Many expats in Singapore feel that they are under-protected when it comes to medical insurance. Healthcare plans provided by employers for expats in Singapore often have low limits that can leave you financially exposed to large hospital bills if you suffer an unexpected accident or fall seriously ill. Our top-up health insurance coverage is designed to provide additional protection on an individual or family basis.

It always pays to double check what your health care insurance here in Singapore provides if you have been offered a benefits plan by your employer. If you are unsure, call us or leave us a message and we’ll do our best to assist you. You can also make an appointment and bring along a copy of your current expat health insurance plan provided by your employer so we can review the details of your existing coverage.

We will then proceed to discuss what your needs are as an individual or a family and look at how Expat Insurance can make optional additions to your existing healthcare plan to specifically suit you and your loved ones. Depending on your needs at the given time, we’ll be able to recommend the most appropriate top up or optional benefits cover insurance.

About Top Up Cover Insurance

Top-up insurance plans work by increasing your accident, annual and lifetime limits. The aim is for your top-up plan to work in conjunction with your current expat health insurance provided by your employer. We also offer insurance options to extend your coverage so that the bill does not fall to you for payment. This can be done by adjusting some of the deductible options available to you. If this is something that you would like to talk about, let us know. A top-up plan can be especially handy here in Singapore where the bills can escalate quickly for a hospital stay. The last thing that you want in an emergency situation is to be sweating about the bill!

Need Some Help Assessing Your Existing Cover?

Talk to us today about some Top Up options to keep your and yours protected in the case of emergency or illness. Just call +65 6401 9201 or leave your details below and one of our experts will get in touch!

Frequently Asked Questions About Top-Up Cover Insurance

Why do I need top-up cover insurance? 

Your existing insurance plans may not be sufficient to adequately protect you. Top-up cover insurance protects you by providing coverage. As a foreigner in Singapore, you might not have access to the national MediShield LIfe insurance plans provided to Singaporeans and Permanent Residents (PRs) – making it all the more important to take up top-up cover insurance products.

Do I need top-up Insurance if I have an employee benefits package? 

Employee benefits insurance packages provide you with a basic level of coverage that may be insufficient and not offer adequate lump sum payout amounts. You also might have several additional needs which can be met with top-up insurance. If you have to care for your children and partner, consider family insurance. If you are expecting a child, browse the maternity insurance top-up packages available.

Why consider Expat Insurance when purchasing top-up cover insurance? 

Expat Insurance is a well-established top-up cover insurance provider. Our financial advisors are experienced and will guide you through the process, taking you through the different top-up plans and designing a comprehensive plan that’s suited to you and your family’s needs.


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Corporate enquiries:
+65 6439 8026
[email protected]

Individual enquiries:
+65 6401 9201
+65 3110 3220
[email protected]