Best Cheap Insurance Plans for COVID-19 (Novel Coronavirus) Coverage

One of the best ways to protect yourself financially during a pandemic is to have the right insurance coverage. Even though Singapore's government is footing the bill for COVID-19 hospitalisations, the additional coverage provided by insurance may provide you with much needed financial assistance and more comprehensive protection.

Best Life Insurance Plans
  • FWD COVID-19 Insurance: Short-term term life plan that you can buy online specifically for protection against COVID-19
Best Personal Accident Plans
  • FWD Personal Accident and Infectious Disease Coverage: Exclusive plan with SgSaver; most affordable option for manual and frontline essential workers
  • FWD Personal Accident: Offers most comprehensive coverage for COVID-19
  • Income PA Assurance: Great option for people who don't want to wait 14 days for COVID-19 coverage. Provides comprehensive coverage
Best Integrated Shield Plan Plans
  • Great Eastern GREAT SupremeHealth: Good option for people needing ward A or private hospital coverage; provides COVID-19 package
  • Prudential PruShield: Great value for the average, healthy Singaporean, provides a substantial COVID-19 package
Best International Health Insurance Plans
  • NowHealth: Best plan for US citizens who separate their time living both in the USA and Singapore
  • Cigna Global: Highest coverage health insurance option; unlimited annual limit
Insurers Offering COVID-19 Benefit Packages

Which Insurance Plans Provide the Best COVID-19 (Novel Coronavirus) Coverage?

Health insurance and personal accident plans are great products to consider right now as they offer coverage beyond hospitalisation and can also provide some much needed financial support. To find the best plans for COVID-19 coverage, we compared personal accident, health and international health insurance companies. We took into consideration overall coverage, price and how proactive the insurer is in making sure its policyholders are well protected if they were to get infected. Below are our top picks.

Best Life Insurance for COVID-19 (Novel Coronavirus) Coverage

  • Consider this if you want a life insurance coverage against COVID-19 but don't want to commit to a long-term life insurance policy.
One-time Premium: S$28.00
BenefitsLimits
Policy Term100 days
COVID-19 Death BenefitS$50,000
COVID-19 Death Benefit (Frontliners)S$100,000
ICU Daily Cash Allowance (14 days)S$100/day
Post-Hospitalisation BenefitS$800

If you are looking for an affordable life insurance policy that will provide death protection against COVID-19, then FWD's COVID-19 plan can be a good option. For a flat fee of S$28, you'll receive S$50,000 of death coverage (double if you're a frontline worker) for 100 days. You will also receive an ICU daily cash allowance and a post-hospitalisation benefit. This plan can be a great solution if you are worried about your family's financial needs should you pass away and you are currently not insured with an insurer who is offering a COVID-19 relief package. Furthermore, because this plan matures in 100 days, you also won't have to lock yourself into a term or whole life policy that you may not need after the crisis is over.

Please note there is a 14-day waiting period before the policy benefits kick in. Furthermore, you will not be eligible to purchase this policy if you previously tested positive COVID-19, have had any COVID-19 symptoms, have been self-isolated or traveled in the past 30 days.

  • Consider this if you want a life insurance coverage against COVID-19 but don't want to commit to a long-term life insurance policy.
One-time Premium: S$28.00
BenefitsLimits
Policy Term100 Days
COVID-19 Death BenefitS$50,000
COVID-19 Death Benefit (Frontliners)S$100,000
ICU Daily Cash Allowance (14 days)S$100/day
Post-Hospitalisation BenefitS$800

If you are looking for an affordable life insurance policy that will provide death protection against COVID-19, then FWD's COVID-19 plan can be a good option. For a flat fee of S$28, you'll receive S$50,000 of death coverage (double if you're a frontline worker) for 100 days. You will also receive an ICU daily cash allowance and a post-hospitalisation benefit. This plan can be a great solution if you are worried about your family's financial needs should you pass away and you are currently not insured with an insurer who is offering a COVID-19 relief package. Furthermore, because this plan matures in 100 days, you also won't have to lock yourself into a term or whole life policy that you may not need after the crisis is over.

Please note there is a 14-day waiting period before the policy benefits kick in. Furthermore, you will not be eligible to purchase this policy if you previously tested positive COVID-19, have had any COVID-19 symptoms, have been self-isolated or traveled in the past 30 days.

Best Personal Accident Plans for COVID-19 (Novel Coronavirus) Coverage

Personal accident plans cover more than just accidents—they also provide coverage for infectious diseases. During this time, several insurers are including coronavirus coverage in their personal accident plans. These plans can be good options for freelance workers, people on the frontlines and general consumers who would like financial assistance in the event they contract COVID-19. In addition to providing substantial COVID-19 coverage, these plans are also some of the best personal accident plans on the market

This graph shows the cost of the cheapest personal accident insurance policies in Singapore

FWD Personal Accident and Infectious Disease Coverage

  • Consider this if you are looking for an affordable personal accident plan and are a frontline or manual labourer
  • Purchase this plan exclusively through SgSaver by clicking "Get a Quote"
Annual Premium (100k limit): S$98.00
BenefitsLimits
Death BenefitS$100,000
COVID-19 Death BenefitS$50,000
Domestic COVID-19 Medical ExpensesS$1,000
Overseas COVID-19 Medical ExpensesS$2,000
Hospital IncomeS$25/day
Home ModificationS$5,000
Daily Taxi AllowanceS$10 (for 2 weeks)

FWD Personal Accident and Infectious Disease Coverage insurance is a comprehensive personal accident plan unique in both its pricing and its coverage. It costs S$98, regardless of occupation, making it a great option for essential and frontline workers like police officers, maintenance workers and nurses. Furthermore, it offers a plethora of convenient benefits not seen in other personal accident plans. For instance, you will get a daily taxi allowance of S$10 for 2 weeks, funeral benefits, emergency medical evacuation if you are currently abroad and domestic/overseas medical coverage. Everyone under age 65 can purchase this plan, but do note there is a 15 day waiting period before you can claim for COVID-19 benefits. You also had to have been in Singapore for at least 14 days before you can purchase the plan.

  • Consider this if you are looking for an affordable personal accident plan and are a frontline or manual labour worker
  • Purchase this plan exclusively through SgSaver by clicking "Get a Quote"
Annual Premium (100k limit): S$98.00
BenefitsLimits
Death BenefitS$100,000
COVID-19 Death BenefitS$50,000
Domestic COVID-19 Medical ExpensesS$1,000
Overseas COVID-19 Medical ExpensesS$2,000
Hospital IncomeS$25/day
Home ModificationS$5,000
Daily Taxi AllowanceS$10 (for 2 weeks)

FWD Personal Accident and Infectious Disease Coverage insurance is a comprehensive personal accident plan unique in both its pricing and its coverage. It costs S$98, regardless of occupation, making it a great option for essential and frontline workers. Furthermore, it offers a plethora of convenient benefits not seen in other personal accident plans. For instance, you will get a daily taxi allowance of S$10 for 2 weeks, funeral benefits, emergency medical evacuation if you are currently abroad and domestic/overseas medical coverage. Everyone under age 65 can purchase this plan, but do note there is a 15 day waiting period before you can claim for COVID-19 benefits. You also had to have been in Singapore for at least 14 days before you can purchase the plan.

FWD Personal Accident (S$1,000,000 Plan): Best for Maximum Coverage

  • Consider this if you are looking for high levels of coverage and aren't limited by budget
  • COVID-19 Coverage: Yes; 50% of benefit limits under infectious disease
  • Promotion: "BESTPA30" for 30% off
  • Read our full review
Annual Premium (Class 1 Occupation; S$1m Plan): S$1,000
BenefitsLimits
Accidental Death & DisabilityS$1,000,000
Medical ExpensesS$15,000
Medical Expenses (Infectious Disease)S$7,500
Hospital IncomeS$500/day
Home ModificationS$50,000
Weekly IncomeS$500/week
Child Support BenefitS$500,000

People who want maximum COVID-19 coverage, regardless of price may find FWD's Personal Accident plan with S$1 million dollar sum assured a great fit. Your COVID-19 coverage will be an impressive S$500,000 (all infectious disease benefits are 50% of the benefit limits). You will also receive a plethora of miscellaneous benefits including ambulance fee, daily taxi allowance, personal liability and emergency evacuation.

This plan does cost slightly more than other personal accident plans on the market with S$1,000,000 coverage, but the comprehensive coverage and peace of mind benefits will more than make up for the higher price. It's also worth noting that FWD's COVD-19 coverage is subject to a reduced 15 day waiting period.

Annual Premium (Class 1 Occupation; S$1m Plan): S$1,000
  • Consider this if you want medical expense coverage for infectious diseases including Coronavirus (COVID-19) and dengue
  • COVID-19 Coverage: Yes; 50% of benefit limits under infectious disease
  • Promotion: "BESTPA30" for 30% off
  • Read our full review
BenefitsLimits
Accidental Death & DisabilityS$1,000,000
Medical ExpensesS$15,000
Medical Expenses (Infectious Disease)S$7,500
Hospital IncomeS$500/day
Home ModificationS$50,000
Weekly IncomeS$500/week
Child Support BenefitS$500,000

People who want maximum COVID-19 coverage, regardless of price may find FWD's Personal Accident plan with S$1 million dollar sum assured a great fit. Your COVID-19 coverage will be an impressive S$500,000 (all infectious disease benefits are 50% of the benefit limits). You will also receive a plethora of miscellaneous benefits including ambulance fee, daily taxi allowance, personal liability and emergency evacuation.

This plan does cost slightly more than other personal accident plans on the market with S$1,000,000 coverage, but the comprehensive coverage and peace of mind benefits will more than make up for the higher price. It's also worth noting that FWD's COVD-19 coverage is subject to a reduced 15 day waiting period.

Income PA Assurance: Best for Immediate Coverage

  • Consider this if you want immediate COVID-19 coverage
  • COVID-19 Coverage: Yes, if purchased plan with infectious disease cover (no waiting period)
  • Read our full review
Plan 1 Annual Premium (w/ Infectious Disease Cover): S$217-S$492
BenefitsPlan 1 Limits
Accidental Death & DisabilityS$100,000
Accidental Death (COVID-19)S$10,000
Medical ExpensesS$2,000
Hospital IncomeS$100/day
COVID-19 Hospital IncomeS$100/day
Trauma CounselingS$5,000
Weekly IncomeS$100/week
Child Support BenefitS$5,000

Income's PA Assurance Plan with the infectious disease add-on can be a good fit for people who don't want to wait to receive COVID-19 coverage. This is because unlike other personal accident plans, there is no waiting period to receive coverage. Additionally, Income is also extending coverage to include a COVID-19 death benefit and a daily hospitalisation benefit. Another benefit that can be useful is trauma counseling coverage. While this benefit is not restricted to COVID-19 patients, it can still be useful since it covers counseling if you suffer a permanent disability from an infectious disease or accident. Beyond COVID-19 coverage, PA Assurance offers up to S$1 million of accidental death coverage, 150% of the sum assured should you get a total and permanent disability, above average coverage for your child's education should you pass away from your accident, weekly income benefits and a daily hospital income benefit.

Generally, it's not the most affordable PA insurance on the market since its plans cost between average to 43% above the industry average. However, Plan 4 is especially competitive for those working risky professions, such as policemen, firefighters and construction workers. Furthermore, its coverage is consistently above average so we believe the higher cost is justified. For customers who already have PA Assurance, adding the infectious disease cover will add 10-15% to their monthly premiums. While that sounds substantial, it translates to S$2-S$24 extra per month depending on your plan and employment category. As an important note, while there is no waiting period before you can make COVID-19 related claims, you should be aware you won't be covered if you purchased the policy after you tested positive.

Plan 1 Annual Premium (w/ Infectious Disease Cover): S$217-S$492
  • Consider this if you want disability and childcare coverage
  • COVID-19 Coverage: Yes, if purchased plan with infectious disease cover (no waiting period)
  • Read our full review
BenefitsPlan 1 Limits
Accidental Death & DisabilityS$100,000
Accidental Death (COVID-19)S$10,000
Medical ExpensesS$2,000
Hospital IncomeS$100/day
COVID-19 Hospital IncomeS$100/day
Weekly IncomeS$100/week
Child Support BenefitS$5,000

Income's PA Assurance Plan with the infectious disease add-on can be a good fit for people who don't want to wait to receive COVID-19 coverage. This is because unlike other personal accident plans, there is no waiting period to receive coverage. Additionally, Income is also extending coverage to include a COVID-19 death benefit and a daily hospitalisation benefit. Another benefit that can be useful is trauma counseling coverage. While this benefit is not restricted to COVID-19 patients, it can still be useful since it covers counseling if you suffer a permanent disability from an infectious disease or accident. Beyond COVID-19 coverage, PA Assurance offers up to S$1 million of accidental death coverage, 150% of the sum assured should you get a total and permanent disability, above average coverage for your child's education should you pass away from your accident, weekly income benefits and a daily hospital income benefit.

Generally, it's not the most affordable PA insurance on the market since its plans cost between average to 43% above the industry average. However, Plan 4 is especially competitive for those working risky professions, such as policemen, firefighters and construction workers. Furthermore, its coverage is consistently above average so we believe the higher cost is justified. For customers who already have PA Assurance, adding the infectious disease cover will add 10-15% to their monthly premiums. While that sounds substantial, it translates to S$2-S$24 extra per month depending on your plan and employment category. As an important note, while there is no waiting period before you can make COVID-19 related claims, you should be aware you won't be covered if you purchased the policy after you tested positive.

Best Integrated Shield Plans for COVID-19 (Novel Coronavirus) Coverage

Integrated Shield plans provide comprehensive health coverage that goes beyond Medishield Life. They can be good options to consider during this time if you want to get treated at a private hospital or A ward at a public hospital. The plans below will not only provide full coverage if you were to get diagnosed with COVID-19, but they are also some of the best Integrated Shield Plans on the market, which ensures that you'll retain great coverage even after the pandemic ends.

This graph shows the annual premiums for IP health insurance for a 45 year old non-smoker staying in Ward A and lower

Great Eastern GREAT SupremeHealth A Plus & P Plus: Best for Private Hospital Coverage

  • Consider if you want comprehensive coverage at Private Hospitals or A Wards
  • P Plus Hospital Ward: Private and below
  • A Plus Hospital Ward: Ward A and below
  • Eligibility Requirement: Singapore Citizens, Permanent Residents, Foreigners
  • Read our Full Review
BenefitsA PlusP Plus
Annual LimitS$600,000S$1,500,000
Hospitalisation/SurgeryAs ChargedAs Charged
Pre-Hospitalisation (Days)90120
Post-Hospitalisation (Days)90180
COVID-19 Coverage
Hospitalisation; Overseas treatment may be covered if travel approved by MOH
COVID-19 Daily Hospital Benefit
S$200
COVID-19 Death Benefit
S$20,000

If you prefer getting treated in A wards or private hospitals, Great Eastern's GREAT SupremeHealth A or Plus plan will be a great choice. Firstly, the A Plus plan offers the most medical coverage per dollar of premium. It costs 30% below average but provides a S$1,000,000 annual limit. Similarly, the P Plus plan offers the highest annual limit for private hospitals of S$1,500,000 while costing 20-40% below average. You will receive full hospitalisation coverage if you were to get diagnosed with the novel coronavirus and you may even receive overseas medical treatment if you have to travel for reasons the Ministry of Health deems necessary. Great Eastern also offers a COVID-19 care package that includes a daily hospital benefit of S$200 per day and a S$20,000 death benefit for all of its policyholders.

However, Great Eastern isn't only a great choice to tide you through the pandemic; as mentioned above, its coverage is substantial. You'll receive full coverage for cancer treatment, dialysis and pre and post-hospitalisation treatment. GREAT SupremeHealth also provides the highest psychiatric, speech and occupational therapy benefits. Increase your coverage with the TotalCare Classic Rider to reduce your deductible and coinsurance responsibility to 5% of your bill (or deductible if it's higher). The riders also include a S$250 of ambulance, S$80 per day of parental accommodation coverage (for parents with children in the hospital) and S$2,000 of accidental outpatient treatment. Lastly, Great Eastern can save you thousands of dollars if you have their A Plus plan and choose to get care at a Private hospital. This is because its pro-ration factor for getting care above your ward level is 70% instead of the 50% implemented by other insurers (Great Eastern will pay 70% of the incurred cost rather than only 50% if you choose to get care at a ward above your level).

  • Consider if you want comprehensive coverage at Private Hospitals or A Wards
  • P Plus Hospital Ward: Private and below
  • A Plus Hospital Ward: Ward A and below
  • Eligibility Requirement: Singapore Citizens, Permanent Residents, Foreigners
  • Read our Full Review
BenefitsA PlusP Plus
Annual LimitS$600,000S$1,500,000
Hospitalisation/SurgeryAs ChargedAs Charged
Pre-Hospitalisation (Days)90120
Post-Hospitalisation (Days)90180
COVID-19 Coverage
Hospitalisation; Overseas treatment may be covered if travel approved by MOH
COVID-19 Daily Hospital Benefit
S$200
COVID-19 Death Benefit
S$20,000

If you prefer getting treated in A wards or private hospitals, Great Eastern's GREAT SupremeHealth A or Plus plan will be a great choice. Firstly, the A Plus plan offers the most medical coverage per dollar of premium. It costs 30% below average but provides a S$1,000,000 annual limit. Similarly, the P Plus plan offers the highest annual limit for private hospitals of S$1,500,000 while costing 20-40% below average. You will receive full hospitalisation coverage if you were to get diagnosed with COVID-19 and you may even receive overseas medical treatment if you have to travel for reasons the MOH deems necessary. Great Eastern also offers a COVID-19 care package that includes a daily hospital benefit of S$200 per day and a S$20,000 death benefit for all of its policyholders.

However, Great Eastern isn't only a great choice to tide you through the pandemic; as mentioned above, its coverage is substantial. You'll receive full coverage for cancer treatment, dialysis and pre and post-hospitalisation treatment. GREAT SupremeHealth also provides the highest psychiatric, speech and occupational therapy benefits. Increase your coverage with the TotalCare Classic Rider to reduce your deductible and coinsurance responsibility to 5% of your bill (or deductible if it's higher). The riders also include a S$250 of ambulance, S$80 per day of parental accommodation coverage (for parents with children in the hospital) and S$2,000 of accidental outpatient treatment. Lastly, Great Eastern can save you thousands of dollars if you have their A Plus plan and choose to get care at a Private hospital. This is because its pro-ration factor for getting care above your ward level is 70% instead of the 50% implemented by other insurers (Great Eastern will pay 70% of the incurred cost rather than only 50% if you choose to get care at a ward above your level).

Prudential PRUShield Plus: Best for the Average Consumer

  • Consider if you are an average consumer looking for a combination of great coverage and affordability
  • Hospital Ward: Public Ward A and below
  • Eligibility Requirement: Singapore Citizens, Permanent Residents, Foreigners
  • Promotion: 25% off first year premiums when you buy PRUShield + PRUExtra supplementary plans
  • Read our Full Review
BenefitsBenefit LimitWard A Avg.
Annual LimitS$600,000S$528,571
Hospitalisation/SurgeryAs ChargedAs Charged
Pre-Hospitalisation (Days)180120
Post-Hospitalisation (Days)365180
COVID-19 CoverageHospitalisation; Pre-& post-hospitalisation medical costsN/A
Quarantine Cash BenefitS$500N/A
COVID-19 Daily Hospital CashS$200 (up to 3 months)N/A

If you are currently looking for an Integrated Shield Plan, Prudential's PruShield Plus is a balance of benefits and price. Its premiums cost 15-20% below average for all ages, despite a higher than average annual limit of S$600,000 compared to other Ward A plans in the market. Prudential will fully cover hospitalisations and pre-and post-hospitalisations costs up to the limits of your plan. It is also providing a PRUCare package for its policyholders that includes a S$500 one-time cash benefit if you were quarantined and a S$200 daily cash benefit if you are hospitalised due to the novel coronavirus (up until June 30th 2020).

Since you will maintain this plan beyond the COVID-19 pandemic, it's also worth mentioning PRUShield's other benefits. Prudential's 365 post-hospitalisation coverage is one of the longest on the market. You'll also be fully covered for cancer treatment, dialysis, pregnancy complications, surgery, and room and board expenses, meaning they will be paid in the full amount (subject to limits, deductibles and co-insurance). There is also a S$3,000 final expense provision benefit and hyperbaric oxygen therapy coverage (for treatment of carbon monoxide poisoning, severe anemia and other blood-oxygen related maladies). Lastly, with the purchase of Prudential's PruExtra Plus CoPay Rider, you'll be covered for 95% of your deductible, half your co-insurance and receive even more benefits like parental ward accommodation, ambulance services and emergency outpatient treatment. Combined with the Plus plan, the total cost comes out around 15-30% below average for base plan and Rider packages.

  • Hospital Ward: Public Ward A and below
  • Eligibility Requirement: Singapore Citizens, Permanent Residents, Foreigners
  • COVID-19 (Coronavirus) Coverage: Hospitalisation; Pre-& post-hospitalisation medical costs
  • Promotion: 25% off first year premiums when you buy PRUShield + PRUExtra supplementary plans
  • Read our Full Review
BenefitsBenefit LimitWard A Avg.
Annual LimitS$600,000S$528,571
Hospitalisation/SurgeryAs ChargedAs Charged
Pre-Hospitalisation (Days)180120
Post-Hospitalisation (Days)365180
COVID-19 CoverageHospitalisation; Pre-& post-hospitalisation medical costsN/A
Quarantine Cash BenefitS$500N/A
COVID-19 Daily Hospital CashS$200 (up to 3 months)N/A

If you are currently looking for an Integrated Shield Plan, Prudential's PruShield Plus is a balance of benefits and price. Its premiums cost 15-20% below average for all ages, despite a higher than average annual limit of S$600,000 compared to other Ward A plans in the market. Prudential will fully cover hospitalisations and pre-and post-hospitalisations costs up to the limits of your plan. It is also providing a PRUCare package for its policyholders that includes a S$500 one-time cash benefit if you were quarantined and a S$200 daily cash benefit if you are hospitalised due to the novel coronavirus (up until June 30th 2020).

Since you will maintain this plan beyond the COVID-19 pandemic, it's also worth mentioning PRUShield's other benefits. Prudential's 365 post-hospitalisation coverage is one of the longest on the market. You'll also be fully covered for cancer treatment, dialysis, pregnancy complications, surgery, and room and board expenses, meaning they will be paid in the full amount (subject to limits, deductibles and co-insurance). There is also a final expense provision benefit of S$3,000 and coverage for hyperbaric oxygen therapy (for treatment of carbon monoxide poisoning, severe anemia and other blood-oxygen related maladies). Lastly, with the purchase of Prudential's PruExtra Plus CoPay Rider, you'll be covered for 95% of your deductible, half your co-insurance and receive even more benefits like parental ward accommodation, ambulance services and emergency outpatient treatment. Combined with the Plus plan, the total cost comes out around 15-30% below average for base plan and Rider packages.

Best International Health Insurance for COVID-19 (Novel Coronavirus) Coverage

Digital nomads, expats and Singaporeans working abroad will need an international health insurance plan to help keep medical costs to a minimum. International health plans provide medical coverage for Singaporeans and expats in Singapore who don't have employer provided health insurance or don't qualify for Integrated Shield Plan coverage. Not only are the plans below some of the best international health insurance plans on the market, but the insurers behind these plans took a proactive approach to letting their customers feel secure with their health coverage during the COVID-19 pandemic.

This graph shows the cheapest international health insurance plans for expats living in Singapore and Singaporeans who need international coverage

NowHealth: Best for Expats Currently Living in Singapore

  • Consider this if you are a US citizen living and working in Singapore
  • COVID-19 Coverage: Yes; Outpatient also included if bought outpatient cover
  • Optional Deductible: S$1,334-S$20,020
  • Hospitalisation Accommodation: Semi-Private/Standard Single
  • Apply for this plan through our partner PolicyPal by clicking "Get a Quote"
  • Read our full review
BenefitsBenefit LimitIndustry Avg.
Annual LimitS$3,900,000S$1,959,750
Hospitalisation & Surgical BenefitsPaid in FullPaid in Full
Pre-Hospitalisation Coverage (Days)N/A110
Post-Hospitalisation Coverage (Days)N/A110
Medical EvacuationPaid in FullS$1,984,643
Daily Hospital Cash BenefitS$165S$191
Ambulance CoveragePaid in FullN/A

Now Health's WorldCare Essential plan will benefit US citizens who are working in Singapore but will still require health coverage if they were to go back to the US. NowHealth's COVID-19 benefits are plentiful. You will receive full coverage up to the terms of your plan for COVID-19 related treatment (including isolation ward treatment), a cash benefit of USD 3,750 or higher if you are staying in a public hospital free of charge for more than 30 days and enjoy an extended claims period of 9 months if you were diagnosed with the novel coronavirus. NowHealth has also introduced faster turnaround times for treatment pre-authorisations and claims processing if you were diagnosed with COVID-19. Best of all, we found that premiums for the Essential plan cost 10% below the market average, making it a fairly affordable option.

NowHealth's other benefits include 100% coverage for ambulance transportation, evacuation and repatriation, and pregnancy and childbirth medical conditions (inpatient only). If you need US coverage but don't want to pay extra for a worldwide plan that includes the US (in exchange for much higher premiums), you will also receive emergency non-elective surgery benefits up to 30 days in the USA, as well as an option to add USD$1.5 million of elective treatment benefits for inpatient and day-patient treatment.

However, despite the robust coverage provided by WorldCare Essential, we don't recommend this plan if you need maternity or dental coverage. These benefits are only available in Now Health's higher coverage plans, which cost about 40% more. Additionally, you won't be able to buy this plan if you are a SIngaporean currently living in the United States. To apply for this plan or learn more, reach out to our advisors at PolicyPal by clicking "Get a Quote".

  • Consider this if you are a US citizen living and working in Singapore
  • COVID-19 Coverage: Yes; Outpatient also included if bought outpatient cover
  • Optional Deductible: S$1,334-S$20,020
  • Hospitalisation Accommodation: Semi-Private/Standard Single
  • Apply for this plan through our partner PolicyPal by clicking "Get a Quote"
  • Read our full review
BenefitsBenefit LimitIndustry Avg.
Annual LimitS$3,900,000S$1,959,750
Hospitalisation & Surgical BenefitsPaid in FullPaid in Full
Pre-Hospitalisation Coverage (Days)N/A110
Post-Hospitalisation Coverage (Days)N/A110
Medical EvacuationPaid in FullS$1,984,643
Daily Hospital Cash BenefitS$165S$191
Ambulance CoveragePaid in FullN/A

Now Health's WorldCare Essential plan will benefit US citizens who are working in Singapore but will still require health coverage if they were to go back to the US. NowHealth's COVID-19 benefits are plentiful. You will receive full coverage up to the terms of your plan for COVID-19 related treatment (including isolation ward treatment), a cash benefit of USD 3,750 or higher if you are staying in a public hospital free of charge for more than 30 days and enjoy an extended claims period of 9 months if you were diagnosed with the novel coronavirus. NowHealth has also introduced faster turnaround times for treatment pre-authorisations and claims processing if you were diagnosed with COVID-19. Best of all, we found that premiums for the Essential plan cost 10% below the market average, making it a fairly affordable option.

NowHealth's other benefits include 100% coverage for ambulance transportation, evacuation and repatriation, and pregnancy and childbirth medical conditions (inpatient only). If you need US coverage but don't want to pay extra for a worldwide plan that includes the US (in exchange for much higher premiums), you will also receive emergency non-elective surgery benefits up to 30 days in the USA, as well as an option to add USD$1.5 million of elective treatment benefits for inpatient and day-patient treatment.

However, despite the robust coverage provided by WorldCare Essential, we don't recommend this plan if you need maternity or dental coverage. These benefits are only available in Now Health's higher coverage plans, which cost about 40% more. Additionally, you won't be able to buy this plan if you are a SIngaporean currently living in the United States. To apply for this plan or learn more, reach out to our advisors at PolicyPal by clicking "Get a Quote".

Cigna Global: Best International Health Plan for Max Coverage

  • Consider this if you are looking for maximum protection against serious illnesses
  • COVID-19 Coverage: Yes, including medically necessary testing (refer to policy documents)
  • Optional Deductible: S$0-S$10,000
  • Hospitalisation Accommodation: Public Shared/Standard Single
  • Apply for this plan through our partner PolicyPal by clicking "Get a Quote"
  • Read our full review
BenefitsLimitIndustry Avg.
Annual LimitUnlimitedS$1,959,750
Hospitalisation & Surgical BenefitsPaid in FullPaid in Full
Pre-Hospitalisation Coverage (Days)N/A110
Post-Hospitalisation Coverage (Days)N/A110
Daily Hospital CashUSD$200S$191
Medical EvacuationPaid in FullS$1,984,643
Emergency DentalPaid in FullPaid in Full

If you can spare no expense on your health coverage and want to maximise benefits, Cigna International Platinum can be a great choice. Cigna Global is an international health insurance plan suitable for Singaporeans working abroad and international expats in Singapore who don't qualify for Integrated Shield Plans. Though the plan costs slightly above average for most ages, it is one of the cheapest top-tier coverage options for Singaporean and expat seniors. COVID-19 coverage includes coverage for medically necessary treatment and telehealth (until June 1st 2020). Telehealth services cover your doctor's consultation fee and prescription drugs.

Beyond COVID-19 coverage, Cigna is sure to please those who are willing to pay more for more comprehensive coverage and have the option to customise their coverage. The Platinum plan offers an unlimited annual limit, with most claims covered 100%, including surgery to MRI, CT, PET scans and private hospital room stays. It also offers unique benefits that includes coverage for home-births, treatment for disorders/addiction and congenital conditions as well as certain pre-existing medical conditions (for an additional fee). Beyond the standard dental, outpatient and maternity option packages, Cigna also offers a Health and Wellbeing package that offers full coverage for routine physicals, cancer screenings and life management programmes (up to 5 counseling sessions). To apply for this plan or learn more, reach out to our advisors at PolicyPal by clicking "Get a Quote".

  • Consider this if you are looking for maximum protection against serious illnesses
  • COVID-19 Coverage: Yes, including medically necessary testing (refer to policy documents)
  • Optional Deductible: S$0-S$10,000
  • Hospitalisation Accommodation: Public Shared/Standard Single
  • Apply for this plan through our partner PolicyPal by clicking "Get a Quote"
  • Read our full review
BenefitsLimitIndustry Avg.
Annual LimitUnlimitedS$1,959,750
Hospitalisation & Surgical BenefitsPaid in FullPaid in Full
Pre-Hospitalisation Coverage (Days)N/A110
Post-Hospitalisation Coverage (Days)N/A110
Daily Hospital CashUSD$200S$191
Medical EvacuationPaid in FullS$1,984,643
Emergency DentalPaid in FullPaid in Full

If you can spare no expense on your health coverage and want to maximise benefits, Cigna International Platinum can be a great choice. Cigna Global is an international health insurance plan suitable for Singaporeans working abroad and international expats in Singapore who don't qualify for Integrated Shield Plans. Though the plan costs slightly above average for most ages, it is one of the cheapest top-tier coverage options for Singaporean and expat seniors. COVID-19 coverage includes coverage for medically necessary treatment and telehealth (until June 1st 2020). Telehealth services cover your doctor's consultation fee and prescription drugs.

Beyond COVID-19 coverage, Cigna is sure to please those who are willing to pay more for more comprehensive coverage and have the option to customise their coverage. The Platinum plan offers an unlimited annual limit, with most claims covered 100%, including surgery to MRI, CT, PET scans and private hospital room stays. It also offers unique benefits that includes coverage for home-births, treatment for disorders/addiction and congenital conditions as well as certain pre-existing medical conditions (for an additional fee). Beyond the standard dental, outpatient and maternity option packages, Cigna also offers a Health and Wellbeing package that offers full coverage for routine physicals, cancer screenings and life management programmes (up to 5 counseling sessions). To apply for this plan or learn more, reach out to our advisors at PolicyPal by clicking "Get a Quote".

Other Insurers Offering COVID-19 Care Packages

Some insurers provide COVID-19 coverage as part of their core health or personal accident plans.Others are providing COVID-19 relief packages to new or existing customers. Below, we summarised the insurers who are providing financial assistance via hospitalisation or death benefits for their policyholders.

InsurerCoverageRequirements
AXA
  • $200/day hospitalisation income benefit
  • S$20,000 death benefit
  • Benefits doubled for frontline healthcare workers
For all current customers of AXA policies; 14 day waiting period
AIA
  • S$1,000 hospitalisation income
  • S$25,000 death benefit
For customers of life, accident and health plans; subject to 14 day waiting period; must be customer before July 31 2020
Etiqa
  • S$1,000 hospitalisation benefit (10 days)
  • S$1,000 ICU benefit (5 days)
  • S$50,000 death benefit
For all existing and new customers of life and savings plans; 14 day waiting period
Manulife
  • S$1,500 diagnosis payout
  • S$2,000 additional hospitalisation payout (5 days +)
  • S$30,000 death payout
All existing and new Manulife customers; 14 day waiting period payouts limited to Manulife S$1 million fund
Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, focusing on insurance. She holds an International Business Management diploma and a B.A. in Economics from New York University. Her prior working experience includes work in the capital markets sector.

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