Global Medical Insurance

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Global Medical Insurance, often referred to as International Health Insurance, is a comprehensive health insurance plan designed for individuals who live or travel extensively outside their home country. Unlike typical travel insurance that covers short trips, global medical insurance provides long-term health coverage, ensuring access to medical care anywhere in the world.

TLDR: Local health or travel insurance can leave gaps for global citizens. Global medical insurance ensures quality care anywhere, giving you peace of mind to live and work confidently worldwide.

Purpose: The primary purpose of global medical insurance is to provide extensive health coverage for expatriates, frequent international travelers, or individuals seeking access to a wider network of medical facilities and specialists globally. It ensures that you receive high-quality medical treatment regardless of your location, without facing exorbitant out-of-pocket costs.

Coverage: Global Medical Insurance policies are typically very comprehensive and can include:

• In-patient Treatment: Covers hospitalization, surgery, intensive care, and specialist fees.
• Out-patient Treatment: Covers doctor visits, consultations, diagnostic tests, and prescribed medications.
• Emergency Medical Evacuation and Repatriation: Covers the cost of transporting you to the nearest suitable medical facility or back to your home country for treatment.
• Maternity Care: Coverage for pregnancy, childbirth, and postnatal care.
• Dental and Optical Care: Often available as an optional add-on, covering routine dental check-ups, treatments, and optical care.
• Mental Health Support: Coverage for mental health consultations and treatments.
• Wellness and Preventative Care: Some plans include coverage for health screenings, vaccinations, and routine check-ups.
• Choice of Medical Providers: Allows you to choose your preferred doctors, hospitals, and clinics within the policy's network, often globally.

Use-Case: Consider if an expatriate working in Singapore suffers a medical emergency during a business trip in London. A local health plan wouldn’t cover overseas costs, and travel insurance only helps with short-term emergencies. With global medical insurance, they can access top care abroad, have costs covered, and even choose to recover back in Singapore — all without financial stress.

Living or working abroad? Our expert advisors can help you find the right global medical insurance plan. We partner with 18 trusted insurers in Singapore to provide coverage that fits your international lifestyle.