• published on 7/6/2021
  • 6min

Why Comprehensive Insurance Coverage is Key for Expats in Singapore

SG$15,306 for an appendectomy at Raffles Hospital (private). SG$14,373 for knee repair surgery at Gleneagles Hospital (private). SG$8,398 for heart-attack care at Tan Tock Seng Hospital (public). These are some examples of the fees for major surgeries and treatment at hospitals in Singapore*. Unfortunately, healthcare in Singapore can be very costly in both the public and private systems.

Why Comprehensive Insurance Coverage is Key for Expats in Singapore

If you’re an expatriate working for a local or foreign company, you might already be covered by an employer-provided healthcare plan. But is that plan sufficient to cover these sorts of fees? As an expat, you won’t have access to local programs such as Medisave. In addition, your lifestyle may involve regular travel between Singapore and your home country, which can make insurance coverage complicated. It’s important to find a healthcare plan that fits your unique needs, so you can rest assured you’ll be well-protected, no matter what.

At APRIL International, we have extensive experience providing health insurance coverage to expats like you. For expats in Singapore looking to complement their existing company plan with additional coverage, we recommend Hospital & Surgery ESSENTIAL with deductibles, available under our MyHEALTH Singapore plan.

Here’s why Hospital & Surgery ESSENTIAL with deductibles could be a great choice for you:

Singapore Residents: Coverage for Major Illnesses and Hospitalisation

Most local company plans in Singapore have low coverage limits, which might not be enough to cover the costs involved in the event of a major illness or accident. Taking out a supplementary insurance policy will give you peace of mind. You’ll be covered up to S$ 2 million for hospital treatment and outpatient visits for major illnesses, such as cancer, for instance. Plus, by choosing Hospital & Surgery ESSENTIAL with deductibles, you can make the most of the coverage you already have. The deductibles will be covered by your local insurance plan, and APRIL International will cover the rest.

> Read also: What is a health insurance deductible and how does it work?

Enjoy the Advantages of an International Plan While Living in Singapore

When it comes to health insurance, there are some significant advantages to going with an international company. For expats, worldwide coverage is especially important. The MyHEALTH Singapore plan offers you the option of choosing to be covered either worldwide, or worldwide excluding the USA. This means you’ll have access to the same coverage you have in Singapore, no matter where you are in the world. You’ll also benefit from comprehensive travel protection including 24/7 emergency assistance, evacuation, repatriation services, and more. And if you have a medical emergency, APRIL International can issue a letter of guarantee to the hospital, ensuring that you won’t have to worry about paying a major expense up front. These benefits aren’t typically offered by local plans in Singapore.

With a company plan, your health insurance is linked to your job, meaning if you lose your job or change companies, you’ll lose your coverage and underwriting benefits. An international plan like MyHEALTH will give you peace of mind by allowing you to keep your existing coverage regardless of your personal situation. This also applies if you need to be outside of Singapore for an extended period of time. With MyHEALTH, you’ll have the freedom and flexibility to move countries, or work remotely from abroad.

> Read also: Should you choose a local or an international health insurance plan?

Optimise Your Healthcare Spending in Singapore

MyHEALTH Singapore is especially designed for long-term residents of Singapore. Our Singapore-based team is made up of expats like you, who understand your situation and requirements.

Hospital & Surgery ESSENTIAL with deductibles is an affordable plan for people on a variety of budgets. We offer three different options for deductibles: SG$2000, 5000, or 10,000. For even greater savings, choose our Specified Inpatient Providers option. You’ll be fully covered in a selection of hospitals in Singapore, including renowned public and private hospitals, and will enjoy a 15% discount on your premium.

For an idea of how much the plan might cost, check out these example prices:

Plan Name

Individual(s) Covered


Additional Options

Cost Per Year

Hospital & Surgery ESSENTIAL

34-year-old woman




Hospital & Surgery ESSENTIAL

38-year-old woman and 42-year-old man


Specified Inpatient Providers (SIP) option

SG$2,444 for the couple

Learn more about MyHEALTH Singapore and the Hospital & Surgery ESSENTIAL package or request a personalised quote today.

*Hospital prices in Singapore: We compare medical treatments across 10 clinics, Expat Living Singapore