Coverage Tiers
Choosing the right level of group medical coverage is one of the most important decisions for expatriates, families, and organizations in Singapore and abroad. With healthcare costs varying widely across private and public providers, ExpatFinder helps you navigate the different tiers available so you can balance protection with affordability.
Tailored for Groups
Group medical coverage allows organizations, schools, and associations to select the tier—or combination of tiers—that best meets the needs of their members. Employers can offer flexibility by providing a base level of cover for all staff, with optional top-ups for those who want more extensive benefits.
1. Essential Tier
The Essential plan focuses on the basics: inpatient and emergency coverage. It is designed for expats who primarily want financial protection in case of hospitalisation, surgery, or serious illness. While outpatient visits and preventive care may be limited, this tier ensures you are covered against major, unexpected medical expenses.
2. Standard Tier
The Standard plan adds day-to-day healthcare to your protection. Alongside full inpatient coverage, you’ll benefit from outpatient consultations, diagnostics, and prescribed medications. This tier is well-suited to families and professionals who want peace of mind for both routine care and emergencies without paying for the most premium benefits.
3. Comprehensive Tier
The Comprehensive plan offers the highest level of protection, combining inpatient, outpatient, and advanced benefits. It may include dental, vision, maternity, chronic condition management, and wellness services. This tier is ideal for expatriates who want full peace of mind, frequent access to private medical providers, and enhanced benefits for family planning or long-term conditions.
At ExpatFinder, we negotiate on behalf of groups to secure better rates, simpler administration, and access to reputable international insurers. Whether your group chooses Essential, Standard, or Comprehensive, you can count on transparent advice and competitive group pricing.
Tip for Expats: When reviewing tiers, look closely at the balance between premiums and out-of-pocket costs. A slightly higher premium at the Standard tier may reduce unexpected expenses for regular outpatient care.
