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Orphan Policy
What Expats in Singapore Should Know
Understand what an orphan policy is, how it affects your insurance, and what you can do about it.
What is an Orphan Policy?
An orphan policy refers to an insurance policy where the original broker or agent who sold or managed your plan is no longer available to support you. This might happen because the broker has left the company, changed industries, retired, or their license was revoked.
For expats in Singapore, an orphan policy can leave you without the guidance and service you expected — making it harder to manage claims, renewals, or updates to your plan.
How Does an Orphan Policy Impact You?
No dedicated contact: Without a broker, you may struggle to get clear answers or help with your policy.
Service gaps: You could miss important updates about your policy, renewal reminders, or advice on better coverage options.
Claims support: Navigating claims may become stressful without a broker to guide and advocate for you.
💡 Tip: If you feel unsupported, you don’t need to stay with an orphan policy — you can appoint a new broker.
What Can You Do?
Appoint a new broker: You can assign a new broker, like Interexpat, to take over servicing your existing policy at no extra cost.
Request a review: A new broker can review your plan, identify gaps or better options, and help with renewals or claims.
Stay proactive: Don’t wait for an issue — act early to ensure you always have expert support.
Benefits of Having an Active Broker
Personalised advice: Get guidance tailored to your health, family, and expat lifestyle.
Claim support: A broker helps you submit claims correctly and follows up if issues arise.
Ongoing review: Make sure your cover evolves as your needs change.
Next Steps
If you suspect your policy is orphaned or you’re not receiving the support you need, Interexpat can help. We specialise in health insurance for expats in Singapore and can make the switch easy.
