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International Health Insurance
Protect you and your family with expat insurance while working or studying abroad
The International Health Insurance is the perfect medical plan for you, wherever in the world you may be. Enjoy access to a network of world-class medical facilities and be covered for dental and vision. What's more, get a no claims bonus if you stay healthy. Whether you're looking for expat insurance or overseas student insurance, our plan is just right for you.
The International Health Insurance coverage at a glance
Choose up to S$3,000,000 for hospitalisation benefits
Double your hospotalisation annual limit with no claim bonus
Reload of hospitalisation annual limit in case of an accident
World class medical facility around the globe
| Essential | Extensive | Elite |
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- Hospital & Surgery
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Annual Limit per person S$2 million S$4 million S$6 million Hospitalisation (inpatient and day patient costs)2 Covered Covered Covered Pre-hospitalisation benefits 30 days 90 days 180 days Post-hospitalisation benefits 90 days 120 days 180 days Parental accommodation Covered Covered Covered Outpatient surgery2 Covered Covered Covered Cancer Treatment Covered Covered Covered Kidney Dialysis Covered Covered Covered Organ Transplant Covered Covered Covered Congenital and hereditary Conditions1 N.A. S$135,000 S$270,000 Neonatal Disabilities1,3 N.A. S$135,000 S$270,000 Adding newborns from birth without underwriting N.A. As long as the parent is insured for 1 year and renews. Underwriting will apply for adoptions, birth following assisted conception & surrogacy As long as the parent is insured for 1 year and renews. Underwriting will apply for adoptions, birth following assisted conception & surrogacy Complications of pregnancy N.A. Covered Covered HIV/AIDs1,3 S$135,000 S$270,000 Covered - Assistance Included in Every Hospital Plan
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Emergency medical evacuation and repatriation Up to US$1,000,000 Up to US$1,000,000 Up to US$1,000,000 Repatriation of remains Covered Covered Covered Cash advance Covered Covered Covered Legal expenses and assistance Covered Covered Covered Compassionate travel Return economy class airline ticket and hotel accommodation up to US$150 per night for a max of 7 nights Return economy class airline ticket and hotel accommodation up to US$150 per night for a max of 7 nights Return economy class airline ticket and hotel accommodation up to US$150 per night for a max of 7 nights - Optional Outpatient
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Annual Limit for Outpatient Benefits (Pre & post hospitalisation expenses are covered under the hospital module you select) S$7,000 Covered Covered Outpatient Co-insurance NIL or 20%
Co-insurance waived at Panel Network ProvidersNIL or 20%
Co-insurance waived at Panel Network ProvidersNIL or 20%
Co-insurance waived at Panel Network ProvidersGPs and Specialists Covered Covered Covered Medicines, scans and tests Covered Covered Covered Physiotherapy with referral S$1,500 Covered Covered Outpatient Mental and Nervous Conditions N.A. S$4,800 S$10,000 Complementary Medicine and Traditional Chinese Medicine S$300 S$2,000 S$8,000 Medical appliances and mobility aids S$2,500 S$5,000 S$10,000 Medical check-up and Vaccinations N.A. S$1,000 S$2,500 Adult preventive health screening S$300 (Panel only) S$500 Covered Child health screening N.A. S$500 Covered Routine Outpatient Maternity2 N.A. N.A. S$6,500 per pregnancy - Optional Maternity
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Pre- and post-natal care, delivery and newborn care3 S$7,000 per pregnancy S$13,500 per pregnancy S$20,000 per pregnancy - Optional Dental and Optical
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Minor dental treatment (e.g. cleaning, simple extractions) S$1,400 S$1,400 S$1,400 Major dental treatment (e.g. implants, root canal, orthodontics)3 N.A. S$3,400 S$3,400 Eye exams, frames, prescription contact lenses and lenses N.A. N.A. S$400
1 Lifetime Limit
2 Pre-authorisation Required
3 Waiting Period Applies