Quick answer: AXA and AIA are solid go-tos for broad international coverage with high annual limits, while FWD and MSIG suit those watching their budget without giving up the essentials. If mental health support or extended recovery matters to you, Cigna and Great Eastern put those front and centre. Prudential’s generous hospitalisation windows make it a steady pick for families who want to feel looked after long after the bill is settled. Each of these plans is designed specifically for foreigners living in Singapore, so you are not trying to fit into a local scheme.
Not sure this is the right list? Best Investing & Insurance in Singapore has 25 others alongside it.
The insurers worth your time
Moving to Singapore comes with plenty of admin, and finding health cover that actually works for an expat can feel like another chore. These seven providers cut through that. They offer straightforward international plans, reasonable networks across private hospitals here, and claims processes that do not require you to fax paperwork from another decade.
AXA
AXA has been a reassuring name in the expat circle for years. Their international plans are built around the idea that you might need care across borders, and they do not fuss about it. The International Exclusive Plan B gives you an annual limit of up to S$4.5 million, which takes a lot of stress off the table if you are facing something serious. They even cover pre-existing conditions and offer add-ons for maternity, plus virtual doctor consultations so you can skip the queue when you just need a quick prescription. In Singapore, their direct settlement arrangement means you often do not have to pay the hospital upfront and wait for reimbursement — a real load off when the bill runs high.
This is the kind of plan that suits a professional who travels often or a family settling in for the long haul. It feels less like an insurance policy and more like a backstop that lets you get on with your life.
Where to find them:
8 Shenton Way, #24-01 AXA Tower, Singapore 068811
Phone: +65 6880 4888
Monday to Friday, 9:00 AM to 5:30 PM
axaglobalhealthcare.com
Cigna
Cigna makes a lot of sense if your idea of health goes beyond the physical. Their Silver and Gold plans for expats come with annual limits up to S$2 million, and they specifically carve out space for full cancer care and a set number of mental health sessions each year. That recognition — that your head needs as much attention as your body — is not something every insurer bothers with. International evacuation is included, and the network means you can walk into a specialist here without a referral maze.
Their claims line runs 24/7, which is helpful when you are new to a system and just need someone to talk you through it. The modular setup also means you can dial cover up or down depending on whether you are single, partnered up, or raising a young family.
Where to find them:
152 Beach Road, #33-05 The Gateway East, Singapore 189721
Phone: +65 6664 0240
24/7 international hotline support
cigna.com.sg
Nobody paid to appear here. If you think there is a gap in this list, we would rather hear about it than not.
FWD
FWD comes across as the younger, less stuffy player. Their International Health Insurance plan lets you pick a coverage band between S$100,000 and S$3 million, and if you stay claim-free, they actually double your cover at no extra cost. That kind of incentive rewards the same sensible living most of us are trying to maintain anyway. They also throw in accidental death benefits, and dental and maternity add-ons are available if your circumstances change.
The whole thing is managed through a clean digital platform, so you are not chasing paper forms. For a frequent traveller or someone who just wants a portable plan that adapts over the years, FWD is a pretty pai kia choice — scrappy in the best way.
Where to find them:
6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986
Phone: +65 6820 8888
Monday to Friday, 9:00 AM to 7:00 PM; Saturday, 9:00 AM to 1:00 PM
fwd.com.sg
While you are sorting out practical matters, you might also find our guide on Elevating Wellness useful — it rounds up physiotherapy spots that understand bodies pushed hard by work and travel.
MSIG
MSIG’s Prestige Healthcare Elite is one of those plans that leaves you wondering if you are getting more than you paid for. The annual limit goes up to S$900,000, which is already decent, but they also give you pre- and post-hospitalisation cover of up to 120 days, emergency evacuation, and an optional maternity rider. They work closely with local providers, so referrals tend to be smooth, and the outpatient alternatives can keep smaller visits from adding up.
If you are a professional who values straightforward, high-value protection without the atas price tag, this is worth a long look. It is the kind of plan that does not boast loudly, but when you check the policy wording, you realise they have thought through the things that actually happen.
Where to find them:
4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807
Phone: +65 9048 5989
Monday to Friday, 8:45 AM to 5:30 PM
msig.com.sg
AIA
AIA’s HealthShield Gold Max A is specifically for visa holders, which already tells you they understand the expat landscape. The annual limit sits at S$2 million, and private hospital access is standard. A key feature is the 13-month pre- and post-hospitalisation window for critical illnesses — that is a genuinely long span that covers you well before and after a serious event. A concierge service helps with appointments and admin, so you can spend less time on the phone and more time recovering or just living your life.
Families and executives tend to gravitate here because it feels like a complete system rather than a patchwork. Their integrated shield plans also link up with local medical infrastructure in a way that makes the experience hassle-free.
Where to find them:
1 Finlayson Green, Singapore 049246
Phone: 1800 248 8000 (local), +65 6248 8000 (overseas)
Monday to Friday, 9:00 AM to 5:30 PM
aia.com.sg
Nobody paid to appear here. If you think there is a gap in this list, we would rather hear about it than not.
Great Eastern
Great Eastern has been around long enough that your grandparents might have a policy with them, but their expat plans are thoroughly modern. SupremeHealth P Plus gives you S$1.5 million annually, with a 365-day post-hospitalisation window that is among the longest you will find. Outpatient treatments and a medical concierge are included, and they put real weight behind psychiatric coverage, which many plans still treat as an afterthought. Their premiums stay competitive even as you step up to private wards.
For a high-achiever who knows that mental health directly affects performance and family life, this plan feels like a quiet ally. It does not lecture you about wellness; it just builds it into the contract.
Where to find them:
1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659
Phone: 1800 248 2888 (local), +65 6248 2888 (overseas)
Monday to Friday, 9:00 AM to 5:30 PM
greateasternlife.com
Prudential
Prudential’s PRUShield plan covers up to S$2 million annually, and the hospitalisation timeline is generous: 180 days before admission and 365 days after. That matters when you are managing complications, follow-up screenings, or simply trying to get your body back to normal without worrying about cut-off dates. They also fold in teleconsultation perks, which became a habit many of us want to keep even as clinics reopened fully.
Families and professionals who prefer a proactive, integrated approach tend to settle here. The plan feels designed for people who want to feel supported across the whole arc of a health event, not just during the inpatient stay.
Where to find them:
Prudential Tower, 30 Cecil Street, #01-01, Singapore 049712
Phone: 1800 333 0333
Monday to Friday, 8:30 AM to 5:30 PM
prudential.com.sg
If you are also keeping an eye on your heart health, our write-up on Premier Cardiologists in Singapore lists some of the specialists you might end up seeing under these plans. For foot and posture concerns, Podiatrists in Singapore is another helpful read.
How to choose the right plan
Start by thinking about what actually keeps you up at night. Is it the cost of a private hospital stay? The logistics of getting evacuated if something happens during a work trip? The mental load of a difficult year? Each of these seven leans into a different area:
- Annual limit: AXA leads with S$4.5 million, which matters if you expect to use high-end private facilities. FWD and MSIG offer lower bands that still work well for most day-to-day needs.
- Pre- and post-hospitalisation cover: AIA and Prudential give you the longest windows for critical and general care respectively. If you know a planned surgery is coming, those extra months of cover before and after can save thousands.
- Mental health sessions: Cigna and Great Eastern spell these out clearly. If you value therapy or psychiatric support, these plans are not going to make you fight for it.
- Maternity: AXA, FWD, and MSIG let you add maternity coverage, though terms vary. Read the waiting periods carefully — some require you to hold the plan for a set duration before the benefit kicks in.
- Portability: If you might relocate again in a few years, check which plans follow you internationally without underwriting. FWD and AXA tend to be flexible here.
A fair annual premium for a decent expat plan in Singapore typically starts around S$1,500 for a basic private-hospital plan and climbs from there for higher limits, maternity, or US coverage. Ask each provider about their direct settlement partners in Singapore — this one feature can turn a stressful hospital visit into a straightforward one.
| Insurer | Annual limit | Standout feature | Best for |
|---|---|---|---|
| AXA | Up to S$4.5M | Covers pre-existing conditions | Professionals and families needing high limits |
| Cigna | Up to S$2M | Mental health sessions included | Those prioritising mental wellness support |
| FWD | S$100K to S$3M | No-claim bonus doubles cover | Budget-conscious frequent travellers |
| MSIG | Up to S$900K | Affordable tiers with maternity option | Professionals wanting value without gaps |
| AIA | Up to S$2M | 13-month pre/post for critical illness | Families and executives wanting concierge care |
| Great Eastern | S$1.5M | 365-day post-hospitalisation, strong psychiatric cover | High-achievers concerned with full recovery |
| Prudential | Up to S$2M | 180-day pre / 365-day post timelines | Families wanting extended care windows |
Summary
AXA and AIA give you broad, high-limit cover that works across private hospitals in Singapore and beyond. Cigna and Great Eastern put mental and full recovery care right into the policy wording, which can make a real difference when life gets heavy. FWD and MSIG keep things sensible on cost while still covering the essentials, and Prudential’s extended hospitalisation windows offer families a little extra breathing room. Whichever direction you lean, having a plan built for expat life means one less thing to worry about in a city that already keeps you busy enough.
Disclaimer: Details can change. Always confirm the latest terms, premiums, and coverage directly with the insurer before committing.
Frequently asked questions
Which insurer covers pre-existing conditions?
AXA’s International Exclusive Plan B specifically includes coverage for pre-existing conditions. Policies differ, so check the underwriting terms with them directly.
Do any of these plans include mental health or therapy sessions?
Yes, both Cigna and Great Eastern spell out mental health benefits in their plan wording. Cigna’s Silver and Gold plans include a set number of sessions each year, and Great Eastern’s SupremeHealth P Plus has built-in psychiatric coverage.
Can I get maternity coverage as an expat?
AXA, FWD, and MSIG all offer maternity add-ons to their international plans. Typically there is a waiting period before the benefit activates, so it is worth confirming that timeline early.
Which plan has the longest post-hospitalisation cover?
Prudential and Great Eastern both offer a 365-day post-hospitalisation window. AIA goes up to 13 months for critical illnesses specifically, so it depends on the type of claim.
Do any plans reward you for staying healthy?
FWD’s International Health Insurance has a no-claim bonus feature that doubles your coverage amount if you remain claim-free. It is a direct way of making wellness pay off over time.
I travel often. Are these plans portable if I leave Singapore?
Several plans, especially those from AXA and FWD, are designed to be portable internationally. Always confirm the geographical area of cover and any underwriting requirements if you move between regions.
