Health Insurance for NRIs in Singapore

Health Insurance for NRIs in Singapore is designed to provide medical coverage to Non-resident Indians or NRIs living in Singapore. It pays for the healthcare services availed by the NRIs while visiting or staying in India. Besides, most health insurance plans for NRIs come with international coverage that also pays for the medical expenses incurred in Singapore.

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      Can NRIs in Singapore Buy Health Insurance Plans in India?


      All NRIs based out of Singapore can buy health insurance plans from an insurance company in India. They can purchase medical insurance for themselves and their families while living in Singapore or visiting India. However, they must submit a few documents to the insurance provider to prove their Indian citizenship, such as address proof, recent ITR, etc.

      Why NRIs in Singapore Should Buy Health Insurance from India?

      Check out some of the reasons why NRIs based in Singapore should buy health insurance from India:

      1. Affordable Premiums

        Health insurance costs are more affordable in India than in Singapore. This happens because Singapore is expensive, and its healthcare services are also very costly. Take a look at the estimated prices of common medical procedures in India and Singapore:

        Cost of Medical Procedures (Approx.) India ($) Singapore ($)
        Heart Bypass 5,200 17,200
        Heart Valve Replacement 5,500 16,900
        Cardiac Arrest 7,000 16,350
        Knee Replacement 6,200 16,000
        General MRI Scan 100 300
        Cataract Surgery 1,000 1,500
        Liver Transplant 50,000 175,000
        Hip Replacement 7,000 13,900
        Spinal Fusion 6,500 12,800
        Bone Marrow Transplant 50,000 140,000

        Most medical treatments are more expensive in Singapore than in India, so a higher health insurance premium is charged. Thus, Singapore-based NRIs can save money by buying health insurance from India.

      2. Worldwide Treatment

        Many health insurance plans in India offer worldwide treatment coverage to NRIs on hospitalization expenses, maternity expenses, and day care treatments. Thus, NRIs can ensure coverage for medical costs incurred in India as well as Singapore by buying health insurance plans from an Indian insurer.

      3. GST Refund

        NRIs who pay tax in Singapore do not have to pay GST in India as part of their health insurance premium. If they do, they can obtain a GST refund from the insurance company in India, provided the policy was for a 1-year tenure and purchased from an NRE account. However, they must submit a declaration, a TRC, and a bank statement of the NRE account for the last 6 months to obtain the refund.

      4. Wider Plan Options

        If an NRI buys health insurance from an insurance company in India, they get more variety of plans. This is because India has more than 20 IRDAI-registered insurers, with each one offering multiple plans catering to the specific needs of different individuals. This enables NRIs to compare all suitable plans and choose the best one according to their medical needs.

      Buy NRI Health Insurance in other Countries
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      How to Buy Health Insurance for NRIs in Singapore?

      Check out the step-by-step procedure that Singapore-based NRIs can follow to buy health insurance in India:

      Step 1: Log in to and go to the ‘Health Insurance’ icon

      Step 2: Select your gender and enter your full name

      Step 3: Choose the family members you want to insure and fill in their ages

      Step 4: Enter your Indian city of permanent residence or its pin code

      Step 5: Select ‘+65’ as the country code for Singapore and fill in your mobile number

      Step 6: Pick the suitable option if you or your family members suffer from any pre-existing diseases

      Step 7: Choose the health insurance plan that you want to buy and pay its premium amount

      Step 8: Upon successful payment, the insurance company will issue the policy to the Singapore-based NRI.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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