About us
Hospitalization Coverage for Expats
Comprehensive inpatient and outpatient protection, wherever you are.
Living abroad comes with unexpected challenges—getting hospitalized shouldn’t be one of them. Whether you're admitted for a planned procedure or rushed in for emergency care, having the right hospitalization coverage is crucial to avoid high out-of-pocket medical expenses.
At InterExpat, we help expatriates in Singapore and beyond find health insurance plans that cover every level of hospital care: from outpatient surgery to intensive care.
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 Is Hospitalization Coverage?
Hospitalization coverage includes a broad range of medical services provided in a clinical or hospital setting, such as:
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Outpatient hospitalization: when treatment or procedures don’t require an overnight stay (e.g. cataract surgery or minor fractures)
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Outpatient surgery: operations performed in a hospital or surgical center, allowing same-day discharge
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Hospital day care: for treatments like chemotherapy or dialysis that require several hours of medical attention
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Intensive care: round-the-clock treatment in ICU or HDU for life-threatening conditions
These services are essential, whether for a planned operation or a sudden health crisis.
How It Works for Expats in Singapore
Insurers like April International, Now Health, and Allianz offer:
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Direct billing with leading private hospitals and day surgery centers
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Global coverage for hospital care within and outside your country of residence
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Reimbursement for pre- and post-hospitalisation care
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Coverage for medically necessary stays in ICU or high-dependency units
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Flexible options to combine hospitalization with outpatient or maternity benefits
Depending on your plan, you may be able to choose the level of room (private, semi-private), your deductible, or co-payment terms.
What to Consider
Before enrolling, ask:
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Are outpatient surgeries fully covered under hospitalization, or counted as outpatient care?
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Is there a limit per admission, per year, or per type of treatment?
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Are ICU or emergency stays subject to pre-approval, or automatically included?
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Does the plan cover day-care procedures without admission?
Our advisors will guide you through plan structures to ensure you’re protected across all care levels.
Get the Right Coverage—In and Out of the Hospital
Your insurance should cover more than overnight stays—it should cover every stage of care. We’ll help you find the plan that does just that.
