverage for pre-hospitalisation treatments up to 100 days prior to hospitalisation if you visited a non-NTUC panel clinic or doctor; up to 180 days pre-hospitalisation if you visited a NTUC panel clinic, Post-hospitalisation coverage up to 100 after discharge if you are visiting a non-NTUC panel clinic or doctor; up to 365 post-discharge if you are visiting a NTUC panel clinic, Coverage for 90 days of community hospital stay if you were referred by your doctor for admission immediately after your discharge from the hospital, Full coverage for outpatient chemotherapy, radiotherapy, and immunotherapy for cancer, Full coverage for renal dialysis, erythropoietin for chronic renal failure, drugs approved for organ transplant, and long-term parenteral nutrition, Other benefits include post-mastectomy breast reconstruction, congenital abnormalities, pregnancy and delivery-related complications, organ transplant or donation, cell, tissue, and gene therapy, bone marrow transplant, and prosthesis, Emergency overseas treatment you received will be covered up to the equivalent of the treatments’ prices in private hospitals in Singapore, All full coverage listed under “As Charged” will be subject to a 10% co-insurance cash payment for every hospitalisation or treatment bill, annual deductibles for wards, and pro-ration (if necessary). If you’re a foreigner on a work permit or S-pass, your employer must provide you with health insurance of at least S$15,000 a year. Foreigners who are neither Singaporean citizens nor Permanent Residents (PRs) can apply for the Great Eastern SupremeHealth P Plus for private hospitals coverage, If you were previously a Singaporean citizen or Permanent Resident (PR) holding a Great Eastern Supreme Health A Plus, B Plus, or Standard policy, but had to change your citizenship, you can still hold on to your policy but will be subjected to Foreigners’ pro-ration factors, Great Eastern HealthConnect: phone or email medical concierge service you can utilise to book medical consultation appointments with Great Eastern panel doctors, clinics, and hospitals, Full aka “As Charged” coverage for your hospitalisation ward, board, Intensive Care Unit (ICU), short stay wards in public hospitals, and community hospital, Pre-hospitalisation coverage for specialists’ consultations within 120 days prior to your hospital admission, Post-hospitalisation coverage for referred treatments within 365 days after your hospital discharge. But most policies seemed to have a million different benefits that I wouldn’t use. Here’s a summary of the key differences between the local (Integrated Shield) and international health insurance options that an expat has. Click here to get an instant online quote in few simple steps. Overseas Study Protection Plan Home Insurance Domestic Helper Insurance i50 Insurance. It caters to the medical needs of expats with families and students living abroad, providing them with dependable insurance with comprehensive coverage. Searching for the right insurance company isn’t going to be easy. On the other hand, many international insurance providers will allow you to enjoy coverage should you move to a different country, although you should take care to notify them ahead of time. All Singaporeans and Permanent Residents in Singapore have government-provided basic health insurance, called MediShield Life. Your health – covered. Annual premiums range from about $2,000 to $4,000 for a no-frills international health insurance plan. The AXA SmartCare Optimum Enhanced is one example of a health insurance plan that is able to provide you with the long-term healthcare coverage that you need to live in Singapore. Limited overseas coverage: Integrated Shield plans do let you make claims for hospitalisation costs incurred abroad, but only in emergencies and subject to limits. You can get personalised international health insurance quotes through MoneySmart from both local and global providers like Cigna, Liberty, FWD, AXA and MSIG. You generally only receive payouts if you are hospitalised, in which case you will also be able to claim for outpatient treatment prior to and after hospitalisation. The area of coverage depends on your plan, but many will protect you in one or several regions, and some offer worldwide coverage. Liked this article? Another downside of Integrated Shield plans is that there is always a co-payment portion that you can’t avoid, although you can buy a rider to try to reduce it as much as possible. User friendly Easy Claim app for all services. So, if you’re frequently absent from Singapore for long stretches or prefer to seek treatment in your home country, you’ll be better protected with international health insurance. Private healthcare, on the other hand, is very good and you can usually see a doctor on very short notice. So, if you’re frequently absent from Singapore for long stretches or prefer to seek treatment in your home country, you’ll be better protected with international health insurance. Not only was she friendly, patient, she was also emphatic with the frustrating issues I had with the doctor whom I had consulted. If you're looking for health insurance integrated shield plans, there are a total of 7 insurance providers and plans to choose from: 1. These plans are meant to be used by those residing in Singapore. You are not covered by health insurance. Add-ons are usually available for dental, vision and screening. Not covered unless medically underwritten. It’s a good thing that there are a few insurance providers that offer the best health insurance in Singapore for foreigners. Now International Health operates in a number of countries across different continents, including Asia. Responsive even during the weekend when I had enquiries. It also covers laboratory tests, transportation in an ambulance, and even repatriation efforts under a worst-case scenario. International health insurance tends to be more fuss-free as you can usually get coverage for your family at the same time. Immigrants to the USA : To obtain an immigration visa, foreigners must prove they will be covered by “approved health insurance,” such as a family or employment-based policy, within 30 days of entering the United States, unless they are affluent enough to cover their “reasonably foreseeable medical costs.” Of course, there’s also your employer’s group insurance plan and your existing health insurance policy back home. Foreigners Health Insurance. With a rider, your annual health insurance premium will cost about $1,000 to $1,200. Like all Integrated Shield plans, it comes in several tiers depending on whether you seek public or private healthcare. After all, you’ve heard about how Singapore is safe, modern, cosmopolitan, and has a high standard of healthcare. Meanwhile, many Integrated Shield plans will offer you some form of coverage for emergency overseas treatment, and for short trips you’ll probably have travel insurance coverage anyway. They do not include outpatient treatment, dental treatment, yearly eye checkups or maternity cover. Knowing that you have the back of some of the best insurers in Singapore just makes your trip worry-free and more enjoyable. You have to consider the benefits and privileges offered by each company and compare them to each other. As a result most immigrants or foreigners purchase international health insurance themselves. Aviva's Health Insurance plans provide comprehensive protection for you and your family while helping you manage rising healthcare costs. Many pregnancy complications are usually covered by basic plans. But, unfortunately, ... One of them is health insurance. This kind of plan offers more coverage options and better benefits than a local health plan. Getting international health insurance quote is made easy with FWD Singapore. She even went out of her way, assuring me that she understood my problems by sharing her personal experiences. As an expat in Singapore, you should consider buying health insurance if you find yourself in one of the following situations: Here’s a guide to the health insurance options in Singapore for foreigners. I would thoroughly recommend them to anyone seeking international health insurance.”, “I’m really happy with my insurance policy from Now Health. All financial products and services are presented without warranty. Consider an Integrated Shield plan if you: Below are a few Integrated Shield plans we recommend. Are on a budget and looking for affordable health insurance, Don’t mind paying a deductible in cash (at least 5% of your hospital bill) when you claim, Don’t require health insurance coverage outside of Singapore, Only need hospitalisation coverage and can skip outpatient, dental, maternity etc. You can usually opt for the deductible you want, or pay a higher premium to avoid having to pay any deductible. A root canal for example can cost around $2,900 5.And if you were thinking of starting a family, maternity costs for delivery alone have been known to reach $10,000 3 in a private hospital. Aviva MyShield 3. The Expat’s Guide to Personal Finance in Singapore. AIA HealthShield Gold Max is an Integrated Shield plan we recommend for its highest-in-market medical coverage  at a surprisingly low cost. Some content may be compensated through third-party advertisers. PRUShield is also available for foreigners, as a private health insurance plan. You get a generous annual claim limit of $2 million a year and lengthy pre- and post-hospitalisation coverage of 13 months. Integrated Shield plans: These are plans from local insurance providers aimed at a local clientele. One of the biggest advantages of this plan is that you enjoy unlimited claims in certain categories, including hospitalisation and surgery. Among the inclusions that clients may choose from are international outpatient, international medical evacuation, international health & wellbeing, and dental and vision. Find out more. Many insurers can pay your healthcare provider directly. Effective 1 March 2021, the benefits for MediShield Life (MSHL) will be enhanced. Many foreigners obviously find the living and working conditions of Singapore attractive. So yes, as an expat, you are eligible to buy an Integrated Shield plan so long as you have a valid visa. However, do expect to pay significantly more than an Integrated Shield plan. Get quotes from these major providers to find the best health insurance for you and your family. Bolster that with strong customer focus, empathy and a good listening ear to understand the unique needs of his customers is godsend. Hospitalisation coverage only: Integrated Shield plans also tend to be rather basic, covering bills arising from hospitalisation. Check out each plan below to see which one caters to your needs as a foreigner. If you’re searching for health insurance that also protects your family, then look no further than FWD’s International Health Insurance. This gives you a peace of mind, knowing that you can enjoy living in Singapore without having to worry about healthcare costs. Share this with fellow expats. You have dependants such as children or a non-working spouse who are not adequately covered by health insurance. Should Expats Enrol Their Child in a Local or International School in Singapore? However, you wish to expand your coverage as you feel the company-sponsored plan is inadequate. They have a modern web interface, with easy claim submission and clinic locators. If you're a foreigner on a Work Permit or S-Pass, your employer must insure you with health insurance coverage of at least S$15,000 per year right from the start of your employment. Life Insurance Health & Personal Accident Insurance Motor Insurance Travel Insurance. The details you see on our site may be different from others. That said, deductibles also apply to international health insurance plans. NTUC Income is Singapore's leading provider of Life, Health, Travel & Car Insurance as well as savings, investment and retirement plans. Generally covered provided they satisfy certain conditions. Has to be a female insured’s biological child, Offers S$60,000 coverage per organ transplant in the event you are the donor or recipient, Offers S$1,000 to S$5,000 coverage for in- and post-hospital psychiatric treatments per policy year, Includes additional coverage for COVID-19 for free. Jarett Mathew exhibits both and more! It’ll cost a lot more if you opt for add-ons and to reduce the deductible to zero. Here are the 3 main types of health insurance plans foreigners in Singapore can choose from. You are a trailing spouse who has followed your partner to Singapore, or are married to a Singaporean or PR. Here are the options we found worthy of everyone’s attention and money. If you are a Permanent Resident (PR) of Singapore and are considering the AIA HealthShield Gold Max Integrated Shield Plan (IP), you are eligible for the locals’ version of the plan and not this version which is meant for non-Singaporeans and non-PRs, Eligible Foreigners: Includes dependants and non-dependants of Singaporeans and PRs with a Valid Pass to reside in Singapore, such as spouses, parents, grandparents, and children, Pre-Hospitalisation treatments covered “As Charged” if you sought treatment at AIA panel clinics, doctors, and hospitals within 100 to 180 days prior to your hospitalisation stay, Hospitalisation stay’s daily room, board, ICU, including community hospital charges covered “As Charged”, Post-Hospitalisation treatments sought up to 13 months after hospitalisation at AIA panel hospitals, clinics, and doctors will be covered “As Charged”, Post-hospitalisation coverage of 30 critical illnesses within 100 days from your date of discharge “As Charged”, Covers all MediSave-listed surgical procedures including organ, stem cell transplants, and surgical implants “As Charged”, Covers 26 pregnancy complications, including ectopic pregnancy, eclampsia, miscarriage, haemorrhage, still birth, gestational diabetes, and more “As Charged”, Covers S$5,000 per child for any newborn congenital abnormalities. 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