Not on an expat package?

Get the perfect Top-Up


InterExpat offers the perfect solution to fill these gaps in your current health cover or the one offered to you for this new job. It provides you and your family with additional protection while you are living in Singapore.

For individuals

Why Consider a Top-Up ?


Your current primary health insurance provided by your employer or your spouse’s employer may not cover all your needs, especially in cases of extended hospital stays, high-cost procedures or even just to cover your dependants.

InterExpat is the expat Top-Up specialist. We offer extra coverage beyond your existing plan, ensuring that unexpected medical expenses are fully managed. And because you already have this primary cover, a top-up is more affordable.

Benefits of Top-Up Insurance

EXTENDED COVER

Provides additional protection for long-term treatments and high-cost procedures.

AFFORDABLE

Generally lower than primary insurance because coverage starts only after the deductible.

PERSONALIZED

Tailored to your specific needs, offering flexibility and comprehensive protection.

Tailored for every expat lifestyle

Expat Professionals

Top-ups extend coverage for expatriates, covering high medical costs and international travel, ensuring protection beyond primary insurance limits.

New Parents

Maternity top-ups cover extra costs for neonatal care and complications, providing additional financial security for new parents.

Frequent Travelers

Worldwide cover top-ups extend insurance abroad, covering high medical costs and emergencies during travel for comprehensive global protection.

Start-up founders

Top-ups enhance employee health benefits, covering gaps in basic plans and offering additional protection for comprehensive coverage.

How It Works


Top-up insurance is designed to complement your primary health insurance by covering costs that exceed your existing policy’s limits. With a deductible system, you’ll pay a specified amount before the top-up insurance starts.

For example, if your primary plan covers up to $5,000 and you have a $5,000 deductible, the top-up plan will cover any expenses beyond that limit. This system ensures you’re protected from high medical bills without significantly increasing your premiums.

The #1 Top-Up Solution

Hospitalisation

Enhanced hospitalization coverage, providing better room options and higher limits to fully protect you from unexpected medical expenses.

Outpatient Care

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

Extend your health coverage globally, ensuring protection no matter where you are in the world.

And more

Mental Health, Wellness Programs, Critical Illness....

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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Max Tanner

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Kim Wexler

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Billy Jackson

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