International Expat Medical makes finding the right health insurance in Singapore for you, your family, and your business an absolute breeze.
Learn why expatriates trust us to navigate the complexities of Singapore's healthcare ecosystem.
"Over the last few years, the entire world has realized how sudden and unpredictable medical events can be. We all now appreciate the importance of having first-rate health insurance in Singapore. With medical costs and related expenses rising, access to excellent medical facilities and hospitalisation costs has never been more important. It is vital to secure the right health insurance for yourself and your family that provides the protection you need in difficult times. As well as having the confidence that you and your loved ones will always be well taken care of, the right health insurance plan helps you avoid the concern of medical treatment inflation. At International Expat Medical, we will find the right health insurance plan for you based on your unique situation and needs to ensure that you can relax in the knowledge of being fully covered, whatever happens."
Whether you require a highly customized personal program or an employee benefits structure for your team, we've got you covered.
Although it can be possible to receive quality medical treatment as a public patient in the public system, private health coverage gives you the opportunity to get treated faster, choose to be treated in a private or public hospital, request a private room and choose your own doctor. The advantages of having these options are enormous. Private plans have higher limits than many employee group plans, cover you when you're abroad, and provide complete maternity cover. Some private health insurers incorporate lifestyle extras into their plans too, which include such perks as complementary medicine, acupuncture or osteopathy, medicinal massage and, in some cases, gym membership too.
Group Health Insurance is a type of medical insurance policy especially for employees or members of a company or other organisation. A group health insurance plan typically provides health insurance coverage to its members at a lower cost, since the risk to the insurers is spread across all the members of a group health plan. Protect your expat professionals with high-tier regional networks and flexible underwriting options.
Medical benefits significantly reduce the costs associated with routine medical procedures such as check-ups, wellness visits, and prenatal care, but also cover emergency care. Such employee medical benefits can help your firm to recruit and retain the best people, in turn helping you to grow and thrive as a business. We customize benefits to match your company size and specific budget targets.
We are independent advisers. Protecting your assets and securing your family's health is our absolute priority.
At IEM, we take an individual, personalized approach to finding the best possible health insurance in Singapore for you and your family. We recognize that every expat's circumstances are unique, and we discuss your situation, requirements, and aspirations in detail with you to make sure we find the medical plan that best fits your needs.
We are international expats in Singapore too, just like you, so we know everything there is to know about life as an expat in the city state - the advantages, rules, and challenges. We are also highly experienced - between us, we have over 40 years of experience living in Singapore and helping our fellow expats find the perfect health insurance.
At International Expat Medical, first and foremost, we value relationships. We love the fact that everyone is unique and has unique needs. We're here for you to make finding health insurance as simple as possible, and we are available year-round if you have a question or if you need support - not just when it is time to renew!
We partner with a range of insurers, which means we can search the entire market to find the best possible result for you. We are licensed to compare and provide both integrated Shield plans and comprehensive International plans, ensuring you obtain unbiased choices and premium pricing.
Get a quick, data-driven estimation of your health insurance premiums. Expats in Singapore can select their specific details below to see price tiers and recommendable global carriers.
This estimator matches your area and benefits request to our network of 9+ tier-1 insurers. Formal pricing is subject to underwriting and specific health details.
See what families and individuals say about our personalized service and expat transitions.
“Thank you IEM for all your help. You have made this transition time in our lives so much easier. You are an insurance agent who not only sells insurance, but also makes the process easy. You are the best!”
“My family and I are from Indonesia, and we travel to Singapore for our health checks and hospital procedures. International Expat Medical was able to provide us with a health insurance plan that covers all our medical expenses in Indonesia and Singapore. This has been such a blessing.”
“We have greatly appreciated how IEM spent considerable time seeking a better plan for me at a more competitive price, yet offering the exact same health cover. IEM have been consistently friendly, thoughtful and expert in their field throughout.”
We work with the biggest names in global and local health insurance to ensure you secure the best coverage and price.
Exceptional worldwide healthcare solutions, international health assistance, and strong networks.
Premium medical plans offering highly customisable limits and renowned worldwide private hospital access.
Flexible international plans allowing expats to tailor modular options (outpatient, dental, maternity).
Secure global medical underwriting, travel risk management, and stable institutional protection.
Specialist international third-party administrator focusing on corporate SME solutions and global networks.
Integrated shield structures, high-net-worth life covers, and clinical local support in Singapore.
High-tech, digital-first international insurance programs with rapid claims and online admin tools.
Leading Singaporean insurer offering popular Integrated Shield Plans (IP) for citizens and PRs/foreigners.
Direct integration with Singapore's premier Raffles Medical Group hospitals and outpatient clinics.
Read our experts' answers to vital health insurance questions, compiled to help you plan with clarity.
Yes. Singapore offers world-class medical facilities, but treatment costs are extremely high for foreigners who do not qualify for government subsidies. Without proper health insurance, a major medical event or hospital admission can result in severe financial distress. Securing expat-focused health coverage ensures access to private hospitals and protects you from inflating treatment costs.
Integrated Shield Plans (IPs) are designed primarily to complement Singapore's national MediShield Life system. They are ideal for local residents who plan to receive treatment inside Singapore. International Medical Insurance, on the other hand, is a global product that covers you outside Singapore, includes high benefit limits, covers emergency evacuation/repatriation, and is not tied directly to MediShield Life frameworks.
Pre-existing conditions are typically excluded by default in personal individual policies, or they may be subject to a premium loading or waiting periods. However, for corporate groups (usually 5 or more employees), we can negotiate "Medical History Disregarded" (MHD) underwriting, which covers pre-existing conditions. Please consult with our licensed advisers to evaluate your options.
Group health insurance covers employees under a single corporate policy. It spreads risk across all members, resulting in lower per-person premiums compared to individual plans. Adding custom medical benefits helps Singapore SMEs recruit and retain global talents while managing tax-deductible employee welfare expenses.
We partner with leading global insurers including Allianz Care, AIG, Bupa Global, Cigna Global, Henner, HSBC Life, Now Health International, NTUC Income, and Raffles Health. Because we are independent, we search the entire market to build an unbiased comparison customized to your budget and needs.
Get in touch with one of our experienced, licensed consultants to secure the best possible health insurance in Singapore for you and your family.
rainer.ackbari@synergy.com.sg
+65 9017 2280