MyHEALTH gives you access to the greatest flexibility on the market without ever sacrificing quality and affordability.
MyHEALTH is the most flexible health insurance plan in Singapore.
Choose a plan that suits your needs and find a price that works for you. Each member of the family can customise their own health plan.
MyHEALTH Singapore is available to all foreigners, Singaporean nationals and permanent residents.
Mix and match modules to build your ideal coverage
All monetary sums are in SGD
Modules | Essential | Extensive | Elite |
Hospital and Surgery | $2,000,000 | $4,000,000 | $6,000,000 |
Outpatient (optional) | $7,000 | Full cover | Full cover |
Maternity (optional) | $7,000 per pregnancy | $13,500 per pregnancy | $20,000 per pregnancy |
Dental & Optical (optional) | * | ** | *** |
24/7 Evacuation, repatriation and assistance services | Included up to US $1,000,000 | Included up to US $1,000,000 | Included up to US $1,000,000 |
Co-insurance only applies to your Outpatient expenses, and is waived within our Panel Network. Let’s see what this would look like on a $200 consult.
* Example claims to demonstrate how co-insurance and deductibles work on MyHEALTH Singapore
Step 1
Create quotes online
Compare your options to see what best fits your needs and budget
Step 2
Apply for your plan
Fill in your personal details and medical questionnaire digitally
Step 3
Start coverage
Once your application is accepted, you’ll get your e-member pack
At APRIL, we make it our mission to offer a better healthcare experience.
We are dedicated to making sure you have the support you need, when you need it, even if it’s just help navigating a new healthcare system. Because we believe insurance should be simple, we provide you with the most advanced digital tools to manage your policy on a daily basis.
You should only pay for what you need and nothing else. With APRIL, personalising your health insurance plan only takes a few steps and allows you to meet your healthcare needs and budget. On top of your Hospital and Surgery module, you can add Outpatient, Dental/Optical and Maternity modules. Each module includes 3 different levels of cover: Essential, Extensive, and Elite.
With MyHEALTH Singapore, you can select a specific area of cover and some premium discount options. Emergency assistance and repatriation are included in all our plans.
Each family member can customise their own coverage.
MyHEALTH Singapore allows you to choose your area of cover between « Worldwide » or « Worldwide excluding USA ». Your level of coverage and benefits remain the same throughout your area of cover, whether you are in Singapore or travelling abroad.
MyHEALTH Singapore is portable to most countries worldwide, meaning that if you need to move you can keep you plan to help avoiding having to go through underwriting again, as well as breaks in coverage.
Yes, you can buy MyHEALTH Singapore if you are already covered by a local or company health plan that isn't providing the protection you need. You may purchase Hospital & Surgery cover with an annual deductible (that will be covered by your local/company health plan) or opt for optional benefits such as Outpatient or Dental/Optical if your existing plan doesn’t cover them.
More specifically, in case of hospitalisation, your local plan will cover your medical expenses up to its limit. APRIL will cover the remaining expenses (up to your annual limit too).
MyHEALTH Singapore can also cover you for any benefits that your local plan does not cover, depending on the modules you select.
We offer 3 underwriting methods under MyHEALTH Singapore: FMU (Full Medical Underwriting), Moratorium, and CPME (Continuous Personal Medical Exclusions).
Under the FMU application process, you must declare your entire medical history. APRIL will then make an offer based on your health declaration.
Moratorium is a simplified underwriting method. After a two-year treatment- and symptom-free period, any pre-existing conditions you have may become eligible for coverage.
With CPME, you will not have to go through medical underwriting again and your cover will continue under the same terms as your previous medical insurance provider. Your former health insurance company must be on our approved list for you to be eligible for CPME.
-For FMU and CPME underwriting methods: we accept applications from people aged 65 and under.
-For Moratorium, those aged 45 and under.
-We then offer lifetime renewals. We may cover anyone residing in Singapore at the time of the application, including children only—no extra surcharge will be added on to child only policies.
Managing your claims has never been easier. Submit, track, and update your reimbursement requests anytime, anywhere - quickly and securely.
Simply answer a few questions, upload your medical bills and supporting documents, and submit them via the app.
But that’s not all! Access your insurance card, request hospitalisation, get a second medical opinion, speak to a doctor 24/7, find nearby medical providers, and more - all in one app.
Fast. Simple. Convenient.
Malta has become a hotspot for skilled international talent in recent years, with 28% of its population consisting of foreign nationals in 2023, a huge increase of 15% from 2022.1
Healthcare systems abroad can be vastly different to what you’re used to back home, which can present a challenge if you’re considering a move to another country or have recently relocated overseas.
MyHEALTH is underwritten by Liberty Insurance Pte Ltd and arranged and administered by APRIL Singapore Pte Ltd (2A McCallum St, Singapore 069043).
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Liberty Insurance or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
