Embrace the expat life, with the top-up cover you deserve
InterExpat, experts in expat insurance top-ups, offers the most cost-effective solutions to safeguard your health and protect your finances. If your employer is not providing sufficent medical protection, live the expat lifestyle with the right protection you deserve.
Comprehensive coverage without breaking the bank
Affordable supplementary top-up expat health insurance
Enhance your employees' financial security
Offer voluntary top-up options through our API and dashboards for your employees and their dependents.
Find the top-up cover that suits you
InterExpat offers an affordable way to enhance your existing health coverage in Singapore, offering extra protection for high-cost procedures and extended hospital stays.
A top-up cover complements your primary insurance by covering expenses beyond your current policy's limits, ensuring comprehensive care for you and your family.
"I was focused on enhancing our coverage with a dental cover as it was not offered by my employer’s plan, but InterExpat pointed out that our hospitalization limits were insufficient."
Patrick, 43 y.o., family of 4
MODULAR
Wide selection of top-ups including hospitalization, medical expenses, vision, dental, and more.
COMPREHENSIVE
Avoid out-of-pocket expenses and administrative hassles.
SIMPLE
A single point of contact and rapid reimbursement.
Press Release - 11 September 2024: Study Reveals 79% of Employee Benefit Plans in Singapore Provide Insufficient Medical Coverage for Expats - Read More
Leverage on your existing health plan & add on your preferred Top Ups
Let's start by taking a look at your existing plan
Employer plans in Singapore often come with low annual limits, low sub-limits for specific benefits, limited coverage areas, and reduced or no coverage for dependents—sometimes all of the above. As an expat in Singapore on a local benefits package, you’re likely dealing with these limitations, leaving you exposed to uncapped out-of-pocket expenses.
Top-up insurance plans provide additional coverage beyond the limits of your primary health insurance.
Now it's time to explore Top-up options
HOSPITALISATION: Strengthen your health plan with enhanced hospitalization coverage, providing better room options and higher limits to fully protect you from unexpected medical expenses.
OUTPATIENT CARE: Expand your coverage to include outpatient visits, diagnostics, and treatments that don't require hospitalization.
MATERNITY: Boost your maternity benefits for comprehensive coverage of prenatal, delivery, and postnatal care.
DENTAL: Get extra dental coverage for routine check-ups, treatments, and specialized care.
VISION: Supplement your plan with added benefits for eye exams, glasses, and contact lenses.
WORLDWIDE COVER: Extend your health coverage globally, ensuring protection no matter where you are in the world.
MENTAL HEALTH: Provide additional support for mental health services, including therapy sessions, counseling, and psychiatric care.
WELLNESS PROGRAM: Supplement your coverage with wellness programs, offering benefits for preventive care, fitness, and lifestyle management.
CRITICAL ILLNESS: Enhance your plan with coverage for severe illnesses like cancer, heart disease, or stroke, ensuring financial support during critical times.
Who should consider top-up cover insurance?
Expats and individuals with significant or specialized healthcare needs should consider top-up cover insurance. It provides additional coverage to complement existing policies and meets specific health requirements that may not be fully covered otherwise.
Why might some Singapore residents feel under-protected by their medical insurance?
Many residents feel under-protected because employer-provided healthcare plans often have low coverage limits and may not cover all family members or significant medical expenses. This can create gaps in coverage and result in unexpected out-of-pocket costs.
How does top-up cover insurance assist in an emergency?
Top-up cover insurance helps by covering medical expenses that exceed the limits of your primary health insurance in an emergency. This ensures you are protected from high hospital bills and reduces your financial burden during critical times.
How do I choose the right deductible for my top-up insurance plan?
To choose the right deductible, balance the cost of out-of-pocket expenses with affordable premiums. Consider your healthcare needs and financial situation to select a deductible that aligns with your budget while providing adequate coverage.
Preparing to relocate to Singapore?
We walk you through your proposal, and help you secure the right expat health insurance from day one.
4.5%
Healthcare Inflation Rate in Singapore 2023
Are you fully shielded, or just hoping for the best?
15
years of experience
Tap into the expertise of the InterExpat team
Hear From Our Clients
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George Owens
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