Healthcare

Singapore's healthcare is structured in three tiers. Polyclinics offer heavily subsidized primary care — but only for citizens and PRs. Public hospitals are partially subsidized for citizens/PRs but charge full unsubsidized rates to EP holders. Private hospitals (the primary choice for most expats) are world-class but expensive without insurance.

Singapore's private hospitals operate at international standards — many specialists trained in the UK, US, or Australia. The four largest private hospital groups cater heavily to expats and medical tourists across the region.

Employer-provided group insurance is the norm for EP holders. When negotiating your employment contract, push for A-class ward coverage at private hospitals. If transitioning between employers or self-employed, international insurance is essential.