Best Children Health Insurance
A Guide for Expats in Singapore
Ensure your child gets the right medical protection in Singapore with coverage tailored to their needs.
Why You Need Child-Specific Coverage
While standard health plans may include kids, dedicated children’s insurance ensures protection for age-relevant needs:
Preventive care: Including immunisations, developmental check-ups, dental and vision screenings.
Routine doctor visits: GP and specialist consultations when minor illnesses or injuries occur.
Diagnostics & therapy: Covering medical tests, scans, and therapies like physiotherapy or speech therapy.
Hospital care: Protection for unexpected admissions and treatments.
In Singapore, where healthcare is top-tier but often comes with premium pricing, children’s insurance gives families both peace of mind and financial relief.
What to Look for in a Child Health Plan
Comprehensive outpatient & inpatient cover: Ensure the plan covers both walk-in doctor visits and hospitalisation.
Vaccinations & preventive checkups: Essential for kids, often omitted in adult-focused plans.
Therapy and diagnostic coverage: Important if your child needs services like physiotherapy or imaging.
No‑loading child policy: Some insurers (like APRIL International) offer child-only policies without extra loadings, no waiting period, and full benefits from day one
Trustworthy insurer: Look for established names offering tailored expat children’s plans.
Popular Plan Options for Expat Families
Several Integrated Shield Plans (ISPs) also allow expat children—even without MediShield Life—to access private care:
AIA, Great Eastern, Income, Raffles: Offer tiered integrated shield or foreigner versions with full inpatient and outpatient coverage
APRIL International child-only policy: Provides immediate, no-loading coverage tailored to kids from day one.
Tips for Choosing the Right Plan
Consider a family-inclusive plan: Simplifies billing and admin compared to individual child policies.
Ensure outpatient benefits: Kids often need GP visits and therapy—make sure these are included.
Review annual limits: Singapore treatments can quickly escalate—adequate limits are essential.
Use a broker: A specialist can compare child-specific plans from multiple insurers and highlight options with no loadings or waiting periods.
Final Thoughts
Child-focused health insurance lets you focus on your child’s development—not medical costs. Look for plans with broad outpatient and inpatient coverage, no loading, and preventive tools.
