About this site

insurancesg.si — The expat guide to insurance in Singapore

insurancesg.si is an English-language guide to insurance in Singapore for expatriates and international families. It answers one question in order: given your residency status, which protection do you already have, which do you not, how are the gaps usually filled, and what changes when you change job or leave the country. It covers the regulatory system (MAS, LIA, GIA, SDIC and FIDReC), whether CPF, MediShield Life, CareShield Life and DPS apply to you, employer group cover versus personal cover, local health plans and international private medical insurance, life and critical illness cover, insuring a family and a domestic helper, claims and complaints, and what to do with your policies when you leave Singapore.

Every figure carries a unit, a date and a source, and the sources page lists them. Rules on passes, CPF and tax change; check the official page before acting.

What this site does not do: it does not recommend, rank or price products, insurers or international medical insurance brands; it does not promise underwriting, claim or tax outcomes; and it does not advise on obtaining a pass, PR or tax residency. It is not an insurer, a broker, an immigration adviser or a tax adviser.

Division of labour in the network: xiaopoxian.com.sg is the Chinese-language Singapore insurance primer, including applications by foreigners and non-residents, while this site explains the same mechanisms in English for expats of any income level; hnwi.sg covers relocation, residency routes and landing for high-net-worth families in Chinese, and treats medical insurance as one step in that relocation rather than as a mechanism-level reference; term.com.sg and wholelife.com.sg explain term and whole life in depth; saving.com.sg covers savings plans, including for international residents; insurancehk.si covers the Hong Kong market; bankaccount.com.sg covers bank accounts and bank-side CRS. The Chinese pages here are summaries of the English pages.

Operator

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.

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

Practising in Singapore since 2017 (AXA Singapore consultant and manager), with Great Eastern Financial Advisers since 2021, serving Singapore and Greater-China cross-border high-net-worth families and business owners while building an adviser team.

Licensing and representative status are as recorded in the MAS Register of Representatives and by the principal firm. This site is not the official website of any licensed firm, and its content has not been reviewed by that firm or by MAS.

Editorial principles

1. We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
2. We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
3. We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
4. Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
5. If you spot an error or outdated figure, tell us via the contact page; corrections are dated.