Travel insurance
Does travel insurance cover hospital bills overseas?
As of 28 Oct 2026 (Singapore time)
Yes, that is its main job. All 22 insurers we compare pay overseas medical and hospital bills after an accident or a sudden illness during the trip. Limits run from S$10,000 to unlimited. Conditions you had before the trip are usually excluded. For a hospital stay, call the insurer's 24-hour assistance line, which can arrange payment with the hospital.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers with at least one plan that covers it: 22.
- Cheapest plan that covers it, for one week in Thailand, one adult: Sompo Essential, S$17.70.
- Median price among the insurers that cover it, for the same example: S$43.00.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoYesfrom S$17.70 | Yes | Essential14 of its 14 plansOverseas medical expenses: S$200,000 (S$50,000 if age 70 or over) | S$17.70 |
| MSIGYesfrom S$17.80 | Yes | TravelEasy Lite43 of its 43 plansOverseas medical expenses: S$50,000 (S$20,000 age 70 and above), S$100 excess | S$17.80 |
| EtiqaYesfrom S$18.90 | Yes | Tiq Travel Insurance Entry39 of its 39 plansOverseas medical expenses: S$200,000 (S$30,000 age 70 and above) | S$18.90 |
| HL AssuranceYesfrom S$23.20 | Yes | Travel Assured Plus Basic (no COVID-19 cover)48 of its 48 plansOverseas medical expenses: S$150,000 overseas (age 70 and below; S$50,000 above 70; child S$100,000); medical expenses in Singapore S$10,000; no COVID-19 cover | S$23.20 |
| Allianz TravelYesfrom S$23.60 | Yes | Allianz Travel Basic18 of its 18 plansOverseas medical expenses: S$200,000 (S$50,000 if aged 70 or over) | S$23.60 |
| ERGOYesfrom S$27.43 | Yes | ERGO TravelProtect Essential12 of its 12 plansOverseas medical expenses: S$200,000 (S$100,000 above age 70) per person | S$27.43 |
| Great AmericanYesfrom S$28.34 | Yes | Great Travel Insurance Classic24 of its 24 plansOverseas medical expenses: S$200,000 (S$50,000 above age 70; S$200,000 a child on a family plan); follow-up treatment back in Singapore S$10,000 | S$28.34 |
| FWDYesfrom S$37.08 | Yes | Premium54 of its 54 plansOverseas medical expenses: S$200,000 (S$40,000 age 70 or older) | S$37.08 |
| QBEYesfrom S$38.40 | Yes | Travel Prestige Standard Plus20 of its 20 plansOverseas medical expenses: S$500,000 up to age 70 (S$75,000 above 70); follow-up treatment in Singapore within 31 days up to S$12,500 | S$38.40 |
| Great EasternYesfrom S$40.00 | Yes | Basic13 of its 13 plansOverseas medical expenses: S$100,000 per adult under 70 (S$20,000 for adults aged 70 or over, S$30,000 per child), including COVID-19 | S$40.00 |
| ZurichYesfrom S$42.00 | Yes | Travel Guard Direct Basic20 of its 20 plansOverseas medical expenses: S$100,000 (S$10,000 if age 70 or over) | S$42.00 |
| EQ InsuranceYesfrom S$44.00 | Yes | EQ TravelSafe Basic24 of its 24 plansOverseas medical expenses: S$250,000 (S$75,000 if above age 70) | S$44.00 |
| LibertyYesfrom S$45.00 | Yes | TourCare Plus Standard12 of its 24 plansOverseas medical expenses: S$250,000 (S$50,000 age 76-85) | S$45.00 |
| UOIYesfrom S$49.00 | Yes | UniTravel Value21 of its 21 plansOverseas medical expenses: S$100,000 (S$50,000 if age 70 or above) | S$49.00 |
| China TaipingYesfrom S$51.00 | Yes | Lite30 of its 30 plansOverseas medical expenses: S$200,000 (S$40,000 above age 70; S$40,000 a child) | S$51.00 |
| Tokio MarineYesfrom S$54.00 | Yes | TM Travel Trust Standard30 of its 30 plansOverseas medical expenses: S$175,000 (S$75,000 age 70-89) | S$54.00 |
| SinglifeYesfrom S$55.42 | Yes | Travel Lite78 of its 78 plansOverseas medical expenses: S$250,000 (S$75,000 if above age 70) | S$55.42 |
| ChubbYesfrom S$55.50 | Yes | Economy27 of its 54 plansOverseas medical expenses: S$250,000 (S$40,000 for adults above 65) | S$55.50 |
| StarrYesfrom S$58.34 | Yes | TraveLead Bronze21 of its 21 plansOverseas medical expenses: S$200,000 (S$40,000 if age above 70) | S$58.34 |
| India InternationalYesfrom S$69.76 | Yes | i-Journey Classic12 of its 12 plansOverseas medical expenses: S$150,000 (S$50,000 if age 70 or above) | S$69.76 |
| AllianzYesfrom S$72.61 | Yes | Travel Protect Silver30 of its 30 plansOverseas medical expenses: S$200,000 (S$50,000 aged 70 and above) overseas emergency medical care; dental S$500; overseas hospital daily benefit up to S$10,000; follow-up treatment in Singapore up to S$5,000 (S$2,500 aged 70 and above, 30 days); TCM S$300; limits per insured person | S$72.61 |
| IncomeYesfrom S$73.72 | Yes | Classic36 of its 36 plansOverseas medical expenses: S$350,000 (S$300,000 age 70 or over) | S$73.72 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare travel insuranceQuestions people ask
Does travel insurance cover hospital bills overseas?
Yes, that is its main job. All 22 insurers we compare pay overseas medical and hospital bills after an accident or a sudden illness during the trip. Limits run from S$10,000 to unlimited. Conditions you had before the trip are usually excluded. For a hospital stay, call the insurer's 24-hour assistance line, which can arrange payment with the hospital.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 665 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For one week in Thailand, one adult, Sompo Essential is the cheapest plan that covers it, at S$17.70 today, GST included. The median of each insurer's lowest price is S$43.00.