Best Health Insurance for Foreigners in Singapore

Where to Find the Best Health Insurance in Singapore for Foreigners

If you’re a foreigner working in Singapore, having steady health insurance is one of the most effective ways of protecting yourself against hospital bills and treatments. It’s a good thing that there are a few insurance providers that offer the best health insurance in Singapore for foreigners.

Searching for the right insurance company isn’t going to be easy. You have to consider the benefits and privileges offered by each company and compare them to each other.

To make your lives easier, we researched the leading insurers on the island and created a list of the best health insurance in Singapore for foreigners.

Here are the options we found worthy of everyone’s attention and money. Check out each plan below to see which one caters to your needs as a foreigner.

  • Repatriation coverage
  • International medical coverage

1.  Allianz Care

BEST FOR  International Health, Life, and Disability Insurance
SERVICES International Health Insurance, Short-term and Emergency Health Care Insurance, Critical Illness Insurance, Life & Disability Insurance
ADDRESS 79 Robinson Rd, #09-01, Singapore 068897
CONTACT DETAILS +65 6 297 2529

Monday to Friday: 9 am – 6 pm

For foreign nationals looking for insurance, Allianz Care offers international health, life, and disability cover. As one of the prime global corporate insurance carriers, they do not only cater to individuals but to multinational companies and intergovernmental organisations as well.

An international insurance varies from a travel insurance and a local insurance. This means that Allianz Care offers a lot of perks to its clients like multi-country health covers, extensive medical coverage, and a lot more. 

Allianz Care has different plans their clients can avail, which is benefitting because everything will come in a package. Their plans include Core Plans, Out-patient Plans, Maternity Plans, Dental Plans, and Repatriation Plans.

Aside from plans, they provide various solutions that cover diagnostic tests, organ transplants, and the likes. Prices of these solutions start at SGD 888,000. 

We have found it convenient that their website presents all the information on their plans and solutions. Those who look for overly responsive customer support, however, might have to be patient with their helpline.


  • Extensive coverage and multi-country insurance
  • Insurance for foreign nationals
  • Various plans and solutions to choose from
  • Free quotation is available

Customer Reviews

Here is a Facebook review from their client:

Everything single of one experiences has been impeccably flawless/immaculate to the very highest degree! I remember when I had an interview with them in October 2008 for the position of customer service assistant in the Brentford branch, the interviewers were nothing but absolute perfection! They were thorough, meticulous, perfect, impeccably flawless and immaculate to the very highest degree. I learnt a lot about myself, took their constructive criticism and successfully amended a lot of failed shortcomings/weaknesses. When I spoke to one of the advisors back in March 2017, they were very strict about their financial checks, etc!” – Sachin Naik

2.  FWD Insurance

FWD Insurance's Homepage

BEST FOR  Family Coverage
SERVICES Health Insurance for Foreigners, Personal Accident Protection, Carl Insurance, Home Insurance Maid Insurance, Endowment, and Personal Insurance
ADDRESS 6 Temasek Blvd, #18-01 Suntec Tower Four, Singapore 038986
CONTACT DETAILS +65 6820 8888
OPERATING HOURS Monday – Friday, 9:00 AM – 6:00 PM

If you’re searching for health insurance that also protects your family, then look no further than FWD’s International Health Insurance. It’s considered one of the best health insurance in Singapore for foreigners as it provides access to world-class medical facilities anywhere in the world.

It’s ideal for foreigners because whichever country they find themselves in, they and their family will always be protected. What’s more, it automatically reloads your coverage even if you’ve already reached the annual life but need it to cover accidental hospitalisation coverage.

You may also customise the plan to make it more appropriate for the needs of your loved ones. If you plan on leaving Singapore, you may also bring it to the next country you’re moving into.


  • Access to world-class facilities
  • Customisable plan and benefits
  • Automatic renewal of limit

Customer Reviews

Here are some of the reviews that FWD Insurance has received throughout their years of service:

“I am very pleased with the help that Tracy of the Customer Engagement Team of FWD Insurance provided. Not only was she friendly, patient, she was also emphatic with the frustrating issues I had with the doctor whom I had consulted. She even went out of her way, assuring me that she understood my problems by sharing her personal experiences. She volunteered to speak on my behalf to the officer in charge of my insurance claim.”

“Hands down the best insurance company in Singapore. Not only are my claims processed through the mobile app, they pay promptly for claims through paynow and they do not require people to fill up paper forms, affix a stamp and send it in only to receive silence. Truly an awesome company run by people who actually care about consumers. All my travel insurance moving forward would be with FWD only. The rest are just so far behind. Thanks FWD!”


3.  Cigna Insurance

Cigna Insurance's Homepage

BEST FOR  International Coverage
SERVICES Health Insurance for Foreigners and Health Insurance for Locals
ADDRESS 152 Beach Rd, #33-05 The Gateway East, Singapore 189721
CONTACT DETAILS +65 6549 3636 | [email protected]
OPERATING HOURS Monday – Friday, 9:00 AM – 6:00 PM

Cigna Insurance is only the insurance provider in Singapore that allows clients to create their own insurance plans to ensure that all their medical needs are accommodated. It’s the perfect option for foreigners as it includes international medical coverage.

Among the inclusions that clients may choose from are international outpatient, international medical evacuation, international health & wellbeing, and dental and vision.

Clients may also choose between its three tiers of health insurance, depending on how much coverage they want and how much they’re willing to pay.

It’s one of the few insurance providers that have a large network of trusted hospitals around the world, which is why we call it one of the options for the best health insurance in Singapore for foreigners.


  • Dependable customer service
  • Large network of medical facilities
  • Hassle-free and convenient claiming

4.  Now Health International

Now Health International's Homepage

BEST FOR  Students and Expats with Families
SERVICES Health Insurance
ADDRESS 4 Robinson Rd, The House of Eden, Singapore 048543
CONTACT DETAILS +65 6880 2303
OPERATING HOURS Monday – Friday, 9:00 AM – 6:00 PM

Now International Health operates in a number of countries across different continents, including Asia. It caters to the medical needs of expats with families and students living abroad, providing them with dependable insurance with comprehensive coverage.

It also has an extensive network and international connection with various medical institutions all over the world, so no need to worry about being unprotected while in a foreign soil. As a matter of fact, it has connection to over 1 million medical facilities worldwide.

If you encounter problems, you’re free to call their 24/7 customer care and support. It can address your problem even if you don’t speak English, as their staff is multilingual.


  • International coverage
  • Multilingual customer support
  • Perfect for students

Customer Reviews

Take a look at these reviews proving that Now Health International is among the best health insurance in Singapore for foreigners:

Now Health has been excellent since the beginning, with clear communication channels and supportive staff. They offered coverage for my partner even with a pre-existing condition (albeit at a higher premium), when many other insurance companies would not even consider us. They have a modern web interface, with easy claim submission and clinic locators. I also have been able to contact a member at the company at any point during the night/day – which is a big plus. I would thoroughly recommend them to anyone seeking international health insurance.”

“I’m really happy with my insurance policy from Now Health. I’d been searching for a global health plan for a while, as I travel regularly. But most policies seemed to have a million different benefits that I wouldn’t use. I basically just wanted emergency cover. I stumbled across the WorldCare Essential plan and it is exactly what I’d been looking for”


5.  AXA Insurance

AXA Insurance's Homepage

BEST FOR  Personal and Business Insurance
SERVICES Health Insurance, Home Insurance, Personal Accident Insurance, Travel Insurance, Car Insurance, and Helper Insurance
ADDRESS 8 Shenton Way, #24-01 AXA Tower, Singapore 068811
CONTACT DETAILS +65 6880 4888
OPERATING HOURS Monday – Friday, 9:00 AM – 5:30 PM

With AXA’s Expat Health Insurance, foreigners will no longer have to worry about paying for basic medical services such as physical check ups, dental treatments, and hospitalisation.

It also covers laboratory tests, transportation in an ambulance, and even repatriation efforts under a worst-case scenario.

Moreover, it has access to a number of world-class hospitals in Singapore such as Mount Elizabeth and Gleneagles Hospital, which is why it’s on our list of the best health insurance in Singapore for foreigners.

Even if you’re overseas travelling for work or leisure, you will also be protected, as it has international medical coverage.


  • Repatriation coverage
  • International medical coverage

6.  Pacific Prime Singapore

BEST FOR  Wide range of insurance plans
SERVICES Individual Plans, Family Plans, Group Plans, Maternity Plans, Dental Insurance, Home Insurance, Jewellery Insurance, Pre-existing Insurance, Business Insurance, Car Insurance, Senior Insurance, General Insurance, Travel Insurance
ADDRESS Cross Street Exchange #14-05,
18 Cross Street,
Singapore, 048423
CONTACT DETAILS Tel: +65 6346 3781
Fax: +65 6722 8610
OPERATING HOURS Monday – Friday: 8am–7pm

Pacific Prime Singapore is definitely one of the best choices in insurance for healthcare, as it covers a wide range of plans and benefits. Their flexible packages help people determine what they should be taking, since each person has a different set of needs.

It’s also perfect for foreigners, particularly to those who often go in and out of the country for various reasons, as Pacific Prime has included a travel and business insurance for them to register in. The travel insurance includes worldwide coverage, inpatient and outpatient coverage, lost baggage and valuables, possible coverage for pre-existing conditions, flight cancellation and delays, as well as cover for water and winter sports.

Each insurance are fully customisable, so you need not worry about having to pay for something that you most certainly wouldn’t encounter in your life.


  • Attentive and Helpful Communications Staff
  • Personalised Plans
  • 24-hour coverage

Customer Reviews

Read what some clients of Pacific Prime Singapore have to say about their top notch services:

“I hold Pacific Prime Insurance Brokers in the highest regard as far as customer service goes especially Jarett Mathew. You folks are top notch. Whether by phone or email, I get the information and answers I need in a prompt and courteous manner. Thanks again for the continued support in choosing an appropriate plan for my insurance needs.”

“Highly knowledgeable in his products. Bolster that with strong customer focus, empathy and a good listening ear to understand the unique needs of his customers is godsend. Jarett Mathew exhibits both and more! Contrary to my selected plan, he proposed a more superior one which meets my immediate needs (at no extra costs)! Responsive even during the weekend when I had enquiries. Truly an insurance professional made in Heaven!”

And that’s it for our list of the best health insurance in Singapore for foreigners. If we missed out on other great insurance providers, don’t hesitate to give us a heads up and tell us what makes them a reliable insurance provider.

By the way, if you’re a foreigner based in Singapore who travels for leisure regularly, then it’s recommended that you protect yourself with the best travel insurance in Singapore. Knowing that you have the back of some of the best insurers in Singapore just makes your trip worry-free and more enjoyable.