Top 8 International Health Insurance Options for Expats in Singapore
Singapore’s world-class healthcare, vibrant lifestyle, and modern infrastructure make it a premier global hub for expats. Navigating health insurance options is essential for anyone relocating to or living in the Lion City to ensure seamless access to top-tier care.
This guide highlights the key benefits of international health insurance, compares best health insurance in Singapore, and details available plan tiers, coverage limits, and estimated premiums to help you choose the right policy.
The Best International Health Insurance Providers in Singapore
1. Allianz Care
Renowned for comprehensive international plans and vast global hospital networks, Allianz Care is ideal for families, frequent travelers, and professionals seeking extensive worldwide coverage, flexible solutions, and seamless claims processing.
- Care Base Coverage up to USD $1,350,000
- Care Enhanced: Coverage up to USD $2,700,000
- Care Signature: Coverage up to USD $5,000,000
- Estimated annual premiums: SGD $2,000–$5,000 depending on age and coverage level
2. Cigna Global
Cigna Global offers flexible, modular plans featuring exceptional outpatient and mental health benefits. Designed for mobile lifestyles, its broad international network ensures premium care wherever you travel.
- Silver: Coverage up to USD $1,000,000
- Gold: Coverage up to USD $2,000,000
- Platinum: Unlimited coverage
- Estimated annual premiums: SGD $2,500–$6,000 based on plan and region
3. Liberty Insurance Singapore
Leveraging deep local expertise, Liberty Insurance Singapore delivers tailored expat plans incorporating inpatient, outpatient, maternity, and mental health coverage backed by personalized customer service.
- Essential: Coverage up to SGD $2,000,000
- Extensive: Coverage up to SGD $4,000,000
- Elite: Coverage up to SGD $6,000,000
- Estimated annual premiums: SGD $1,800–$4,800 depending on benefits and age
4. April International
Focusing on holistic and preventive health, April International covers dental, maternity, and chronic conditions. It features intuitive digital tools for effortless policy management and claims.
- Essential: Coverage up to SGD $2,000,000
- Extensive: Coverage up to SGD $4,000,000
- Elite: Coverage up to SGD $6,000,000
- Estimated annual premiums: SGD $2,000–$5,500, depending on modules and deductible
5. MSIG Insurance
MSIG Insurance provides dependable, budget-friendly healthcare options for expats in Singapore. Their plans deliver robust core coverage, including inpatient, outpatient, maternity, and mental health support.
- Elite: Coverage up to SGD $900,000
- Deluxe: Coverage up to SGD $1,500,000
- Platinum: Coverage up to SGD $3,000,000
- Estimated annual premiums: SGD $1,200–$3,800 depending on age and plan tier
6. HSBC Life
HSBC Life combines health protection with financial security, integrating technology into modern international plans tailored for tech-forward expats.
- Life Treasure III: Coverage up to SGD $300,000 (with multiplier)
- Term Protector: Flexible coverage up to SGD $1,000,000+
- Estimated annual premiums: SGD $1,500–$4,500 depending on age and riders
*Note: The Life Treasure III and Term Protector plans are primarily life insurance protection plans that come with an international area of coverage, and are not necessarily international private medical insurance plans.
7. Sompo Insurance
Sompo Insurance features flexible, adaptable coverage zones and strong provider partnerships, delivering reliable protection and responsive support tailored to varying expat needs.
- MyHealth Essential: Coverage up to SGD $2,000,000
- MyHealth Extensive: Coverage up to SGD $4,000,000
- MyHealth Elite: Coverage up to SGD $6,000,000
- Estimated annual premiums: SGD $2,000–$5,000 depending on add-ons and underwriting
8. Raffles Health International
Partnering directly with premier local facilities like Raffles Health International, this provider offers customized, high-quality care designed specifically around the Singaporean healthcare ecosystem.
- Worldwide Health Options: Modular plans with customizable limits
- Typical coverage: USD $1,000,000–$3,000,000
- Estimated annual premiums: SGD $2,500–$6,500 depending on modules and region
Start Your Insurance Journey with Pacific Prime
Pacific Prime Singapore simplifies your search for international health, family, or expat coverage. Our expert team explains options clearly, compares top insurers, and customizes plans to fit your lifestyle, supporting you through application and renewal.
Contact us today for a free, no-obligation comparison!
Local Contact Information
Pacific Prime Singapore
Address: 18 Cross #09-02, 18 Cross Street, Singapore 048423
Tel: +65 6536 6173
Frequently Asked Questions
Expats should prioritize inpatient and outpatient care, emergency evacuation, specialist visits, and diagnostic tests. Comprehensive plans also cover mental health, dental, maternity, vision, and offer global portability for travel or future relocation.
Top facilities accepting global plans include Mount Elizabeth, Gleneagles, Parkway East, Farrer Park, and Raffles Medical Group. Strong international networks enable direct billing at these sites, saving you from upfront payments and reimbursement delays.
Global health insurance lets expats access top-tier care anywhere in the world. Key benefits include 24/7 multilingual support, easy digital claims, coverage for complex conditions, and seamless protection for frequent travelers, families, and relocating professionals.
At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.
In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.
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