About us
Chronic Conditions Coverage for Expats
Long-term care, globally covered.
Managing a chronic health condition while living abroad can be a challenge. Whether it’s diabetes, hypertension, asthma, or another long-term illness, consistent access to treatment, medication, and specialist care is essential. Unfortunately, not all health insurance plans cover chronic conditions—or they limit coverage significantly.
At InterExpat, we help expatriates in Singapore and across the region secure comprehensive coverage for chronic conditions, so your health never gets in the way of your life abroad.
Expert Advice for Your Health Insurance Journey
Finding the right health insurance can be overwhelming. Let our licensed advisors guide you through the process with unbiased advice. We partner with multiple top-tier insurers to give you more choice and the best coverage suited to your needs.
What Are Chronic Conditions?
A chronic condition is a long-term illness that requires ongoing medical care or lifestyle management. Examples include:
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Diabetes
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High blood pressure
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Asthma
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High cholesterol
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Thyroid disorders
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Arthritis
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Depression and anxiety
Unlike acute conditions (like a flu or sprained ankle), chronic conditions involve recurring treatments, ongoing medication, and specialist monitoring—all of which should be covered by a suitable health plan.
How Coverage Works for Expats
We work with insurers such as April International, Now Health, and Allianz who provide plans with:
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Full outpatient coverage for specialist visits, diagnostics, and lab tests
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Prescription medication reimbursement
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Long-term treatment programs including physical therapy and mental health
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Access to chronic disease management programs
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Coverage for both newly diagnosed and pre-existing conditions (subject to underwriting)
Some insurers offer guaranteed renewability, so you’ll remain covered even if your condition progresses over time.
Pre-Existing Conditions: What You Need to Know
If you already have a diagnosed condition before purchasing insurance, insurers may:
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Cover it with no exclusions (after medical underwriting)
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Impose a premium loading (higher cost)
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Apply permanent exclusions
We guide you through the application process and help you choose the insurer most likely to accept your condition with minimal restrictions.
Take Control of Your Long-Term Health
Living with a chronic illness shouldn’t mean compromising your care abroad. With the right insurance, you’ll have access to the treatments and doctors you need, wherever you go.
