Compare the Best International Health Insurance in Singapore

We partner with business insurance specialists to help you compare and find the best international health insurance policies.

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What is International Health Insurance?

International health insurance in Singapore provides comprehensive medical coverage for individuals who travel frequently or live outside their home country.

Tailored to meet the needs of expatriates and global citizens, this type of insurance ensures access to high-quality healthcare around the world.

It covers a range of medical services including emergency treatments, routine check-ups, and even specialised care, making it an essential safety net for those living or working abroad.

With the complexities of health systems in different countries, international health insurance offers peace of mind by ensuring that healthcare costs are covered, no matter where life takes you.

Why International Health Insurance?​


Global Healthcare Access

International health insurance ensures that no matter where you are in the world, you have access to high-quality healthcare services. This is crucial for expatriates and frequent travelers, providing peace of mind that health needs are covered globally.


Financial Security Against Rising Medical Costs

With international health insurance, you can safeguard against the high cost of medical care abroad. This insurance helps manage unforeseen expenses, ensuring that medical bills do not become a financial burden, no matter the country or treatment complexity.


Tailored Coverage

International health insurance offers customisable plans that can be tailored to match your specific health requirements and lifestyle, whether you're living abroad or traveling often. This personalisation ensures that you only pay for what you need, making it a cost-effective solution.


Hassle-Free Medical Assistance

International health insurance typically comes with support services such as 24/7 customer assistance and access to a global network of medical providers. International health insurance makes it easy to get medical help whenever it's needed, removing the stress and confusion often associated with seeking healthcare in a foreign country.


Compliance with Local Regulations

For expatriates and global citizens, international health insurance ensures compliance with the healthcare regulations of multiple countries. This is essential for avoiding legal issues related to health coverage requirements, particularly in regions with mandatory insurance laws for foreigners.


Lower Returns

The cash value component grows at a conservative rate, which might be lower than returns from other investment options, potentially leading to missed opportunities.

Who should get international health insurance?

Multinational Corporations

Multinational corporations with operations in Singapore and other countries would greatly benefit from international health insurance. This insurance ensures that their globally mobile workforce is covered across different national healthcare systems, maintaining employee health and productivity.

Export-Import Businesses

Businesses engaged in export-import activities often require their employees to travel frequently. International health insurance is crucial for these companies, providing their staff with reliable medical coverage wherever their business takes them, from negotiating deals abroad to managing supply chains.

Firms with Globally Mobile Employees

Firms that have international employees or those whose employees travel extensively for work for more than 3 months at a time stand to gain significantly from international health insurance. This coverage supports these professionals by ensuring they have continuous and comprehensive healthcare access.

Best International Health Insurance Plans in Singapore

fwd insurance logo

FWD international health insurance

FWD's International Health Insurance offers a comprehensive suite of benefits with annual limits ranging up to S$3,000,000, ensuring extensive coverage for a variety of medical needs.

The policy provides robust hospitalisation benefits, which cover all expenses from hospital accommodations to complex procedures such as organ transplants and cancer treatments, with specific caps for inpatient psychiatric treatment and congenital conditions treatments set at S$30,000 each per lifetime. Outpatient benefits are included if selected, with coverage limits up to S$15,000, encompassing services like consultations, diagnostic tests, and treatments including physiotherapy and alternative medicine.

Maternity benefits are also available, offering generous allowances for pre-natal, delivery, and post-natal care up to S$20,000 depending on the chosen plan. Optional dental and vision benefits cover basic to complex dental work and vision care, including frames and lenses.

The policy also features additional benefits like accidental death and disability coverage, a no-claim bonus, and medical evacuation and repatriation, each covered up to S$1,000,000. With a range of deductible and coinsurance options, the policy allows policyholders to tailor their premium costs relative to out-of-pocket expenses effectively.

The coverage extends to elective treatments planned in advance, making this policy adaptable to both emergency and routine medical needs.

This policy is designed to provide international and domestic support, offering peace of mind through its comprehensive coverage and high limits suitable for a wide range of medical situations.
allianz logo

allianz international health insurance

Allianz provides comprehensive international health insurance tailored specifically for small and medium enterprises (SMEs), ensuring that employees are protected with robust coverage when abroad.

The Allianz Global Corporate & Specialty (AGCS) underpins these policies, guaranteeing extensive support with a 24/7 multilingual team ready to assist.

This insurance covers a wide array of health-related scenarios essential for businesses with international needs.

The policy benefits include emergency medical assistance and access to a global network of healthcare providers, ensuring that employees receive the best possible care regardless of their location.

This peace of mind is vital for SMEs looking to expand their footprint globally, offering their team the security of knowing that their health is a priority anywhere in the world.

Moreover, Allianz’s commitment to ease of access and customer support highlights their dedication to providing value beyond mere financial protection, aligning with their mission to care for and support their clients comprehensively.
cigna global logo

cigna international health insurance

Cigna's group health insurance in Singapore is a beacon of security for both locally based and globally mobile employees.

The plans are distinguished by their flexibility and comprehensiveness, meeting the unique needs of various organisations, from SMEs to large multinationals.

Cigna Prime, specifically for large companies, offers an extensive healthcare network, 24/7 support in multiple languages, and effective cost management strategies including preferred network rates and fraud prevention measures.

This ensures that your employees receive not just medical aid but a holistic healthcare experience that includes preventative measures and wellness programs. For smaller entities, Cigna Care Connect provides a tailored solution with flexible plan designs, easy administrative processes via an online portal, and access to over 1,000 panel doctors.

This plan simplifies healthcare management for SMEs and startups by offering telehealth services and cashless payment options, making it accessible and hassle-free.

Both plans underscore Cigna’s commitment to safeguarding the health and vitality of your workforce, thus empowering them to contribute effectively to your business without health worries looming over their productivity.
AXA Logo

AXA international health insurance

AXA Global Healthcare offers robust international health insurance solutions tailored to various business sizes and complexities.

Their offerings are segmented to cater efficiently to small businesses (1-74 employees), medium enterprises (75-149 employees), and large corporations (150+ employees), ensuring that no matter the company size, the health insurance plans are customised to the needs of the globally mobile workforce. For smaller companies, AXA provides simple, yet comprehensive plans that are easy to implement and manage, ensuring that all employees feel secure and valued.

For larger organisations, AXA brings to the table a wealth of experience in building bespoke health benefits packages that cater to complex needs, incorporating services like direct settlement with a network of over 1.9 million healthcare facilities worldwide.

This vast network helps facilitate quick and reliable medical care, which is crucial for maintaining the productivity and well-being of employees working abroad. Additionally, AXA's commitment to their clients is evidenced by their high claims payment speed, with 81% of claims paid within 2 days.

This responsiveness not only enhances the reliability of their service but also ensures that employees receive the medical attention they need without undue delay, thereby reducing the stress and uncertainty that can accompany health issues during international assignments.
msig logo

MSIG international health insurance

MSIG's Prestige Healthcare insurance plan offers a comprehensive coverage suite designed to address both the routine and exceptional health needs of its policyholders.

With a remarkable hospital and surgical cover, the plan provides over $3 million for various treatments including inpatient and outpatient services, cancer treatments, and organ transplants, ensuring substantial support through health challenges.

For those traveling or stationed overseas, the international cover escalates from $1 million to $2 million in the event of hospitalisation, paired with an overseas medical evacuation and repatriation cover up to $1 million. The plan doesn't just address immediate medical needs; it also offers up to $2,000 for alternative treatments such as physiotherapy, acupuncture, or chiropractic services, reflecting a holistic approach to health.

Furthermore, policyholders benefit from direct settlement of hospital expenses, which facilitates a cashless service experience.

MSIG also includes provisions for artificial limbs and mobility aids up to $1,500, ensuring that recoveries are well-supported. Optional maternity benefits are available under the Deluxe and Platinum Plans, covering ante-natal, childbirth, and post-natal treatments up to specified sublimits, adding a layer of care for families.

The compassionate travel benefit, covering the cost of economy class return airfare for the insured to attend a close family member's funeral overseas, underscores the plan’s comprehensive approach to supporting its policyholders through various life events.
aetna logo

aetna international health insurance

Aetna International offers a specialised health insurance plan tailored for expatriates and their families living in Singapore, providing them with access to first-class international medical coverage.

Recognising Singapore's position as a hub for medical tourism and its high health care costs, Aetna's plans are designed to mitigate these costs while offering comprehensive coverage.

Their insurance ensures customer satisfaction with features such as 24/7 support and a vast global medical network of 1.4 million providers, ensuring that policyholders receive the best possible medical attention anytime, anywhere. The importance of having private health insurance in Singapore, particularly for expatriates, cannot be overstated, given the high quality of care and the potential high costs associated with medical services.

Aetna’s plans also include crucial services like repatriation in case of medical emergencies, which is a significant consideration for those living far from their home countries.

This level of thoughtful coverage provides a safety net that allows expatriates to live and work in Singapore with peace of mind, knowing they have reliable support in maintaining their health.
Singlife logo

Singlife international health insurance

Singlife's MyGlobal Benefits insurance plan is expertly crafted for expatriate employees, providing a robust health and medical coverage that underscores the flexibility and comprehensive care necessary for global professionals.

With a high benefits limit of up to S$3,500,000 annually per insured person, the plan emphasises extensive protection and the freedom for employees to choose their preferred medical treatment providers, anywhere and anytime. Key features of this plan include the entitlement to receive medical care in one’s homeland, including the USA, subject to specific plan conditions.

This feature is particularly beneficial for expatriates who wish to receive treatment in familiar environments, which can greatly enhance the comfort and effectiveness of medical care.

Additionally, the plan covers up to S$18,000 for inpatient psychiatric treatments, addressing mental health with the seriousness it deserves and providing a crucial support system for the well-being of employees. This comprehensive approach not only secures the health of employees but also supports their overall well-being, making it an excellent choice for businesses looking to provide top-tier benefits to their international workforce.

How to apply for a comparison session?

Step 1

Submit a request for a quote with Corporate Cover. Based on your request, we will match you with one of our MAS-licensed partners.

Step 2

Our partners will obtain quotations from the respective insurers and help you compare based on price, features, and suitability.​

Step 3

Once you've found the perfect international health insurance policy, feel free to purchase it from a friend, directly from the insurer, or from our partners!

How does international health insurance work?

International health insurance works by providing global medical coverage to ensure that individuals have access to healthcare services, no matter where they are in the world.

Typically, this type of insurance is comprehensive, covering a variety of medical treatments from routine check-ups and emergency services to specialised procedures.

Policyholders can choose from a range of plans that may include options for outpatient care, maternity care, mental health services, and more, depending on their needs.

The insurance is designed to cater to expatriates, frequent travellers, and those residing outside of their home countries for extended periods, offering them the flexibility to seek treatment in multiple countries.

Additionally, this insurance often comes with support services such as 24/7 customer assistance, direct billing, and a network of trusted hospitals and doctors globally, simplifying the process of obtaining healthcare abroad.

Can I get an international health insurance for one month?

Yes, you can obtain international health insurance for just one month, but only certain insurers offer this option, as most plans typically start with a minimum coverage of 3 months.

There is considerable overlap between travel insurance and short-term international health insurance, with travel insurance often being a more cost-effective alternative.

Many travel insurance plans include comprehensive coverage such as outpatient services, hospitalisation, and other benefits similar to those offered by short-term international health insurance.

Given these factors, it might be worth exploring travel insurance options if you require coverage for a short period.

What's the difference between international health insurance and travel insurance?

International health insurance and travel insurance serve different purposes and cater to distinct needs, even though they both provide vital protection when you are abroad.

International health insurance is designed for long-term stays and typically covers extensive medical treatments, including regular doctor’s visits, emergency services, maternity care, and chronic conditions.

It’s ideal for expatriates or individuals who spend significant time outside their home country.

On the other hand, travel insurance is intended for short-term travel (up to 3 months, even with annual travel insurance) and focuses more on covering emergency medical care, trip cancellations, lost luggage, and other travel-related mishaps.

It is not as comprehensive in terms of medical services as international health insurance but includes essential benefits for travellers facing unexpected situations.

What's the difference between international health insurance and integrated shield plans?

International health insurance and integrated shield plans are designed to serve different healthcare needs and coverage scopes, especially in Singapore.

International health insurance is tailored for global coverage, offering comprehensive medical protection across various countries.

This type of insurance is ideal for expatriates or those who travel frequently, providing extensive medical services from routine care to emergency interventions worldwide.

Conversely, integrated shield plans are enhancements to Singapore’s basic health insurance, known as MediShield Life, provided by the government.

These plans are intended to cover the costs of more expensive private hospital care or ward classes in public hospitals within Singapore.

While integrated shield plans can offer limited overseas coverage, it’s primarily in the context of emergencies and for a short duration, making it less suitable than international health insurance for those living or traveling extensively abroad.

What international health insurance policy covers pre-existing conditions?

Currently, only Allianz offers an international health insurance policy that covers pre-existing conditions.

It’s advisable to apply to as many insurers as possible, as some may be willing to cover pre-existing conditions but at a higher premium.

This approach allows you to assess different policies and potentially secure coverage that includes your specific health needs, albeit possibly with an increased cost.

How much does international health insurance cost in Singapore?

The cost of international health insurance in Singapore can vary widely depending on several factors such as the extent of coverage, the insured employee’s age, number of employees insured, medical history, and the specific plan chosen.

Generally, premiums can range from a few hundred to several thousand Singapore dollars annually.

For basic coverage, prices might start at the lower end, while comprehensive plans that include coverage for pre-existing conditions, maternity, and outpatient services can be significantly more expensive.

It’s also important to consider whether the policy includes deductible options, which can lower the premium cost.

It’s best to request quotes from multiple insurers to get an accurate estimate, as prices and coverage details can differ substantially between providers.

Our partners can help you get these quotes.

What is the cheapest international health insurance in Singapore?

Finding the cheapest international health insurance in Singapore depends on various factors, including the level of coverage desired, the individual’s age, the number of employees, and their health status.

Typically, basic plans that offer limited coverage and higher deductibles tend to be the most affordable.

As every company has different needs for international health insurance, the prices you get from insurers will be different – making it essential to obtain multiple quotes to compare.

Can I buy international health insurance online?

Yes, you can buy international health insurance online through our partners.

To begin the process, you simply make a request online and provide the necessary details.

Our partners will then gather quotes from various insurers tailored to your needs.

Once you receive these quotes, you can compare them and purchase the policy that best suits your requirements directly online.

This streamlined process makes it easy and convenient to secure international health coverage from the comfort of your own office.

What international health insurers can your partners help me with?

Our partners can help you access a wide range of reputable international health insurers.

Some of the notable insurers they can broker for include but are not limited to:

  • Aetna
  • AIG
  • Allianz
  • AXA
  • Cigna Global
  • MSIG


These insurers are among the leaders in international health insurance, ensuring you have access to diverse options tailored to protect your health worldwide. 

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Why you should get your international health insurance with Corporate Cover


Reducing Costs

When you choose international health insurance through Corporate Cover, you're not just protecting your health; you're also ensuring cost-effectiveness.

Our partners' strategic partnerships with top insurers allows them to offer you competitive rates that might not be available elsewhere.

They leverage their extensive network to negotiate better terms, ensuring you get the most comprehensive coverage at the most favourable pricing.

This approach directly impacts your bottom line by reducing out-of-pocket healthcare expenses while maintaining high-quality care wherever you are in the world.


Compliance Across Borders

With Corporate Cover, obtaining international health insurance ensures that you meet regulatory requirements across various jurisdictions.

Whether you're relocating employees or expanding business operations overseas, our partners make sure that your insurance coverage complies with local laws, reducing the risk of costly legal issues and penalties.

This peace of mind allows you to focus on growing your business internationally without the additional burden of navigating complex healthcare regulations in different countries.


Unparalled Customer Support

Choosing Corporate Cover means gaining access to unparalleled customer service.

Our partners are committed to providing personalised support, guiding you through the process of selecting and managing your international health insurance.

From handling claims efficiently to answering your queries promptly, they prioritise your satisfaction and well-being.

This dedication to service ensures a smooth and hassle-free insurance experience, making it easier for you to manage your health care needs while focusing on what matters most—your work and life abroad.

Find The Perfect International Health Insurance Policy Today!