Excellent! ROSHI has found 7 Policies that suit your criteria.

Aetna Pioneer (2500)

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On Aetna's website

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MSIG Prestige Healthcare (Deluxe Plan)

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On MSIG's website

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Now Health WorldCare (Essential)

0.0Good to Excellent
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On Now Health's website

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Cigna International Medical Insurance (Gold)

0.0Good to Excellent
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On Cigna's website

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AXA InternationalExclusive (Plan B)

0.0Good to Excellent
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On AXA's website

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Liberty MyHealth International Insurance (Essential)

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On Liberty Insurance's website

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FWD International Health Insurance

0.0Good to Excellent
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On FWD's website

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  • Intl. Health Insurance Basics

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What is International Health Insurance and how does it help me?

International Health Insurance basically provides expats of all nationalities with health cover in the case they have to undergo any medical treatments overseas. While a lot of local health insurance only provides cover for once specific country, international health insurance gives you access to a wide range of medical benefits all around the world and is especially relevant to those who travel a lot (either for work or leisure).

International Health vs travel vs local health insurance

There is sometimes overlap between the two but also a lot of key differences that you should be aware of when deciding which policy to take out for you and your family.

International Health Insurance
Generally cover hospitalisation and surgery in a specified country outside Singapore. There are optional benefits you can add on, such as optical, dental, maternity, travel, medical tests, etc.
Travel Insurance
While International Health Insurance may have some travel benefits included, a specific Travel Insurance plan is far more comprehensive and can cover a wide range of things from medical expenses incurred overseas to flight and baggage delays.
Local Health Insurance
Typically provides local cover for hospitalisation and surgery. Limited availability of additional benefits.

Best International Health Insurance in Singapore (2021)

Insurance PlanMaximum Annual Payout
Now Health WorldCare (Essential)$4,000,000Apply Now
Aetna Pioneer (2500)$3,600,000Apply Now
AXA InternationalExclusive (Plan B)$3,500,000Apply Now
FWD International Health Insurance$3,000,000Apply Now

Additional Considerations

Cheap does not always mean the best value and there are a few key things you need to consider when evaluating a policy to see if its good value:

Inpatient Benefits
Coverage for when you are hospitalised and/or require a surgical procedure. You can make some claims for other medical-related expenses during your stay, for example medication, room fees, medical tests, etc.
Outpatient Benefits
Coverage for any medical treatment you may receive outside the hospital, e.g. doctor visits, specialist consultations, therapists, etc.
Travel & Emergency
Coverage for emergency medical evacuations and repatriation which are known to be very expensive.
Dental
Coverage varies and can be specified. Common policies include dental check-ups and fillings, but can range in scope to include more complicated dental treatments if required, e.g. periodontitis, invisalign, etc.
Wellbeing and Optical
Wellbeing refers to ongoing standard screening procedures such as check-ups and pap-smears, whereas optical tends to cover eye tests and any glasses or contact lenses.
Pregnancy/Maternity
Coverage mainly includes routine pregnancy and childbirth but some insurers can also provide plans for new-born care, as well as complications and pre/post-natal check-ups. Some policies have a long waiting period (e.g. 24 months!) so it’s a good idea to take out any pregnancy/maternity-specific benefits well in advance so that you will be covered when the time comes.

Check Areas of Coverage

“International” is a big area and there are a lot of different insurers providing different levels of coverage in their International Health Plans. Common choices are “worldwide” or “worldwide (excluding US),” however, some providers have plans for coverage specifically in Asia, e.g. AXA International Exclusive.

Check for Customised Plans

Given the range and scope that can accompany international health plans, don’t think you have to buy a standard “out-of-the-box” plan. Many insurers allow for customisable plans where you can chop and change the benefits and areas of cover that you need so you can create a policy that suits you best!

Lower Your Plans Premium

Premiums can be costly! Check if your insurer will allow for higher deductibles and co-insurance as this will help to lower the price of your plan’s premium.

When Do You Need International Health Insurance?

It is common for expats living and working in Singapore to consider getting international health insurance, however this additional health insurance can also apply to Singaporeans who tend to travel abroad often for work. While expats working in Singapore are likely to have their health insurance covered by their organisation, some may want to supplement their benefits and find an international health plan that better suits their lifestyle. Likewise, local MediShield plans for Singaporean citizens and PRs don’t offer international coverage and those who have to travel often for work may want the extra peace of mind.

I already have a health insurance plan in my country of origin, do I need another one in Singapore?

Perhaps not! It all comes down to the fine print and what is contained in the detail of your original health insurance plan, i.e. does it cover you outside your country of origin? If not then you’re out of luck and it is best to source an alternative that would also covers you in Singapore.

What if I already have a corporate medical plan?

That could be enough, but again check the fine print and the level of benefits and coverage you’re entitled to; corporate plans tend to be general so you may find a few gaps missing. It’s also important to bear in mind that once you move company or retire you will no longer be covered by your former employer. A good way to go about it is to consider your corporate plan as additional coverage and take out a personal Health Insurance Plan that you know 100% will cover you for all your areas of concern.

How do I compare International Health insurance policies?

Number one is the geographical area of coverage; there’s not point in getting international insurance if it’s not relevant to your physical location! Next, you’ll want to narrow down a few main providers and do a comparison of the key benefits which are most important to you. Lastly, you want to make sure the policy is affordable so examine the deductibles and co-insurance in greater detail. Roshi can also help! On our website you can compare different plans and determine which international health insurance policy that has the best coverage level for you at the most affordable price.

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