Peace of Mind, Simplified!
We arrange international health insurance for people and companies in Singapore, and then we run it. Renewals, pre-authorisations, claims, appeals. The same person every time, and it costs you nothing extra.
Where our members are
- members under our care
- 1,700+
- countries our members live in
- 39
- nationalities on our books
- 62
- corporate schemes serviced
- 50+
What we arrange
International health
Cover that follows you when you move, and pays the hospital directly instead of leaving you to claim it back.
Maternity and newborn
Waiting periods mean timing decides this one. If you are planning, talk to us before you start trying, not after.
Employee benefits
The cheapest retention you can buy for senior and regional hires. Cover answers the question salary cannot, which is what happens if something goes wrong out here.
Offshore and deployed teams
Hire in Kuala Lumpur, deploy offshore, treat in Singapore. Cover that onboards anywhere and holds up when an evacuation is the only option.
If your only cover is through work
Cover through work belongs to the job, not to you. Three things follow from that, and they tend to go unnoticed until the moment they matter.
The first is the ceiling. A company plan is built to a budget, and that budget was not set with your family in mind. A serious illness in a private hospital here can run past the limit faster than most people expect.
The second is that it does not travel. Your cover ends when the job does, and it does not follow you to the next one. If something is diagnosed along the way, it may be excluded or loaded when you come to buy your own, or when the next employer’s plan underwrites you. Relocate two or three times and you are betting each move that the next scheme is as good as the last and will take your history as it stands. Some schemes let you continue without fresh underwriting. Many do not. Most people have never checked which one they are on.
The third is maternity. Plenty of company plans leave it out entirely or cap it low, and as an expat you are outside the subsidised system that residents fall back on. A straightforward delivery is manageable. An emergency caesarean and a stay in neonatal intensive care is a different number altogether, and it arrives with no notice. Maternity also runs on its own clock, because waiting periods mean the cover has to be in place long before you need it.
You are insurable today. That is the part people miss.
Sitting a plan above your company cover costs less than most people assume, because the company plan absorbs the first layer and the deductible can be set high.
- age 30
- from USD 95 a month
- age 40
- from USD 115 a month
- age 50
- from USD 160 a month
Indicative and subject to underwriting. Single adult resident in Singapore, in-patient cover only, worldwide excluding the United States, on a deductible of USD 8,500 or more. Monthly payment carries a small loading on most plans, so paying annually usually works out cheaper over the year. Priced August 2026.
What you get after you’ve bought
When the renewal price does not stand up
Premiums climb, and some years the increase is harder to justify than others. When that happens we look at what else is open to you and tell you plainly whether moving is worth it. Often it is not, because what you would give up on your medical history costs more than the premium you would save. You get the comparison either way.
The price is the same
Buying through us costs you nothing extra. The premium is the same whether you come to us or go direct to the insurer.
The paperwork is ours
Getting on cover, and staying on it, is mostly paperwork, and paperwork is where things quietly go wrong. Enrolments, additions, a new baby, a change of country, a document an insurer says it never received. We handle that side of it so it does not land on you at the worst possible time.
One case
An HR manager called us about one of the team. His son had arrived 9 weeks early and was in neonatal intensive care at a private hospital in Singapore. The unit was running at S$4,000 a day at least, and nobody could say how many days there would be. We were put straight on the phone with him. He wanted to know one thing, which was whether the insurer would stand behind it.
We had the newborn enrolled by the next working day. The administration landed about a week after he was born, but the insurer agreed to guarantee the bills from birth rather than from the date the paperwork caught up. The company scheme the family were on covers a newborn from birth up to S$207,000. The final bill came to S$260,000, so they still paid a share of it. The emergency caesarean was a separate bill, and that one was covered in full.
Nobody would call that a perfect outcome. It was a very different one from the alternative.
Whichever side of this you are on
For individuals and families
Moving here, having a baby, coming off a company scheme, or just tired of not understanding what you bought.
The maternity and newborn timeline
When to buy, what the waiting periods actually mean, and the point after which it is too late. One page, no jargon.
Email us at hello@asktic.com and we will send it over.
For HR directors and CFOs
Building a package that holds onto senior and regional people, renewing one that is costing more than it should, or covering a workforce that does not sit in one country.
What cover is worth on a senior package
Why thirty thousand of medical cover and fifty thousand of salary are not the same offer to someone deciding whether to move their family. With the numbers worked through.
Email us at hello@asktic.com and we will send it over.
What people ask us
How does The Insurance Concierge get paid?
How The Insurance Concierge is paid and why our advice costs you nothing.
Will my pre-existing conditions be covered?
How pre-existing conditions are assessed and what cover you can expect.
What happens if my claim is rejected?
What to do if your insurer denies or reduces your claim, and how we advocate on your behalf.
Tell us the situation. We’ll tell you what it costs.
Six fields, no obligation, and a reply the same working day.
Or email us at hello@asktic.com.