Health insurance in Singapore.
The national plan is for citizens and PRs. Hospital bills for foreigners are high, and families are often left out. Here is what to check.
The rules
What Singapore asks of you.
Checked against official sources on 23 October 2026. Rules change, so the broker confirms them again before you apply.
- MediShield Life is for citizens and PRs
Most foreigners on work passes, and their families, are not covered by the national plan and need private insurance.
Source: ask.gov.sg - Work Permit and S Pass: employer pays
Employers must buy at least S$60,000 a year of hospital and day surgery cover. Above S$15,000, the insurer pays 75% and the employer 25%.
Source: mom.gov.sg - Employment Pass: no rule
Employers do not have to insure Employment Pass holders. Check your contract, or buy your own plan.
Source: mom.gov.sg - Families: no cover by default
Dependants are outside MediShield Life and outside the employer rule, so the family needs its own plan.
Source: mom.gov.sg
Foreigners can use public hospitals but get no subsidy for inpatient care. Hospitals can ask for a deposit or a letter of guarantee from your insurer, though emergencies are always treated.
Source: moh.gov.sgLocal or international
We compare both. You keep the one that fits.
Employer plans for Work Permit and S Pass holders are local by law. For your family, or more cover, both local and international plans can work.
- Local plans
Plans sold in Singapore. Often cheaper, sometimes required for your visa. Filed by a broker licensed in Singapore.
- International plans
Plans that cover you in Singapore and beyond, and stay with you if you move again. Filed by our international broker partner.
What to look for
Choosing a plan in Singapore.
Ankyro checks each of these on every plan, so you don’t have to read the fine print.
- The gap over employer cover
S$60,000 of hospital cover is the minimum. Check what your plan adds for outpatient care, specialists and bigger bills.
- The whole family
Employer plans often cover only the employee. Make sure your partner and children are covered too.
- What your employer can charge you
S Pass employers can’t pass the premium on. A co-pay is allowed only if it is in your contract, under 10% of your monthly salary, and for no more than 6 months in every 2 years.
- Direct billing
Check the insurer can issue a letter of guarantee or pay the hospital, so you avoid a large deposit.
Step by step
Getting covered in Singapore.
- 01Check which pass you hold. The employer insurance rule covers Work Permit and S Pass holders. Employment Pass holders are not covered by it.
- 02Work Permit or S Pass: your employer buys it. Your employer must buy at least S$60,000 a year of hospital cover before the pass is issued or renewed. It cannot charge you the premium.
- 03Employment Pass: read your contract. If the contract has no medical plan, buy your own before you start work.
- 04Insure your family separately. A spouse and children are outside MediShield Life and outside the employer rule. Buy their plan before they arrive.
- 05Ask for a letter of guarantee before a planned stay. Public and private hospitals can ask foreigners for a deposit. A letter of guarantee from your insurer avoids paying it upfront.
Common mistakes
3 we see all the time.
- 01Assuming MediShield Life covers you as a foreigner. It covers citizens and PRs.
- 02Thinking every employer must insure you. The rule is for Work Permit and S Pass, not Employment Pass.
- 03Forgetting the family. Dependants are not covered by the employer rule.
Real published prices, and the 6 things that move yours.
Just visiting?For a holiday or a short trip, travel insurance is enough. See what Singapore asks of visitors, and what care costs.
Questions
People also ask.
Do foreigners get MediShield Life in Singapore?+
No, in most cases. It is for citizens and permanent residents.
What is the minimum medical insurance for S Pass and Work Permit holders?+
At least S$60,000 a year for hospital care and day surgery, paid for by the employer.
Do employers have to insure Employment Pass holders?+
No. It is optional, so check your contract or buy your own plan.
Are foreigners subsidised at public hospitals in Singapore?+
Not for inpatient care. Foreigners pay full rates and may be asked for a deposit.
Other countries
Going somewhere else?
Most UK visas don’t ask for private insurance. You pay a yearly surcharge instead, and it opens the NHS. Here is what the surcharge buys, and what you still pay for.
02AustraliaMost visitors can’t use Medicare, and many visas carry condition 8501. Here is what each visa asks for, who gets Medicare, and what to check.
03Dubai and the UAEIn Dubai, no insurance means no visa. Your employer covers you, but not always your family. Here are the rules, and what the basic plan leaves out.
04PhilippinesThe retiree visa asks for a medical certificate, not a policy. The new nomad visa does ask for cover. Here is what each visa needs, and how PhilHealth works for foreigners.
05NetherlandsIf you live or work in the Netherlands, Dutch basic insurance is the law. A few people are exempt. Here is who must sign up, by when, and what it costs in 2026.
06CanadaEach province runs its own health plan, and some make you wait. The super visa has strict insurance rules. Here is how Ontario and BC differ, and what the super visa needs.
07Saudi ArabiaIn Saudi Arabia, no insurance means no iqama. Your employer pays for you and your family, and visitors need a policy too. Here is who pays, and what each policy covers.
08JapanIf you live in Japan, joining public insurance is the law. A private plan can only sit on top. Digital nomads are the exception.
09GermanyEveryone in Germany must be insured, and a residence permit needs cover equal to the public system. Here is how to choose, and what gets rejected.
11ThailandRetirement visas have hard minimums, the DTV has none, and public care is not free for foreigners. Here are the rules, and what to check.
12SpainSpain has the strictest visa insurance rules in Europe: a Spanish-authorised insurer, no co-pays, no waiting periods. Here is what passes.
13MalaysiaPublic hospitals charge foreigners full price, and work schemes only cover injuries at work. Here is what each pass asks for, and what to check.
14QatarMost visitors need a QAR 50 a month policy before Qatar issues a visa. The law covers expats too, but that part is still rolling out. Here are the rules.
15FranceThe public system is open to residents, but not on day 1 if you don’t work, and it only pays part of each bill. Here is how to cover the gaps.
16PortugalThe visa asks for travel medical cover. The public system opens once you are a resident. In between, and after, here is what to check.
17MexicoNo visa asks for it, so many expats skip it. Then a private hospital asks for payment first. Here is how cover really works in Mexico.
18ItalyWorkers join the public system for free. Retirees and nomads need private cover for the visa, then pay at least €2,000 a year to join. Here are the rules.
19South KoreaStay more than 6 months and you must join the national plan. Before that, and for your share of each bill, you need your own cover.
20VietnamOnly long local contracts come with public cover, and most expats use private hospitals anyway. Here is what the rules say, and what to check.
21Bali and IndonesiaMost Indonesian visas don’t ask for insurance. But hospitals ask for payment first, and serious cases fly to Singapore. Here is what to check.
22GreeceThe consulate takes travel cover for the visa. The residence permit then asks for full health cover. If you don’t work for a Greek employer, that means a private plan.
23ColombiaNomads and retirees need a private policy with exact wording. Residents who work must join the public EPS system. Here are the rules.
24Costa RicaResidents must pay into the Caja, whatever private plan they have. Nomads need their own cover for the visa. Here is how it fits together.
25USAThe US has no public plan you can simply join. Some visas set minimum cover. Others leave it to you. Here is what a J-1 needs, who can use the Marketplace, and what plans cost.
26SwitzerlandBasic health insurance is compulsory for everyone who lives in Switzerland. You have 3 months to sign up. Here is how it works, and what to check.
27IrelandNon-EEA students must hold private medical insurance. Everyone else gets public care once they count as living in Ireland for 1 year. Here is what to check.
28Dominican RepublicThe residence visas for retirees and rentistas ask for a medical certificate, not an insurance policy. Public care is limited. Private care is good but costly.
29New ZealandStudent visas require insurance. A work visa of 2 years or more may open public health care. ACC covers accident injuries. Here is what to check.
30IsraelIn Israel, the public system is for residents. If your life is centred there, you join a health fund (kupat holim). If not, you need private cover.
31Hong KongPublic hospitals in Hong Kong are cheap for eligible persons. Many foreigners are not on that list. Here is who is, what the rest pay, and what to check in a plan.
32ChinaIf you work in China on an employment permit, your employer must enrol you in social insurance. That includes basic medical cover. Here is how it works, and what to check on top.
33ArgentinaEmergency care is open to everyone. For other care at national hospitals, foreigners without permanent residence must show insurance or pay first. The rules are new, so check them.
34IndiaWe found no official rule that ties health insurance to an Indian work visa. We also could not confirm a public scheme for foreign residents. So the plan is yours to choose. Here is what to check.
35TurkeyA residence permit application needs valid health insurance for the whole permit. Most new expats buy a private policy. The public SGK system opens later, after 1 year of residence.
36BrazilThe digital nomad visa needs health insurance valid in Brazil. The public system is open to migrants by law. Many expats add a private plan for speed.
37PanamaThe Pensionado visa asks for a health certificate, not an insurance policy. The public system is tied to the Caja. Private care is the main option for most expats.
38South AfricaStudy and exchange visas ask for proof of cover from a registered medical scheme. Public clinics offer free primary care. Here is what to check.
39KenyaKenya’s public fund is run by the Social Health Authority (SHA). A foreigner who lives in Kenya for more than 12 months pays into it. Shorter stays need travel health insurance instead.
40TaiwanTaiwan has one national health insurance. Foreigners with a residence certificate can join. If you have a job, you join through your employer. If not, there is a wait.