In-patient vs Out-patient Insurance Difference
A Guide for Expats in Singapore
Understand the key differences between in-patient and out-patient insurance so you can choose the right health cover.
What is In-patient Insurance?
In-patient insurance covers medical treatments that require you to be admitted to a hospital. This includes:
Surgeries and procedures that need hospitalisation
Overnight stays or longer admissions for observation or recovery
Emergency hospital care following accidents or serious illnesses
💡 Example: If you need an appendix removed or have an accident requiring hospital admission, your in-patient insurance covers these costs.
What is Out-patient Insurance?
Out-patient insurance covers medical care that doesn’t require you to stay overnight in a hospital. This includes:
General practitioner (GP) consultations
Specialist visits and follow-ups
Diagnostic tests like blood work, scans, and X-rays
Physiotherapy and other therapies done on an out-patient basis
💡 Example: Seeing a doctor for flu symptoms or getting an X-ray after a fall would fall under out-patient cover.
Why Does This Matter for Expats in Singapore?
Singapore’s healthcare system offers excellent care — but it can be expensive. Many private hospitals and clinics expect upfront payment or proof of insurance.
Choosing a plan that combines both in-patient and out-patient cover helps you avoid large bills for routine care as well as hospital stays.
Key Considerations
Cost: Out-patient cover increases your premium but can save you money if you need regular doctor visits or specialist care.
Flexibility: Some plans let you choose your level of out-patient cover or exclude it to reduce costs.
Your needs: Families with children, or those with ongoing medical conditions, often benefit from comprehensive out-patient cover.
Next Steps
Not sure which combination suits your needs? Our Interexpat advisors can help you build a health insurance plan that fits your lifestyle in Singapore.
