Pre-existing conditions
Unless explicitly covered, these are often excluded.
International health insurance in Singapore gives expats, global professionals, and their families access to private healthcare at home and abroad. These plans are known as IPMI (international private medical insurance) and they move with you wherever you live or work.
Whether you need basic inpatient protection or full global coverage with outpatient, dental, and maternity benefits, we compare IPMI plans from leading international insurers to find the one that fits you.
Coverage that moves with you
Flexible solutions
for different life stages
Designed for long-term cost sustainability
Coverage in
multiple currencies
Opting for higher deductibles or co-payments can lower your premium.
Plans with inpatient, outpatient, dental, and maternity services are more expensive.
Older individuals typically face higher premiums due to increased health risks.
Comorbidity or pre-existing conditions may come with higher premiums or specific exclusions.
Including high-cost regions like the USA. We offer plans that exclude certain areas to reduce costs.
To ensure your policy aligns with your real needs—before you commit.
To review your options with an expert.
+
+
+
+
+
Bundle savings depend on the insurer and the policies you combine. Subject to insurer terms, eligibility and underwriting.
A: Coverage for pre-existing conditions varies by provider and plan. Some may offer coverage after a waiting period or with an additional premium, while others may exclude them entirely.
A: Maternity coverage is often optional and may require an additional premium. It’s important to check the specific terms, including waiting periods and coverage limits.
A: Coverage in the USA is typically optional due to higher healthcare costs. Including the USA in your coverage area will usually increase your premium.
A: Most providers offer online portals or mobile apps for claim submissions. Ensure you have all necessary documentation, such as medical reports and receipts.
A: Many international health insurance plans offer flexibility in choosing healthcare providers, but using in-network providers may offer cost savings.
A: Yes, in practice. Expat health insurance and international health insurance in Singapore describe the same kind of plan: private cover that is not tied to a single country’s public scheme and that follows you when you move. We say international health insurance because our clients are not only expats. They are global professionals, families on employment passes, returning Singaporeans, and people who split the year between two countries. The plan design is the same. What changes is the geographical cover, the currency you pay and claim in, and how much outpatient, dental, or maternity benefit you choose.
A: An Integrated Shield Plan sits on top of MediShield Life and is designed around Singapore hospitals and MediSave. International health insurance, which many people search for as expat medical insurance, is a private plan that can cover you across several countries and is not linked to CPF. It usually gives a wider choice of hospitals and lets you add outpatient, dental, and maternity as options. Which one suits you depends on your pass type, how long you plan to stay in Singapore, and whether you need cover when you travel or relocate. Final cover always depends on the insurer’s terms, exclusions, and underwriting.
A: Basic international health cover can start from around $500 a year. Premiums rise with age, with the level of cover you choose, and with the regions you include. Adding outpatient, dental, or maternity raises the premium, and including the USA raises it significantly. Pre-existing conditions may mean a higher premium or specific exclusions. The only accurate answer is a quote based on your age, your family, and where you need to be covered.
Get our free checklist: what your work pass really covers in Singapore, and the five questions to ask before you buy. Practical, unbiased, no sales pitch.
