Best International Health Insurance Plans

Health insurance is your financial safety net if you become sick or injured

Even when your illness or accident isn’t preventable, the stress of paying super high medical bills is. Thus, it just makes sense to save yourself that stress and worry and find yourself the best health insurance quotes by comparing them with GoBear.

Do I need health insurance? 

In a nutshell - yes, you do. A short stay at the hospital can cost thousands of dollars and may cost more for foreigners. I don’t know about you, but bears don’t even have pockets for wallets, let alone wallets with that much spare cash in them!


Money is the last thing you want to worry about when you’re sick, so having affordable medical insurance means that you won’t have to cover the entire bill.


Moreover, if that’s not enough incentive, here is another reason why you need it. If you want to apply for a long-term pass, you will need to have health insurance Singapore because it’s required by Immigration and Checkpoints Authority.

What if I already have corporate medical health insurance? 

Most corporate medical plans cover you for less, meaning you will pay more out-of-pocket if you have a high medical bill from getting sick or injured. You should do your research and find out what you are covered for by your work plan, and then it’s up to you if you want to take out your own healthcare plan too. 

How do I know if I’m qualified for a health insurance?

Well, that depends. You qualify for a health plan if you are: 

  • A Singaporean living in Singapore or overseas 
  • A foreigner holding a valid immigration pass 
  • A foreigner who is a dependent (i.e. spouse/parent/grandparent/child of a Singapore Citizen or Permanent Resident)

If you don’t fit into one of these categories – do not despair! Check with one of Singapore’s medical insurance companies to see if you might qualify.

What should I look out for when choosing my health insurance plan?

Before you select your plan, consider these six things:

  • What do I want to be covered?  - All health insurance policies cover you for emergency services and hospitalisation. You will need to consider whether that will do, or if you want to go with a healthcare plan that is a bit or far more comprehensive. Do also think about how much you are willing to pay to be covered. 
  • How much will it cost? - Generally, if you pay a higher premium up front, you will pay less when you receive medical care, and vice versa. If you’re working out your budget, you need to consider your premium or your monthly or yearly fee.
  • Can I get health care from any doctor or hospital? That depends. Most local health insurance policies have their own group of medical providers that they want you to use (called their “network”). The bill may not be covered fully, or at all if the doctor is not in your healthcare plan’s network. International policies, however, give you the full freedom to seek medical treatment from doctors or hospitals that are not in the network
  • Are my routine examinations covered? Most preventative check-ups like mammograms or pap smear tests are usually not included unless specified by the medical insurance companies. These tests are usually included in the “well-being” benefit.
  • How will my pre-existing medical condition affect my health insurance? If you or someone in your family has a pre-existing or chronic condition, like hypertension, high cholesterol, asthma, or diabetes, be sure to let the provider know before taking up the plan. Your health insurance may not cover the medical costs related to the condition or they may charge you a higher premium to cover those conditions.
  • Am I covered when I’m away from home? It depends on the health insurance plan you have chosen and the geographical area it covers. In most cases, only emergency care will be covered. You should check with your provider to see if you are covered while travelling. 


What covers are included in health insurance plans?

Well, how long is a piece of string? There are so many different benefits that you can choose for your health insurance. Compare on GoBear to find the healthcare plan that has the benefits you want. These options below are what medical insurance companies will usually give you to choose from: 

  • Hospitalisation Hospitalisation is also known as inpatient cover. If bad luck or bad health land you in a hospital, it is important to have a plan that includes hospitalisation, covers you for your medical expenses during your hospital stay, including the room, surgery, medicines and diagnostic tests. Hospitalisation is covered in all medical insurance policies in Singapore. Isn’t that great! 


  • Outpatient cover  - This covers you for medical treatment outside the hospital or for medical visits that do not need you to stay overnight in a hospital, for example, when you see a GP, a specialist or a therapist. Some health insurance plans charge a little bit extra to be covered for this. Find out the ones that work best by comparing on GoBear. 


  • Evacuation and repatriation  - When you need medical treatment but your local hospital is not up to the job, the emergency evacuation benefit on your health insurance will pay for you to get to the nearest medical facility where you can get the treatment you need to get better. In addition, the repatriation benefit will pay for you to get home after the treatment. It’s pretty sad to think about, but if you pass away overseas, some plans also have the option to cover the costs of bringing your body back home. This is called the repatriation of mortal remains, and we seriously hope you never need to use it. 


  • Dental insurance  - Open your mouth and say “ahhhhhhh”. If you’re covered by dental insurance, then your plan often includes check-ups, simple fillings, and sometimes more complicated dental treatment if you have gum disease or need braces. 


  • Wellbeing and optical  - Well-being refers to routine stuff such as annual checkups, Pap smears or mammograms. For those of us who need a little help to see clearly, optical benefits can cover eye examinations and corrective glasses and contact lenses. If you just like to wear glasses to look trendy, then you are not covered. Sorry about that.


  • Maternity Congratulations! You’re having a baby! Maternity cover typically covers you for the costs of routine pregnancy and childbirth. Health insurance companies can also cover you for newborn care, complications and pre- and post-natal check-ups with your obstetrician. Health insurance plans sometimes have a waiting period of up to 24 months, so if you’re planning on having a baby in the future, it could save you a heap of money if you are already insured and have passed the waiting period. Lucky for you mama- and daddy-to-be, you can check the waiting periods for health insurance plans on GoBear! 


  • Vaccinations - This pays for the consultations fees and jabs to keep you protected from nasty diseases. Some providers cover child immunisations under a separate benefit. 

Health insurance companies in Singapore

There are several health insurance companies in Singapore that provide health care plans. Some of these companies include Great Eastern Life Assurance, Prudential Assurance Company, AXA Life Insurance, Zurich Life Insurance Singapore, Transamerica Life and Manulife Financial. 


Getting sick is no laughing matter, but you might at least smile when you remember your expenses are covered by your health insurance! You can use GoBear to compare affordable health insurance in three easy steps: search, compare, select. Best of all, it’s free! 



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