Health insurance in Singapore
Medical coverage for expats & foreigners
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Why get private health insurance in Singapore?
Singapore has some of the best hospitals in the world, but as a foreigner, you don't get the subsidies that make them affordable for locals. The public system is built for citizens and permanent residents, so on a work or visit pass, you'll pay full price.
And full price is steep. A private GP visit runs about SGD 140 (€94), and a day in hospital can cost around SGD 1,250 (€840). A week in intensive care can top SGD 50,000 (€33,650). Private cover is what keeps those numbers from landing on you.
How does the healthcare system work in Singapore?
Singapore's public-private system
Singapore's healthcare is world-class. Public hospitals and neighborhood polyclinics are heavily subsidized by the government and reserved for citizens or permanent residents. Foreigners use private GPs and private hospitals (or pay unsubsidized rates at public ones). The upside: English is an official language here, so your care is English-speaking wherever you go.
Learn more about healthcare in Singapore.
Singapore pharmacies & medication
Pharmacies are everywhere. Guardian and Watsons run hundreds of stores between them, and Unity adds 90+ more, most of which have a licensed pharmacist on hand. A few stay open 24/7, including Mustafa Pharmacy in Little India. You'll find over-the-counter medicines, but antibiotics and stronger drugs require a prescription. English labeling and advice are standard.
Emergency services in Singapore
Dial 995 for an ambulance. It's free, available 24/7, and operators handle calls in English. For non-urgent transport (like a scheduled hospital transfer), use 1777 instead. One thing to know: a 995 ambulance takes you to the nearest public hospital. If you'd rather be treated privately, you may need to make your own way there.
What expats need health insurance?
Families
Children on a Dependant's Pass pay full private rates. Maternity leave is excluded from most Employment Pass plans, and international plans usually have a 10–12-month waiting period. It pays to sort out coverage well before you need it.
Students
Singapore's universities automatically enroll students in a group health scheme that covers hospital stays up to around SGD 100,000 (€67,300). Outpatient and dental care aren't included, so many students top up with their own plan.
Visa applicants
Several visas require at least €30,000 in cover plus repatriation. Without a valid policy, your application will be rejected, so it's worth having one in place before you apply.
Get global health insurance that works in Singapore
Plans from €105/month. Sign up online in minutes.
How much is health insurance in Singapore?
Singapore is one of the most expensive places in the world for healthcare, so the bills add up fast without coverage. A private GP visit runs about SGD 140 (€94), a day in hospital costs around SGD 1,250 (€840), and a private C-section starts at about SGD 6,867 (€4,620).
Public healthcare in Singapore
Singapore's public healthcare is built on three schemes: MediSave, MediShield Life, and MediFund, all funded through the national savings system (Central Provident Fund, or CPF). But it's only for citizens and permanent residents. Foreigners on work passes don't get the subsidies, and the top hospital wards often bill them at rates that match or beat those of private hospitals.
Private medical insurance
Our plans start at €105/month for Essential and €157.50/month for Plus. You'll get outpatient and inpatient care, plus extras like dental, mental health, maternity, and medical evacuation.
Visa & health insurance requirements for Singapore
S Pass and Work Permit holders must have employer-paid cover of at least SGD 60,000 (€40,380) a year for hospital care. Other work passes (Employment Pass, ONE Pass, Tech.Pass, and EntrePass) have no set requirement.
Recommended for all major Singapore visas
While not mandatory, health insurance is highly recommended for all people spending time in Singapore due to high healthcare costs.
Documents ready when you sign up
All your documents (insurance certificate in English) instantly in your account.
How does Feather's international health insurance work?
Choose your plan
Compare Essential and Plus, pick your deductible, and sign up in under 5 minutes. No paperwork, no medical exams.
Get your documents instantly
Your confirmation and visa-ready proof-of-coverage documents land in your account straight away.
Visit any doctor
See any licensed doctor, specialist, or hospital in Singapore. No referrals, no network restrictions, no pre-approval.
Upload your bill in the app
Already paid? Open the Feather app, snap a photo of your invoice, and submit your claim in under a minute.
Get reimbursed to your account
We review your claim and reimburse you directly to your bank account. Most claims are processed within two weeks.
Cancel anytime after year one
There's a one-year minimum term. After that, cancel whenever you want. No penalties.
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Why choose Feather?
200,000+ happy customers
Experience insurance crafted by expats, for expats.
100,000+ claims processed
Paid out in three weeks on average.
4.8 Star rating
On over 2,500 reviews.
English-speaking support
Our team speaks your language.
All digital
Sign up, file claims, and manage your policy in our app.
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