The 10 Best Health Insurance in Singapore

Compare reputable health and hospitalisation insurance options for Singapore residents, families and expats.

Reviewed by our editors · Updated July 2026 · How we rank

Our verdict: AIA Singapore is the best health insurance in Singapore right now - best all-rounder for comprehensive shield coverage. Prudential Singapore runs it closest.

Choosing health insurance in Singapore usually starts with the ward class and hospital type you want covered. Singaporeans and PRs often compare Integrated Shield Plans because they sit on top of MediShield Life and can be partly paid with MediSave, while foreigners and globally mobile residents may need private medical insurance that is not tied to MediShield Life.

The strongest plans are not always the cheapest. Look closely at annual limits, pre- and post-hospitalisation windows, cancer drug coverage, panel specialist rules, rider co-payment caps, claims service and how easy it is to get a letter of guarantee before admission.

01
AIA Singapore
89/100
A broad Integrated Shield option with high annual limits and a large health ecosystem.
1 Finlayson Green, Singapore 049246
aia.com.sg
$$$$ price range
“Best all-rounder for comprehensive Shield coverage” - our editors
THEBESTSG STAFF REVIEW
AIA is one of the easiest names to recommend for people who want a comprehensive, mainstream hospitalisation plan with plenty of supporting services. The HealthShield Gold Max proposition is especially strong on annual limits, long pre- and post-hospitalisation support through preferred providers, and the way it plugs into AIA Vitality. The trade-off is that the richer experience depends on understanding preferred provider and rider rules, so buyers should not compare premiums alone.
Why AIA Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns the top spot for combining strong coverage limits, lifetime protection, established claims infrastructure and a well-developed healthcare partner ecosystem.
AIA Singapore offers AIA HealthShield Gold Max, a MediSave-approved Integrated Shield Plan that combines MediShield Life with private insurance coverage for public or private hospital treatment. Its top-tier plan highlights up to S$2 million in annual claim limit, lifetime coverage and access to AIA's preferred provider network. The insurer also links hospitalisation cover with AIA Vitality, telemedicine, health screening, personal case management and other healthcare support services. AIA's positioning is strongest for customers who want a major insurer with broad health infrastructure, digital servicing and a wide adviser network.
THE EDITORS' SCORECARD - 89/100
Unique Service Proposition18/20
Quality of Service19/20
Accessibility18/20
Value for Money15/20
Innovation19/20
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02
Prudential Singapore
88/100
A major insurer offering PRUShield with strong panel and rider support.
30 Cecil Street, #01-01 Prudential Tower, Singapore 049712
prudential.com.sg
$$$$ price range
“Strong for managed private hospital access” - our editors
THEBESTSG STAFF REVIEW
Prudential stands out for making the hospital journey more managed, particularly through PRUPanel Connect for eligible private hospital customers. The product suite is clear enough for families comparing public versus private hospital access, and the rider structure is competitive for people who want to limit bill shock. The honest caveat is that panel and rider eligibility matter a lot, so customers should check whether their preferred specialist or hospital sits within the right arrangement.
Why Prudential Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
Prudential ranks highly for its recognisable PRUShield franchise, structured panel support and strong servicing ecosystem for hospitalisation claims.
Prudential Singapore's PRUShield is a MediSave-approved Integrated Shield Plan for Singaporeans and PRs, with private health insurance options also available for foreigners. The plan is structured around tiers for restructured and private hospital care, with PRUExtra riders for broader out-of-pocket protection. Prudential also offers PRUPanel Connect for eligible customers, providing value-added services such as appointment support, concierge help at partner private hospitals, cashless transactions and higher electronic letters of guarantee. It is a strong option for customers who want a recognised insurer with an active medical panel framework.
THE EDITORS' SCORECARD - 88/100
Unique Service Proposition18/20
Quality of Service18/20
Accessibility18/20
Value for Money15/20
Innovation19/20
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03
Income Insurance
87/100
Established local insurer with Drivo plans, Orange Force assistance and broad cover options.
income.com.sg
$$ price range
“Best value-leaning major local option” - our editors
THEBESTSG STAFF REVIEW
Income remains one of the safest mainstream picks for drivers who want an established local name and a structured claims ecosystem. Orange Force is the main reason many Singapore motorists keep it on their shortlist, especially those who want guided help after an accident. The plan ladder is also clear, with workshop flexibility available at the higher tier. The trade-off is price: drivers focused purely on the lowest premium may find direct insurers sharper.
Why Income Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for its established Singapore presence, comprehensive Drivo structure, Orange Force accident support and practical add-ons for everyday family drivers.
Income Insurance offers Drivo Car Insurance for private-car owners in Singapore. The product includes comprehensive accident cover, unlimited windscreen cover, third-party property damage cover up to $5,000,000, personal accident benefits and towing support. A key differentiator is Orange Force, Income's accident response team, which provides accident assistance in Singapore. Drivers can choose among Classic, Advantage and Premium plans, with Premium allowing repairs at a preferred workshop. Optional benefits include NCD protection, excess waiver cover, daily transport allowance and roadside assistance and wellness cover.
THE EDITORS' SCORECARD - 87/100
Unique Service Proposition17/20
Quality of Service19/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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04
Great Eastern Life
86/100
An established insurer with GREAT SupremeHealth and concierge-led medical support.
1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659
greateasternlife.com
$$$$ price range
THEBESTSG STAFF REVIEW
Great Eastern is a strong pick for people who value a traditional insurer with a deep local footprint and human servicing. The Great Medical Care Concierge is a useful differentiator because hospitalisation claims are not only about limits, but also about getting guided to the right specialist and pre-authorisation route. The trade-off is that the best rider economics are tied to panel and partnering medical institution rules, so flexibility should be checked upfront.
Why Great Eastern Life made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns its place through a long-standing Singapore presence, solid Shield coverage and a useful concierge model for specialist referral and pre-authorisation.
Great Eastern Life offers GREAT SupremeHealth, an Integrated Shield Plan for Singapore residents who want additional hospitalisation coverage beyond MediShield Life. Its health proposition includes GREAT TotalCare supplementary plans and the Great Medical Care Concierge, which provides 24/7 support, service desks at partnering medical institutions, referrals to more than 800 private panel specialists and help with pre-authorisation. The brand is one of Singapore's most established life insurers, with broad adviser distribution and strong familiarity among multi-generation policyholders.
THE EDITORS' SCORECARD - 86/100
Unique Service Proposition17/20
Quality of Service18/20
Accessibility17/20
Value for Money16/20
Innovation18/20
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05
Singlife
85/100
A digital-forward insurer with Singlife Shield and strong app-based servicing.
5 Straits View, #01-18/19 Marina One The Heart, Singapore 018935
singlife.com
$$$ price range
THEBESTSG STAFF REVIEW
Singlife is worth shortlisting if you prefer a newer, digital-centred insurer but still want the scale inherited from the Aviva Singapore business. The app and online servicing are useful for everyday policy management, while the Shield product covers the familiar hospitalisation need. The trade-off is that customers who prefer a very traditional branch-heavy experience may find the brand's self-service approach more prominent than some older insurers.
Why Singlife made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
Singlife ranks well for its scale, modern servicing model and relevance to customers who want health cover managed through digital channels.
Singlife offers Singlife Shield, its Integrated Shield Plan for hospitalisation coverage in Singapore. The insurer grew through the merger of Singlife and Aviva Singapore, giving it a sizeable insurance base while retaining a more digital-first brand identity. Its health insurance range sits alongside life, critical illness, maternity, accident and group insurance products, with customer servicing through MySinglife and a central service centre at Marina One. Singlife is especially relevant for customers who want a modern insurer with app access and a broad protection suite.
THE EDITORS' SCORECARD - 85/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility17/20
Value for Money16/20
Innovation18/20
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06
HSBC Life Singapore
84/100
A bank-backed insurer offering HSBC Life Shield after AXA Singapore integration.
38 Beach Road, #03-11 South Beach Tower, Singapore 189767
insurance.hsbc.com.sg
$$$ price range
THEBESTSG STAFF REVIEW
HSBC Life is a good fit for customers who already bank with HSBC or want insurance from a global financial group. The AXA Singapore integration gave the business a more meaningful health insurance footprint, and HSBC's wider wealth platform may suit families consolidating protection and planning. The trade-off is transition complexity: customers should confirm the exact Shield version, rider terms and servicing route before assuming old AXA details still apply.
Why HSBC Life Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is included for its global brand strength, Singapore health insurance continuity after AXA and convenient bank-insurance ecosystem.
HSBC Life Singapore offers HSBC Life Shield, an Integrated Shield Plan that came from HSBC's insurance platform after the AXA Singapore integration. The insurer combines health, life, wealth and legacy planning products under the HSBC Life brand, with a customer service centre at South Beach Tower and registered office at Marina Bay Financial Centre. HSBC Life is notable for serving both everyday protection needs and higher-net-worth insurance planning, while maintaining a hospitalisation product in Singapore's private health insurance market.
THE EDITORS' SCORECARD - 84/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility17/20
Value for Money16/20
Innovation17/20
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07
Raffles Health Insurance
83/100
A healthcare-linked insurer offering Raffles Shield and hospital-centred support.
585 North Bridge Road, Raffles Hospital, Level 1, Singapore 188770
raffleshealthinsurance.com
$$$ price range
THEBESTSG STAFF REVIEW
Raffles Health Insurance is the most healthcare-embedded option on this list. For customers who already use Raffles Medical or value a hospital-linked insurer, the pathway from insurance to specialist appointment, pre-authorisation and care can feel more direct. The trade-off is that its footprint is narrower than the biggest multi-line insurers, so buyers should compare panel breadth and non-Raffles hospital flexibility before committing.
Why Raffles Health Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It stands out for combining insurance with Raffles Medical Group's healthcare infrastructure, making it a distinctive hospital-linked option.
Raffles Health Insurance is part of the Raffles Medical Group ecosystem and offers Raffles Shield for individual health insurance in Singapore. Its customer centre is located at Raffles Hospital, with operations also supported from Tannery Lane. The insurer's positioning is distinct because it is closely connected to a private healthcare group with Raffles Hospital, clinics and specialist services. Its site also supports personal claims, letters of guarantee, pre-authorisation and specialist appointment pathways for Raffles Shield customers.
THE EDITORS' SCORECARD - 83/100
Unique Service Proposition17/20
Quality of Service16/20
Accessibility16/20
Value for Money16/20
Innovation18/20
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08
Cigna Healthcare
82/100
A global medical insurer for expats and internationally mobile residents.
152 Beach Road, #33-05/06 The Gateway East, Singapore 189721
cignaglobal.com
$$$$ price range
THEBESTSG STAFF REVIEW
Cigna is one of the stronger choices for expats who need portable medical cover beyond Singapore. The main appeal is international continuity, especially for people who move countries, travel frequently or want access to overseas treatment networks. It is less relevant for Singaporeans mainly comparing MediSave-payable Shield plans, and premiums can be materially higher than local public hospital cover. For the right profile, though, it solves a different problem very well.
Why Cigna Healthcare made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is selected for global portability, Singapore branch presence and strong relevance to expats needing international private medical insurance.
Cigna Healthcare provides international private medical insurance for individuals, families and employers, including cover for people living in Singapore. Its global individual health plans are designed for expats, families, students, retirees and people working abroad, with Singapore listed as a covered destination. Cigna has a Singapore branch address at The Gateway East and publishes local contact details for global individual policyholders. It is best considered by foreigners, frequent travellers and globally mobile professionals who need international medical access rather than a MediSave-linked Integrated Shield Plan.
THE EDITORS' SCORECARD - 82/100
Unique Service Proposition18/20
Quality of Service17/20
Accessibility15/20
Value for Money14/20
Innovation18/20
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09
Allianz Care
81/100
A global health insurance provider for individuals, families and employers.
allianzcare.com
$$$$ price range
THEBESTSG STAFF REVIEW
Allianz Care is a credible global option when the priority is international medical access rather than local MediSave integration. Its strength is scale: large provider access, multilingual support and services designed around mobile lives. The trade-off is that it is not the natural first stop for Singaporeans comparing Integrated Shield Plans, and pricing should be weighed against how often overseas coverage is actually needed.
Why Allianz Care made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns a place for its global insurer reputation, broad international health proposition and suitability for expats or employers with mobile staff.
Allianz Care provides international health insurance and benefits for individuals, families, employers and globally mobile workforces. Its plans focus on people living, studying or working abroad, with services such as telehealth, expat assistance, travel security and international provider access. Allianz Care publishes a 24/7 multilingual support proposition, global provider network claims support and international healthcare plan options for personal and corporate customers. For Singapore residents, it is most relevant to expats and companies needing cross-border medical coverage rather than a local Integrated Shield Plan.
THE EDITORS' SCORECARD - 81/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility15/20
Value for Money14/20
Innovation18/20
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10
Pacific Prime Singapore
80/100
A specialist health insurance broker comparing local and international medical plans.
18 Cross Street, #09-02 Cross Street Exchange, Singapore 048423
pacificprime.sg
THEBESTSG STAFF REVIEW
Pacific Prime is useful when the hard part is comparison, not buying a specific named Shield plan. Expats, HR teams and families with cross-border needs can benefit from a broker that sees multiple insurer options and can explain trade-offs in network, underwriting and renewals. The limitation is important: it is not the insurer paying claims, so the final experience still depends on the chosen underwriter and policy terms.
Why Pacific Prime Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is included as a reputable specialist broker for customers who need to compare several health insurance providers before choosing.
Pacific Prime Singapore is a specialist health insurance broker rather than an underwriter, but it is a reputable option for comparing individual, family and corporate medical insurance. The Singapore office at Cross Street Exchange supports health insurance quotes and advisory across multiple insurers, including international medical plans for expats and corporate benefits. Pacific Prime's value is in market comparison, plan explanation and renewal support, especially when buyers are deciding between local cover and international private medical insurance. It is best used when you want advice across providers, not a single insurer's product.
THE EDITORS' SCORECARD - 80/100
Unique Service Proposition17/20
Quality of Service16/20
Accessibility16/20
Value for Money16/20
Innovation15/20
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Best Health Insurance in Singapore compared

Rank	Name	Known for	Price
#1	AIA Singapore	integrated shield · private hospital	$$$$
#2	Prudential Singapore	integrated shield · prushield	$$$$
#3	Income Insurance	local insurer · orange force	$$
#4	Great Eastern Life	integrated shield · concierge	$$$$
#5	Singlife	integrated shield · digital	$$$
#6	HSBC Life Singapore	integrated shield · bank insurer	$$$
#7	Raffles Health Insurance	raffles shield · hospital linked	$$$
#8	Cigna Healthcare	expat insurance · international cover	$$$$
#9	Allianz Care	international cover · expat insurance	$$$$
#10	Pacific Prime Singapore	broker · expat insurance	-

Health Insurance in Singapore - your questions

What is the difference between MediShield Life and an Integrated Shield Plan?

MediShield Life is the basic national health insurance for Singapore citizens and PRs. An Integrated Shield Plan adds private insurer coverage for higher ward classes, private hospitals or broader benefits, depending on the plan chosen.

Can foreigners buy hospitalisation insurance in Singapore?

Yes. Several insurers offer private medical plans for foreigners, and some Integrated Shield insurers have non-MediShield versions for eligible foreign residents. Expats may also compare international health insurance if they need overseas coverage.

Should I choose a private hospital plan or a public hospital plan?

Choose based on your expected care setting and budget. Private hospital plans offer more flexibility but usually cost more, while public hospital A or B1 plans can provide strong cover at lower premiums.

What should I check before buying a rider?

Check whether the rider covers deductible and co-insurance, whether panel specialists are required, the co-payment cap, exclusions, premium increases with age and whether new MOH rider rules affect the policy.

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The 10 Best Health Insurance in Singapore

Best Health Insurance in Singapore compared

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