Health Insurance in Singapore
Useful information for expatriates in Singapore
Capital City: Singapore
Total area: 716.1 km2
Population: 5,399,200
Money: Currency Converter
Time Zone: List of time zones by country
Calling Code: +65 XXX
Practical Information:
Health Product: Travel Insurance and Health Insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG: Expat Health insurance Information
Here is a brief description of the healthcare system in the country:
· Singapore has a universal healthcare system that aims to be affordable and efficient. It blends a public healthcare sector with a private one.
· Public healthcare is governed by the Ministry of Health. It provides highly subsidized services at public hospitals and clinics.
· Citizens and permanent residents are required to save funds for future health costs via Medisave. It covers basic ward classes.
· There is also a Medishield Life insurance scheme that protects against large hospitalization bills and catastrophic illnesses.
· Private healthcare plays a large role. It offers higher standards in newer facilities but at non-subsidized rates.
· Singapore has a very well-developed healthcare infrastructure with many advanced facilities and universal coverage.
· Outcomes are extremely positive - one of the highest life expectancies globally at around 84 years on average.
· The system focuses on preventative care and primary care is widely accessible to manage costs.
· Overall, Singapore combines universal subsidized access to quality care through its public system with options for private supplemental coverage and facilities. It is ranked among the most efficient and effective in the world.
Here are some key health considerations for expatriates living in the country:
· As a long-term resident, enroll in MediSave for basic subsidized public healthcare access.
· Consider additional private medical insurance plans for flexibility and coverage at higher-end private facilities.
· Advanced pre-existing conditions may require coverage exclusions under MediSave. Ensure adequate private insurance.
· Strict hygiene practices such as handwashing are prudent given population density and risk of outbreaks.
· Become fluent in preventative healthcare and accessing routine/emergency services.
· Access could vary for short-term visitors. Private travel insurance is advisable.
· Consult private doctors or specialists more promptly than at home due to long public wait times.
· Be aware of tropical disease risks like dengue and monitor closely. Seek indoor shelters at high transmission periods.
· Hot/humid climate could impact expats with certain chronic conditions. Monitor regularly.
· Adapt to the general healthy Singaporean lifestyle - diet, exercise, regular checkups, personal responsibility for well-being.
· Overall, Singapore's world-class system provides excellent care options to residents but requires some adjustment by expatriates. Private coverage supplements public care.