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Compare & Find The Best Health Insurance in Singapore

We partner with unbiased financial advisors to help you compare and find the best health insurance policies.

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What is Health Insurance?

Shield plans in Singapore are a type of health insurance designed to complement the basic health coverage provided by the compulsory MediShield Life scheme. While MediShield Life offers a safety net for all Singaporeans and Permanent Residents, covering large hospital bills and certain outpatient treatments primarily in Class B2/C wards of public hospitals, Shield plans provide additional coverage. They allow for higher ward classes and even private hospital care, offering broader options for treatment locations and more comprehensive coverage for hospitalisation, surgery, and certain outpatient treatments.

MediShield Life

MediShield Life is a compulsory health insurance scheme in Singapore that provides all Singaporeans and Permanent Residents with basic protection against large hospital bills and selected outpatient treatments, regardless of age or health condition. This forms the core of your health insurance coverage.

Shield Plan

Shield plans are supplementary health insurance policies in Singapore that offer enhanced coverage beyond the basic MediShield Life, including higher ward classes and private hospital care options. These let you get better healthcare treatment at lower costs.

Shield Plan Riders

Shield plan riders are additional optional coverages that can be attached to Shield plans, offering further financial protection by reducing or covering the out-of-pocket expenses like deductibles and co-insurance.

Pros of Health Insurance


Protection That Cares

Imagine a safety net that catches you when life throws unexpected medical bills your way. Health insurance in Singapore does just that, offering comprehensive coverage for hospitalisation, surgeries, and medical treatments.


Financial Security

In the unfortunate event of your absence, your policy ensures that your family's financial stability remains intact. From covering medical expenses to providing a safety net during challenging times, health insurance offers a lifeline of support when your family needs it most.


Medisave Payments

You can use your Medisave funds to pay for your health insurance premiums. Leveraging Medisave for insurance payments not only maximises the utility of your healthcare savings but also promotes proactive financial planning.

Who should get health insurance?

The Planner

Planners meticulously map out their future, including their financial well-being and healthcare needs. For them, health insurance is a natural extension of their proactive approach to life. By securing comprehensive coverage, planners ensure that they are prepared for any health-related contingencies that may arise, allowing them to pursue their goals with confidence and peace of mind.

The Risk-Averse

Risk-averse individuals are cautious by nature and prefer to minimise uncertainty wherever possible. For them, the prospect of facing significant medical expenses without insurance is a source of anxiety. Health insurance provides a sense of security and reassurance, allowing risk-averse individuals to mitigate the financial risks associated with illness or injury. By having insurance in place, they can rest easy knowing that their health and financial well-being are protected.

The Caregiver

Caregivers are compassionate individuals who prioritise the well-being of their loved ones above all else. Whether they are looking after children, ageing parents, or family members with medical conditions, caregivers understand the importance of being prepared for unexpected health-related challenges. Health insurance provides caregivers with peace of mind, knowing that they have the financial resources to access quality healthcare for themselves and their dependents.

Best Health Insurance Plans in Singapore


AIA HealthShield Gold Max

The AIA HealthShield Gold Max is a prominent choice among Singapore's integrated shield plans, offering a robust suite of benefits that complement MediShield Life coverage. Notably, it stands out for its flexibility in catering to Singaporeans, Singapore Permanent Residents, and foreigners with valid work passes. In our comprehensive review of the AIA HealthShield Gold Max, we observed its competitive pricing and extensive coverage options, particularly highlighting the A Plan's claim-based pricing approach. With a generous claim limit of S$2 million and extended pre- and post-hospitalisation benefits, this plan ensures comprehensive protection while minimising financial strain. Additionally, the availability of riders further enhances coverage by reducing deductibles and co-insurance. Despite certain drawbacks in the Lite and Standard plans, such as reduced annual claim limits, the AIA HealthShield Gold Max remains a compelling choice, especially for individuals seeking comprehensive healthcare protection and peace of mind.

NTUC Income Enhanced IncomeShield

The NTUC Income Enhanced IncomeShield stands out offering a reliable option to complement your MediShield Life coverage. Notably, it caters to a diverse range of individuals, including Singaporeans, Singapore Permanent Residents, and foreigners with valid work passes. What sets it apart is its affordability and excellent value proposition, making it an attractive choice for budget-conscious individuals and value-seekers alike. In our review, we found that the NTUC Income Enhanced IncomeShield Basic, Advantage, and Preferred plans offer comprehensive coverage tailored to different preferences and budgetary constraints. The Preferred plan, for instance, provides coverage for private hospital wards with an annual limit of S$1.5 million, offering peace of mind and financial security during medical emergencies. Despite its affordability, the plan doesn't compromise on quality, boasting competitive cost-to-benefit ratios that rival those of more expensive options in the market. Additionally, NTUC Income provides riders like the Deluxe Care Rider and Classic Care Rider, further enhancing coverage and minimising out-of-pocket expenses for policyholders.

Raffles Health Insurance Raffles Shield

One notable strength of the Raffles Shield plans lies in their comprehensive coverage options, catering to a diverse range of healthcare preferences and financial capabilities. With 4 tiers available, from the high-end Raffles Shield Private to the more affordable Raffles Shield Standard, individuals can select a plan that aligns closely with their specific needs, whether it's private hospital care or Class B1 wards in public hospitals. Additionally, the inclusion of pre- and post-hospitalisation coverage across all tiers ensures comprehensive protection against medical expenses, providing policyholders with peace of mind during their healthcare journey. Furthermore, the availability of riders such as the Raffles Key Rider and Raffles Premier Rider offers additional flexibility to enhance coverage according to individual preferences, further solidifying Raffles Shield's position as a robust choice in the integrated shield plan market.

Singlife Shield Plan

Singlife Shield offers various benefits, including coverage for critical illnesses, cancer prevention, planned and emergency overseas treatment, and "As Charged" coverage for hospitalisation, pregnancy complications, cancer, and accidental dental treatment. Although the basic plans may seem pricey compared to competitors, Singlife Shield excels in providing comprehensive coverage rather than focusing solely on affordability. Notably, families can benefit from free coverage for newborns and attractive family discounts, making it an appealing choice for those with children. Additionally, Singlife Shield's riders offer additional benefits such as capped co-insurance, coverage for critical illnesses, mental wellness benefits, and discounted coverage for children. Singlife Shield offers unique features and benefits that make it a compelling option for individuals seeking comprehensive coverage and additional benefits beyond basic hospitalisation plans in Singapore's insurance market.
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Prudential PRUShield

While PRUShield plans generally come at a higher price point compared to competitors, they provide peace of mind and comprehensive coverage that may prove invaluable during times of need. Despite the higher premiums, PRUShield's claims-based pricing system can offer better long-term value for those with a healthy family history. However, it's essential to note that the PRUShield Standard plan lacks pre- and post-hospitalisation coverage, which is crucial for many individuals. On the other hand, PRUShield Plus and Premier plans, although pricier, offer extensive coverage and a hassle-free claims process, backed by positive customer reviews. While PRUShield may not be the most budget-friendly option, its reputation for reliability and efficient claims processing makes it a solid choice for individuals prioritising quality coverage and service.

HSBC Life Shield

HSBC Life Shield demonstrates several strengths that position it favourably among Singapore's integrated shield plans. Notably, its Plan A stands out for offering comprehensive coverage for private hospital stays, with a generous annual limit of $2,500,000 and extensive pre- and post-hospitalisation benefits. The plan's cost-benefit ratio surpasses many competitors, providing exceptional value for money. Additionally, HSBC Life Shield's Enhanced Care rider enhances its appeal by offering additional benefits and limiting out-of-pocket costs for policyholders. While certain plans may have limitations in coverage for Class A and B1 wards, HSBC Life Shield's robust offerings, efficient claims processing, and competitive premiums make it a compelling choice for individuals seeking comprehensive healthcare protection in Singapore.
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Great Eastern GREAT SupremeHealth

Great Eastern's GREAT SupremeHealth stands offers coverage for a wide range of individuals, including Singaporeans, Permanent Residents, and foreigners with valid work passes, making it accessible to a diverse population. Despite certain limitations, such as the shorter pre-hospitalisation coverage period compared to other insurers and the implementation of claims-based pricing, the plan still presents competitive options, particularly for Class B1 and A ward classes. Its highest tier, the Great Eastern SupremeHealth P Plus, provides comprehensive coverage for both public and private hospital wards, along with pre- and post-hospitalisation benefits. Although not the cheapest option, the plan offers a favourable cost-benefit ratio, making it a compelling choice for individuals seeking extensive healthcare protection in Singapore. Furthermore, Great Eastern offers additional riders like GREAT TotalCare and GREAT TotalCare Plus to further customise coverage and minimise out-of-pocket expenses. With efficient claims processing and positive customer reviews, Great Eastern's GREAT SupremeHealth emerges as a strong contender in Singapore's integrated shield plan market, ensuring peace of mind and financial security for policyholders.

How to apply for a comparison session?

Step 1

Submit a request for a comparison session with Life Insurance Singapore. Based on your request, we will match you with one of our MAS-licensed partners.

Step 2

Our partners will obtain quotations from the respective insurers and help you compare based on price, features, and suitability.​

Step 3

Once you've found the perfect health insurance policy, feel free to purchase it from a friend, directly from the insurer, or from our partners!

Do I need health insurance in Singapore?

Health insurance is essential in Singapore to safeguard against unforeseen medical expenses and ensure access to quality healthcare.

How much does health insurance cost in Singapore?

Health insurance costs in Singapore vary based on factors like age, coverage level, and insurer. Generally, premiums range from a less than a hundred to several thousand dollars annually. For instance, basic plans for young individuals can start around $50-$100 per year, while comprehensive coverage for families or older individuals may exceed $1,000 or more annually. It’s essential to compare quotes and consider your healthcare needs when selecting a plan.

Can foreigners get healthcare in Singapore?

Yes, foreigners can access healthcare in Singapore through various channels. They can seek treatment at private hospitals and clinics, where they may need to pay out-of-pocket or use health insurance. Additionally, some public hospitals offer services to foreigners, often at higher rates. Some employers provide healthcare coverage for their foreign employees, while others may need to purchase private health insurance. Overall, healthcare is accessible to foreigners in Singapore, but costs and coverage options may vary.

Can foreigners buy health insurance in Singapore?

Yes, foreigners can purchase health insurance in Singapore. Many insurance providers offer health insurance plans tailored to the needs of foreigners living or working in Singapore. These plans typically cover medical expenses, hospitalisation, and other healthcare-related costs. Foreigners can choose from a variety of insurance options based on their preferences, budget, and specific healthcare needs. It’s advisable for foreigners residing in Singapore to explore different insurance providers and policies to find the best coverage that suits their individual circumstances.

How much health insurance coverage do I need Singapore?

Determining the appropriate amount of health insurance coverage in Singapore depends on various factors such as your health condition, lifestyle, budget, and preferences. Generally, it’s recommended to consider coverage that adequately protects against major medical expenses, including hospitalisation, surgeries, and critical illnesses. Assess your potential healthcare needs, evaluate the cost of medical services in Singapore, and choose a coverage amount that provides financial security without being excessive. Consulting with a financial advisor can also help tailor a suitable health insurance plan based on your specific requirements and circumstances.

What's the difference between an integrated shield plan and international health insurance?

An integrated shield plan is tailored specifically for residents of Singapore and complements the basic coverage provided by MediShield Life. It primarily covers medical expenses incurred within Singapore, including hospitalisation, surgeries, and treatments. On the other hand, international health insurance is designed for individuals who require coverage both locally and abroad. It offers broader geographical coverage, including medical treatment outside of Singapore, making it suitable for frequent travellers or expatriates. Integrated shield plans are regulated by the Singaporean government, while international health insurance policies may be provided by global insurers with coverage in multiple countries.

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