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    Singapore

    International Health Insurance in Singapore

    Singapore is home to many of the world’s biggest global enterprises and is hailed for its great lifestyle and culture.

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    Singapore’s economic markets have great links to the wider Asian continent, making it a booming hub for industries like tech and finance.

    With such great job prospects and a high standard of living, it’s no wonder that it’s such a popular place for expats. But with such great standards come great costs. 

    With Cigna, you can arrange health insurance in Singapore to ensure you are protected from potentially expensive medical bills without having to compromise on the quality of your care.

    Cigna Leaf

    How does Singapore’s healthcare system work?

    Public healthcare is subsidised by a government fund available to citizens and public residents. In order to qualify for these services, citizens and public residents need to sign up to an approved health insurer or a medical care plan called MediShield Life.

    However, expats and other immigrants or short-term visitors are not eligible for MediShield or other government funded plans. Instead, you’ll need international health insurance in Singapore to cover any potentially expensive healthcare costs.

    Find out what it’s like to live in Singapore

    Cigna Leaf

    Pros and cons of using Singapore's public health system

    Pros

    The local health system offers a range of potential benefits:

    • Simple - most simple medical appointments aren’t too expensive.
    • Expert – staff in public hospitals are expertly trained and typically speak good English, enabling them to provide excellent care to expats.
    • Fast – short waiting times for appointments.

    Cons

    But it’s also useful to consider the potential drawbacks:

    • Availability – you may not qualify for MediShield Life and so can’t access the government-funded local health system.
    • High treatment cost - medical costs can quickly increase if you need further appointments, tests or surgery.

    What’s the difference between public and private healthcare in Singapore?

    Public Private

    Funded by government.

    Available to expats.

    Residents qualify through MediShield Life.

    Access to private hospitals.

    Government run hospitals.

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    Read more on life in Singapore

    Cigna Leaf

    How can international health insurance help you in Singapore?

    If you aren’t classed as a citizen or permanent resident, you’ll need insurance coverage to access public health services or help safeguard against the costs of any private healthcare you may need.

    Without health insurance you might not be covered for any medical appointments or care within public healthcare and will only be able to use the private system – which could wind up costing you a lot.

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    greenLeaf

    Choosing your international health insurance

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    Answer a few questions and enter your personal details to get started.

    Choose your plan

    Compare plans and find a flexible package to suit your needs.

    Get protected

    Receive your quote and get protected today.

    Cigna Healthcare core plans:

    Silver

    The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.

    • Annual benefit limit: $1,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Newborn care cover

    Gold

    Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.

    • Annual benefit limit: $2,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity

    Platinum

    Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.

    • Annual benefit limit: Paid in full

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity

    • Mental and Behavioural Health care paid in full

    Cigna Leaf

    Why choose Cigna for health insurance in Singapore?

    • Access to healthcare for expats and non-residents.
    • Find comprehensive cover that fits your needs.
    • 24/7 access to our customer care team.
    • Personalised, predictable, reliable service and care.

    Get a quote today

    FAQs
    Will I be covered outside of Singapore?Whether you are covered beyond Singapore will depend on the type of cover you have chosen. Some packages may cover for short-term visits or wider travel but check the details of your Cigna insurance for further information. How do I claim?You can start your claim by contacting our Customer Care Team. Whether you contact us ahead of pre-arranged treatment, or after an accident or event, we can assist with any concerns you may have. How do I get treatment?Just login to our online Customer Area and search through our directory of medical practitioners nearby. You'll need a little personal information, such as your policy number and address before you get started. Alternatively, you can contact our Customer Care Team for immediate assistance. Do I need to pay upfront?We arrange to pay each medical professional or establishment directly. However, if you do cover the price of your health treatment, we are usually able to reimburse you.

    *For treatment incurred in either Hong Kong or Singapore, this benefit is only available once the mother has been a beneficiary under this policy for a continuous period of at least 24 months or more.

    © 2025 Cigna Healthcare. All rights reserved.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

    This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.