Insurance Types
A Quick Guide for Expats in Singapore
Explore the main types of insurance available to expats and why they matter for your peace of mind.
What Are the Main Types of Insurance?
As an expat living in Singapore, you’ll encounter several types of insurance designed to protect different parts of your life. Understanding the basics can help you make smarter choices and avoid gaps in your protection.
1. Health Insurance
Covers medical costs for hospital stays (in-patient), doctor visits (out-patient), specialist consultations, diagnostics, and sometimes dental, vision, or maternity care.
💡 Tip: Singapore’s healthcare is excellent but costly — private hospitals often require proof of insurance before treatment.
2. Life Insurance
Pays a lump sum to your nominated beneficiaries if you pass away. This helps your family cover living expenses, debts, or future plans in your absence.
3. Critical Illness Insurance
Provides a payout if you’re diagnosed with a serious condition like cancer, stroke, or heart disease. This gives financial support for treatment or lifestyle adjustments during recovery.
4. Income Protection Insurance
Offers a regular income if you’re unable to work due to illness or injury. Especially useful for expats without a local safety net.
5. Personal Accident Insurance
Covers accidental injury, disability, or death. Useful for those with active lifestyles or jobs with physical risks.
6. Travel Insurance
Protects you during trips outside Singapore, covering medical emergencies, trip cancellations, and lost luggage.
Why It Matters for Expats
Without insurance, an unexpected event could lead to significant financial strain — especially in a high-cost country like Singapore. The right mix of insurance types ensures you and your family are covered no matter what happens.
Next Steps
Need help figuring out which insurance types are right for your situation? At Interexpat, we specialise in health insurance for expats and can guide you toward a complete protection plan.
