Frequently asked questions
Common questions about insurance for expats, Malaysians, and foreigners in Singapore.
Correct. We're paid a commission by the insurer when you take up a plan — the same price you'd pay going direct. There's no markup, no hidden fee, and no obligation.
We'll have a relaxed conversation about your situation — your coverage needs, budget, family, and plans. Then we'll compare options from multiple insurers and present what fits. No pressure, no sales pitch.
Within 1 business day. We'll reach out via WhatsApp or phone — whichever you prefer.
Absolutely. In fact, that's exactly who we specialise in helping. Without CPF and MediShield Life, you need private coverage — and we'll help you find the right plan for your budget and needs.
Some work pass types require proof of medical insurance. We can help you get the right plan that satisfies MOM requirements while also giving you proper coverage.
Yes. We offer family plans that cover your spouse and dependants — whether they're on a Dependant Pass, LTVP, or Student Pass.
Employer plans often have gaps — limited hospital coverage, no outpatient, or coverage that disappears when you leave. We can review your existing plan and advise on whether you need a personal top-up.
Local plans cover treatment in Singapore (often at specific hospital tiers). International plans cover you globally — useful if you travel frequently or might relocate. We'll help you decide which makes sense.
Yes. As a foreigner, you don't have CPF or MediShield Life. If you're admitted to a Singapore private hospital without coverage, bills can easily run into tens of thousands. Private insurance is essential.
Some Malaysian plans offer limited coverage in Singapore, but they're rarely sufficient for private hospital stays here. We'll review what you have and recommend whether you need Singapore-based cover.
It depends on the plan. Some plans are portable and continue covering you in Malaysia. We'll make sure you choose one that fits your long-term plans.
We help you through the entire claims process — from gathering documents to following up with the insurer. You're not on your own.
Yes. We're your ongoing point of contact for claims, renewals, plan changes, and any questions that come up.
Book a free consultation and we’ll answer everything in person — no obligation.
Book a free consultation