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Living in a new nation like Singapore may be challenging. There is a lot to consider while moving to Singapore, including safeguarding your safety and adjusting to the local culture. Leave your anxieties behind as we discuss the many forms of expat insurance that are vital to consider when living and working on the little red dot.
Is It Advisable for Expats to Have Insurance in Singapore?
Your resident status determines whether you are required to have health insurance. Furthermore, if you are a citizen or permanent resident, you are required to enroll in the government’s Medisave 以及 Medishield programs (public health insurance).
If you have a work permit or an S-Pass, your company will offer insurance for you. Otherwise, if you are a temporary resident with an Employment Pass, you are not required to obtain any insurance. However, you are strongly encouraged to do so.
Types of Expat Insurance to Consider in Singapore
You may be acquainted with health and life insurance, but did you know that there are several more insurance options to choose from based on your specific needs?
Health Insurance
Starting from the most common insurance type, health insurance covers the high healthcare costs in Singapore, especially for expats and foreigners. Moreover, there is a wide array of health insurance policies that you can consider:
- Medical Expense Insurance: covers the hospital and surgical expenses
- Critical Illness Insurance: applies to those who have been diagnosed with a significant illness
- Long-term Care Insurance: covers the total cost of the care required by one who is unable to be self-reliant
- Prenatal Insurance: covers possible health illnesses during pregnancy (some insurances cover beyond birth too)
Speaking of healthcare, here are some nuggets of information on the types of healthcare options in Singapore.
Public Healthcare
为周边居民提供可获取的医疗保健
私人医疗保健
包括私人医院和诊所，但因拥有更有经验的医生而费用较高
急救服务
拨打995可联系消防和救护服务，他们会直接将患者送往最近的政府医院
处方服务
在从本地注册医生获得处方后，可以重新填充您的药物
如果您是来新加坡学习的留学生，学校会希望您在入学前拥有健康保险计划。此外，持有健康保险的外国学生会享有更多福利，比如赞助保护、紧急医疗撤离、学习中断等！
人寿保险
正如其名，人寿保险为外籍人士和外国人提供全面的生命保险。此外，新加坡有两种类型的人寿保险：
- 定期寿险：在特定期限内投保
- 终身寿险：保障整个生命
残疾保险
残疾保险在某人无法工作时提供部分收入替代，确保财务安全网并保护他们免受重大费用。计划类型有两种：
- 短期残疾计划
- 长期残疾计划
车辆保险
您知道在新加坡车辆保险是强制要求的吗？确保车辆适当投保，以防所有可能的损害是非常重要的。
汽车和摩托车的保险覆盖范围基于不同的保险类型略有不同：
- 综合汽车/摩托车保险
- 第三方、火灾和盗窃汽车/摩托车保险
- 仅第三方汽车/摩托车保险
如果您打算在新加坡购买汽车或摩托车，请务必查看如何 在新加坡转换您的外国驾驶执照！ in Singapore!
家庭保险
家是我们最珍贵的财产之一。尽管法律上没有对家庭保险的要求，但建议我们购买以防止因不可预见事件造成的潜在损失。
以下是一些您应该购买家庭保险的理由：
- 保护您的个人财产免受破坏、火灾和其他危险
- 保护房主免受责任 – 例如因财产内受伤而引发的诉讼
如果您有许多高价值物品，也可以为其投保！在新加坡最常投保的物品包括：
- 空调
- 音视频设备
- 衣柜
- 相机
- 衣物
- 家电
- 珠宝
- 计算机/笔记本电脑
综合保险
综合保险保护居住在新加坡的外国人的资产，同时也包括员工的福利。这包括：
- 旅游保险
- 宠物保险 汽车保险
- 保姆保险
- 个人意外保险
- 家庭保险
为什么外籍人士要在新加坡购买保险？
在了解不同类型保险后，您可能会想为什么要购买这些保险？首先，预防胜于治疗 – 我们无法预测不幸事件何时会发生。
如果您在自己的本国已有现有保险怎么办？
- 确保覆盖范围包括在新加坡居住时的情况
- 向您的保险公司查询在新加坡提供的各种保险计划
国际保险和本地保险有哪些不同？
新加坡有多种类型的移民或外国保险，通常分为两类：
- 1
本地保险计划 – 适用于持有签证在新加坡生活的外国人
- 2
国际保险计划 – 外国人的首选
在考虑新加坡的国际保险或本地保险时，有几个要点需要注意。
覆盖范围
- 本地保险（使用与上面相同的图标）： 在新加坡境内提供额外的保障
- 国际保险： 在多个地区提供保障，有些甚至提供全球保障
虽然一些本地保险计划提供海外保障，但这一保障仅限于新加坡医疗费用所认为的合理范围，且可能仅在紧急情况下使用。
产妇保障
- 本地保险： 不涵盖产妇和分娩费用
- 国际保险： 提供附加选项以涵盖产妇费用和分娩费用
如果您打算在新加坡生孩子，请选择国际保险计划！
有效性
- 本地保险： 除非购买者未能进行必要的支付，否则保持有效
- 国际保险： 大多数计划在离开新加坡后继续有效
保费和免赔额
- 本地保险： 伴随有免赔额，除非购买附加选项以涵盖免赔额费用
- 国际保险： 允许您选择任何所需的免赔额，并且有些人可能更愿意支付比通常更高的保费以避免支付免赔额。
共支付金额
- 本地保险： 包括共支付部分，最低比例为5%。但是，可以选择购买附加选项以限制年度共支付金额的最大值
- 国际保险： 可选择多种共支付金额，并选择支付较高的保费以避免支付共保险费
新加坡的保险支付和保费
深入了解支付和保费，两种类型的保险在支付金额和支付方法上有很大的差异，例如：
总的来说，本地保险的保费通常比国际保险便宜，因为保护范围仅适用于新加坡，而国际保险由于其广泛的保障和额外福利而更昂贵。
如何选择健康保险：本地还是国际？
由于医疗和牙科费用可能飙升，保险提供了重要的安全网。因此，强烈建议移民购买国际健康保险，以保护自己免受潜在医疗紧急情况的影响。
在新加坡，许多雇主为其移民提供本地健康保险。然而，覆盖范围往往不足。例如，牙科、家属可能未涵盖，索赔可能设置上限。
鉴于这些因素，大多数移民会同时拥有本地和国际保险。此外，这让他们获得更大的保障和安心（因为限制更少）。
外国人如何在新加坡购买国际保险
如果您是一名希望在新加坡获得国际保险的外国人或移民，您可以通过本地保险提供商或位于新加坡的保险公司进行购买。此外，您还可以在线购买国际保险计划，针对那些未在新加坡实体的保险公司。
如果您还未 搬到新加坡 或计划搬到新加坡，无论是工作还是永久居留，我们都很高兴欢迎您！让我们帮助您在新加坡的过渡变得顺利，我们将为您提供从开始到结束的管理以确保您的 就业通行证 (EP).
常见问题
Every child’s specific life situation and health condition is different. Therefore, all parents need to consider different factors when selecting a suitable health insurance policy for their children.
Nevertheless, there are also certain factors which the vast majority of parents who purchase health insurance for their children must take into consideration. These factors include inpatient and outpatient treatment, parental accommodation for instances in which the child must be hospitalised.
If the parents plan to have another child, health insurance plans can and should be tailored to fit the additional child as well.
Singapore insurance plans provide coverage for their buyers regardless of whether they are currently in Singapore or abroad. Thus, those who have purchased Singapore insurance will receive coverage even after leaving Singapore. Furthermore, foreigners in Singapore have multiple insurance options. They may opt to use either local or international insurance plans. The primary advantage of an international insurance plan lies in the fact that the person who purchased the international insurance plan will benefit from global coverage. Local insurance plans, on the other hand, only provide coverage abroad during emergencies. International insurance also provides one with the privilege of directly paying a healthcare provider instead of first paying an insurer.
Foreigners who have Singapore insurance also receive inpatient benefits. Such benefits cover the surgical and hospitalisation costs incurred by foreigners. This insurance provides foreigners with complete reimbursement during their time in hospital. This reimbursement includes surgery, medicine, and diagnostic tests. Foreigners also receive outpatient benefits if they do not have to remain in a hospital overnight. This benefit is provided to foreigners who are required to see a specialist or therapist.
Travel insurance and emergency insurance also help an insured person who is on vacation. Thus, such a person will be properly insured if any medical emergencies are experienced while away.
A person can be insured in Singapore and another foreign country at the same time. However, certain problems may arise for those who are using local insurance from Singapore which does not cover them globally. Thus, if such a person faces any health-related problems in another country, the person must pay for any necessary expenses.
However, those who use international insurance from Singapore can take advantage of the insurance benefits regardless of their location at any given time. Local insurance covers foreigners who return to Singapore for treatment. Foreigners who have international insurance but choose not to return to Singapore can opt out of the insurance policies which are to be used in the country. Those who do so are released from the burden of paying a premium.
Foreigners in Singapore of any nationality may use insurance policies in Singapore. They may take advantage of benefits provided which are related to health, travel, medical, car, home, or life insurance.
Many foreigners who live and work in Singapore are also insured by their employers; however, such insurance might not necessarily provide all the coverage which may be needed. Those who find that the insurance provided by their employers is deficient in some regards are therefore encouraged to purchase their own insurance to receive more personalised and suitable coverage.
那些 organise an event in Singapore are advised to purchase insurance before doing so. Event organisers who work for a client will also occasionally require insurance for event liabilities as per the client’s demands before the job may be accepted. This insurance ought to provide for property damages or losses as well as comprehensive general public liability of a sum which does not exceed S$1 million per claim.
Many higher education institutions in Singapore offer their students certain forms of insurance. Such forms of insurance usually include travel insurance, insurance for personal accidents, and insurance for hospitalisation, among others.
However, it should also be noted that insurance provided by educational institutions grants a bare minimum of protection. Students who desire additional forms of protection through insurance are advised to own a form of personal insurance which provides many other forms of coverage which are not addressed by that provided by a school or university.
Foreigners in Singapore of any nationality may use insurance policies in Singapore. They may take advantage of benefits provided which are related to health, travel, medical, car, home, or life insurance.
Many foreigners who live and work in Singapore are also insured by their employers; however, such insurance might not necessarily provide all the coverage which may be needed. Those who find that the insurance provided by their employers is deficient in some regards are therefore encouraged to purchase their own insurance to receive more personalised and suitable coverage.
A person can be insured in Singapore and another foreign country at the same time. However, certain problems may arise for those who are using local insurance from Singapore which does not cover them globally. Thus, if such a person faces any health-related problems in another country, the person must pay for any necessary expenses.
However, those who use international insurance from Singapore can take advantage of the insurance benefits regardless of their location at any given time. Local insurance covers foreigners who return to Singapore for treatment. Foreigners who have international insurance but choose not to return to Singapore can opt out of the insurance policies which are to be used in the country. Those who do so are released from the burden of paying a premium.
Those who organize an event in Singapore are advised to purchase insurance before doing so. Event organizers who work for a client will also occasionally require insurance for event liabilities as per the client’s demands before the job may be accepted. This insurance ought to provide for property damages or losses as well as comprehensive general public liability of a sum which does not exceed S$1 million per claim.
Many institutions of higher education in Singapore offer their students certain forms of insurance. Such forms of insurance usually include travel insurance, insurance for personal accidents, and insurance for hospitalization, among others.
However, it should also be noted that insurance provided by educational institutions grants a bare minimum of protection. Students who desire additional forms of protection through insurance are advised to own a form of personal insurance which provides many other forms of coverage which are not addressed by that provided by a school or university.
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