# insurancesg.si — insurancesg.si — The expat guide to insurance in Singapore

> Insurance in Singapore for expats and international families: what MediShield Life and CPF cover, employer duties, health, IPMI, life cover, claims and leaving.

- Operator: 小坡险助手 / Xiaopoxian Advisory Desk
- Content lead: Stella 武晓旭 (Stella Wu Xiaoxu), Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
- Contact: WhatsApp +6580670032 · Email 1006479530@qq.com · WeChat sgwealth888
- Updated: 2026-10-24

## Start here: how the system works for you
- [Insurance in Singapore for expatriates: how the system works, what applies to you and where the gaps are](/overview/): National schemes such as MediShield Life cover citizens and PRs, not work-pass holders. What expats already have, what employers must provide, and the gaps.
- [Who regulates insurance in Singapore: MAS, LIA, GIA, SDIC and FIDReC explained for newcomers](/insurance-system/): MAS regulates insurers and advisers; LIA and GIA are trade bodies; SDIC runs the PPF Scheme; FIDReC resolves disputes. What each does for a policyholder.
- [Do CPF, MediShield Life, CareShield Life and DPS apply to expats? A status-by-status guide](/cpf-and-medishield-life/): CPF contributions, MediShield Life, CareShield Life and DPS apply to Singapore citizens and PRs. What changes for EP, S Pass and DP holders, and for new PRs.
- [Employer group insurance vs personal cover: what your company plan does not do](/group-vs-personal-cover/): Group plans are employer contracts: cover ends when the job ends, limits and family cover vary, and pre-existing conditions may resurface. How to find the gaps.

## Choose your cover
- [Health insurance for expats in Singapore: local private plans, Integrated Shield Plans and how hospital bills work](/health-insurance/): Without MediShield Life, expats rely on employer cover, local private plans or IPMI. How plans pay: deductibles, co-insurance and letters of guarantee.
- [International private medical insurance (IPMI) in Singapore: area of cover, underwriting and buying from overseas](/international-medical-insurance/): IPMI pays for treatment across a chosen area of cover and can move with you. How it differs from local plans, how it is underwritten and what to check.
- [Life and critical illness insurance for expats: term, whole life, CI cover and how insurers assess foreigners](/life-and-critical-illness/): Foreigners can generally apply for life and critical illness cover in Singapore, subject to each insurer's rules and underwriting. What insurers ask and check.
- [Insuring your family in Singapore: Dependant's Pass spouses, children, domestic helpers and nominations](/family-and-children/): How to cover Dependant's Pass spouses and children, what employers must insure for a domestic helper, and how nominations and overseas claim documents work.
- [Expat health and life cover compared: MediShield Life, Integrated Shield, local private plans, group cover and IPMI](/compare/): Health and life cover options for expats and new PRs in Singapore compared side by side: who can buy, what pays, portability, regulatory protection and gaps.

## Act and manage
- [Insurance checklist for your first 90 days in Singapore](/first-90-days/): Checklist for new arrivals: confirm your pass and employer duties, read the group benefits summary, close hospital cover gaps, cover dependants, keep records.
- [How to buy insurance in Singapore as a foreigner: from needs review to policy issue](/process/): Seven steps to buying insurance in Singapore on a work pass: needs review, adviser checks, application and disclosure, underwriting, issue and free-look.
- [Making a claim and resolving a complaint in Singapore: documents, timelines and FIDReC](/claims-and-complaints/): How health and life claims work in Singapore, which documents insurers ask for, deaths overseas, and how complaints escalate from the insurer to FIDReC.
- [What happens to your insurance when you leave Singapore: group cover, personal policies, CPF schemes and reporting](/leaving-singapore/): Leaving Singapore ends most group cover and, for PRs who renounce, national schemes. What to check on personal policies, premiums, residence clauses and CRS.
- [Six expat scenarios: who needs what cover, and what usually goes wrong](/scenarios/): Six hypothetical expat households in Singapore, from a single EP holder to a mixed-status family and a departing couple: goals, structure, risks and advisers.

## Reference
- [Expat insurance in Singapore: frequently asked questions](/faq/): Answers to common expat questions in Singapore: MediShield Life, CPF, employer cover, health and international medical insurance, family, claims and leaving.
- [Glossary of Singapore insurance terms for expats (English–Chinese)](/glossary/): Plain-English definitions, with Chinese equivalents, of the Singapore insurance, healthcare-financing, pass and tax terms expats meet when buying or claiming.
- [Sources: official references for expat insurance in Singapore](/sources/): Official sources used on this site: MAS, MoneySense, MOM, MOH, CPF Board, IRAS, SDIC, FIDReC, LIA and GIA pages, with dates, links and the pages using them.

## 中文摘要版
- [在新加坡提出理赔与解决投诉：所需文件、时限与 FIDReC](/zh/claims-and-complaints/): 新加坡医疗险与寿险理赔如何运作、保险公司通常要求哪些文件、在海外身故时怎么办，以及投诉如何从保险公司逐级升级至 FIDReC。
- [外籍人士医疗与寿险保障对比：终身健保、综合健保计划、本地私人计划、团体保险与 IPMI](/zh/compare/): 并列比较新加坡外籍人士与新晋 PR 可选的医疗与寿险保障：谁能购买、谁来付费、能否随身携带、监管保护与常见缺口。
- [公积金、终身健保、终身护保与家属保障计划适用于外籍人士吗？按身份逐一说明](/zh/cpf-and-medishield-life/): 公积金（CPF）缴纳、终身健保、终身护保与家属保障计划（DPS）适用于新加坡公民与永久居民。就业准证、S 准证与家属准证持有人，以及新晋 PR，各有什么不同。
- [在新加坡为家人投保：家属准证配偶、子女、家庭佣工与受益人提名](/zh/family-and-children/): 如何为持家属准证的配偶与子女安排保障、雇主须为家庭佣工购买哪些保险，以及受益人提名与海外理赔文件如何处理。
- [外籍人士新加坡保险常见问题（中文）](/zh/faq/): 用中文回答外籍人士在新加坡最常问的保险问题：终身健保与公积金是否适用、能否买综合健保计划、雇主对就业准证与 S 准证的医疗险义务、离职后团体险怎么办、境外保单的保护差异、寿险资格、帮佣保险、向 FIDReC 投诉的途径、离开新加坡后的保单安排与放弃 PR 的后果。
- [落地新加坡头 90 天的保险清单](/zh/first-90-days/): 新到新加坡的清单：确认准证类型与雇主义务，读懂团体福利摘要，补上住院保障缺口，为家属安排保障，并妥善保存记录。
- [外籍人士新加坡保险术语表（中英对照）](/zh/glossary/): 外籍人士在新加坡投保或理赔时会遇到的保险、医疗融资、准证与税务术语，逐条给出中英对照与通俗释义。
- [雇主团体保险与个人保险：公司保险计划做不到的事](/zh/group-vs-personal-cover/): 团体保险是雇主签订的合同：工作结束保障即止，额度与家属保障因公司而异，既往病症问题可能重新出现。如何找出你保障中的缺口。
- [外籍人士在新加坡的医疗保险：本地私人计划、综合健保计划与住院账单如何支付](/zh/health-insurance/): 没有终身健保，外籍人士依靠雇主保险、本地私人计划或国际医疗险（IPMI）。医疗险如何赔付：自付额、共同保险与担保函。
- [新加坡保险由谁监管：写给新来者的 MAS、LIA、GIA、SDIC 与 FIDReC 说明](/zh/insurance-system/): 金融管理局（MAS）监管保险公司与顾问；LIA 与 GIA 是行业公会；SDIC 负责保单持有人保障计划（PPF）；FIDReC 处理争议。逐一说明它们对保单持有人的意义。
- [新加坡的国际私人医疗保险（IPMI）：承保地区、核保方式与向境外机构投保](/zh/international-medical-insurance/): 国际医疗险（IPMI）在自选承保地区内支付治疗费用，并可随你迁移。它与本地计划有何不同、如何核保、投保前要核对什么。
- [离开新加坡后保险怎么办：团体险、个人保单、公积金相关计划与申报](/zh/leaving-singapore/): 离开新加坡会终止大多数团体险；放弃 PR 的人还会退出国家计划。个人保单、保费、居住条款与 CRS 各要检查什么。
- [外籍人士的寿险与重疾保险：定期寿险、终身寿险、重疾保障，以及保险公司如何评估外国人](/zh/life-and-critical-illness/): 外国人一般可在新加坡申请寿险与重疾保障，但须符合各保险公司的规定并通过核保。保险公司会问什么、查什么。
- [外籍人士新加坡保险指南（中文摘要）：体系怎么运作、哪些适用于你、缺口在哪里](/zh/): 用中文概括新加坡保险体系对外籍人士的适用方式：终身健保、公积金 CPF 与家属保障计划只覆盖公民与永久居民；雇主只对 S 准证与工作准证负有法定医疗险义务；团体险随离职终止；在哪里买保单影响你受到的保护；离开新加坡前要检视什么，以及放弃永久居民身份对保障的影响。
- [外籍人士如何在新加坡购买保险：从需求检视到保单签发](/zh/process/): 持工作准证在新加坡购买保险的七个步骤：需求检视、核实顾问、投保与如实告知、核保、保单签发与冷静期。
- [六个外籍家庭场景：谁需要什么保障，通常在哪里出问题](/zh/scenarios/): 六个假设的新加坡外籍家庭，从单身 EP 持有人到身份混合的家庭，再到即将离境的夫妇：各自的目标、结构、风险与所需专业人士。
- [资料来源：外籍人士新加坡保险的官方参考资料](/zh/sources/): 本站使用的官方来源：MAS、MoneySense、MOM、MOH、CPF 局、IRAS、SDIC、FIDReC、LIA 与 GIA 的页面，附日期、链接及引用这些来源的页面。

## About and disclosures
- [About](/about/)
- [Contact](/contact/)
- [Disclosures](/disclosures/)
- [Network](/network/): Directory of the 33-site Xiaopoxian network

## Network
- [iul.sg](https://iul.sg/): iul.sg — Singapore IUL comparison platform
- [iul.com.sg](https://iul.com.sg/): IUL Academy — how indexed universal life works
- [vul.sg](https://vul.sg/): vul.sg — Variable Universal Life in Singapore
- [vul.com.sg](https://vul.com.sg/): VUL Singapore — the variable universal life guide
- [vul.hk](https://vul.hk/): vul.hk — VUL in Hong Kong vs Singapore
- [term.com.sg](https://term.com.sg/): Term Life Insurance in Singapore
- [term.hk](https://term.hk/): term.hk — Term life in Hong Kong vs Singapore
- [wholelife.com.sg](https://wholelife.com.sg/): Whole Life Insurance in Singapore
- [wholelife.hk](https://wholelife.hk/): wholelife.hk — Whole life in Hong Kong vs Singapore
- [ppli.com.sg](https://ppli.com.sg/): Private Placement Life Insurance (PPLI) Singapore
- [ilp.com.sg](https://ilp.com.sg/): Investment-linked Policies (ILP) in Singapore
- [saving.sg](https://saving.sg/): saving.sg — Savings insurance in Singapore
- [saving.com.sg](https://saving.com.sg/): Savings Plans Singapore
- [savings.sg](https://savings.sg/): savings.sg — Saving and cash management in Singapore
- [xiaopoxian.sg](https://xiaopoxian.sg/): Xiaopoxian — Singapore insurance & wealth knowledge network
- [xiaopoxian.com.sg](https://xiaopoxian.com.sg/): Xiaopoxian Encyclopaedia — Singapore insurance explained
- [vccfund.sg](https://vccfund.sg/): vccfund.sg — Singapore Variable Capital Company guide
- [vccfund.com.sg](https://vccfund.com.sg/): VCC Fund Singapore
- [hnw.sg](https://hnw.sg/): hnw.sg — HNW wealth planning in Singapore
- [hnwi.sg](https://hnwi.sg/): hnwi.sg — The HNWI landing handbook for Singapore
- [hnwsolution.sg](https://hnwsolution.sg/): hnwsolution.sg — HNW solutions: insurance, family office, private banking, wealth
- [hnwsolution.com.sg](https://hnwsolution.com.sg/): HNW Solutions Singapore
- [privatebanking.hk](https://privatebanking.hk/): privatebanking.hk — Private banking guide, Hong Kong × Singapore
- [bankaccount.sg](https://bankaccount.sg/): bankaccount.sg — Opening a bank account in Singapore
- [bankaccount.com.sg](https://bankaccount.com.sg/): Singapore Bank Account Guide
- [vccfund.si](https://vccfund.si/): vccfund.si — Singapore VCC vs global fund vehicles
- [sgvcc.com](https://sgvcc.com/): sgvcc.com — Singapore VCC for family offices and founders
- [vccsg.com](https://vccsg.com/): vccsg.com — Launching and operating a fund in a Singapore VCC
- [xiaopoxian.si](https://xiaopoxian.si/): Xiaopoxian Q&A — 200 questions on Singapore insurance and wealth
- [insurancehk.si](https://insurancehk.si/): insurancehk.si — The Hong Kong insurance landscape
- [ppli.si](https://ppli.si/): ppli.si — Private placement life insurance around the world
- [xiaopoxian.com](https://xiaopoxian.com/): Xiaopoxian Knowledge Network — a map of Singapore and Hong Kong insurance and wealth knowledge

## Data and boundaries
- Every page cites sources and dates; nothing is inferred where sources are silent; guaranteed and non-guaranteed items are labelled separately; illustrations and past performance do not indicate future results.
- This site is operated by the Xiaopoxian content team to provide general education, comparison and reference material, and to register enquiries. It is not an insurer, bank, licensed financial adviser or insurance broker; its content has not been reviewed, approved or endorsed by the Monetary Authority of Singapore (MAS). Personalised advice, official quotations, account opening and application services are provided by the actual licensed or exempt institutions and their appointed representatives.