Deductible Coverage
Understand how deductibles can lower your premium—and what they mean for your hospital bills.
Choosing a deductible is a smart way for expats in Singapore to balance coverage and cost. But what exactly does it mean?
What Is a Deductible?
A deductible is the annual amount you agree to pay out-of-pocket for hospital care before your insurance kicks in. With MyHEALTH, it applies only to the Hospital & Surgery module.
How It Works
You choose from four deductible levels: SGD 0, SGD 2,000, SGD 5,000, or SGD 10,000. If you select SGD 2,000, for instance, you must pay the first SGD 2,000 of eligible hospital costs each year.
Benefits & Considerations
Lower premium for higher deductible
Ideal for those with existing basic insurance who need a top-up
Annual reset—your deductible refreshes each year
Next Steps
Need help choosing the right deductible for your needs? Let’s talk.
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