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Do I need to top up my health insurance?

Ask the Experts


Do I need to top up my health insurance provided by my employer?


Whether you have recently arrived or been living in Singapore for a few years, you know that our island state is renowned for its high-quality healthcare.


Unlike in your home country, Singapore does not offer any coverage for hospitalisation, maternity, dental expenses, accidents and critical illness. You may have cover in place under your employer, but to what extent are you and your family covered? Are you leaving yourself exposed to financial risk?


Take maternity for example. Often newborn babes need a little extra care and paediatric attention or spend time in neo-natal ICU for even minor matters like jaundice. Daily visits back to the doctor to check levels after discharge can be ongoing and expensive.


Doctors and new parents are ultra-conservative which drives the cost of care for newborns very high. As most employee benefit programs do not cover maternity, the best way to protect against this is to insure yourself 12-24 months ahead of conception and then add your baby once arrived.


At Expat Insurance we have seen bills exceed $180,000 in the first 30 days for extreme cases. Even in routine delivery, typically the bills for baby will exceed $2,000 just for the routine care immediately following birth while in hospital 3-4 days.


Don’t wait until it’s too late, understand your level of cover. Expat Insurance offers a free consultation service for all your insurance needs including Medical, Home & Contents, Travel and top up to existing employee benefits programs.  Call +65 6401 9201 email: [email protected] or visit


Medical Insurance For Expats In Singapore GET A QUOTE

Having evaluated the numerous products available in the Singapore market, Expat Insurance has identified those that offer the broadest coverage, catering to the unique needs of expatriates.

Expat Insurance is registered as an independent insurance broker with MAS (Monetary Authority of Singapore).  We work directly for our clients, so when you engage our brokerage we focus on your needs and understanding your family’s needs before recommending appropriate products and solutions in the market.  We are licensed to work with all carriers regulated in Singapore, so you have access to a wide range of products.  Our job is to take great care of you and your family to ensure you get the best value for money coverage available.

Authored By John Ntatsopoulos


Over the course of his 34 years career, our CEO, John, have worked predominately in the area of insurance and financial services across major APAC…


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