Lori Meadows
Singapore is a popular destination for international students due to its world-class higher education and sophisticated lifestyle. Students from across the world, including Singapore and Malaysia, choose St. George's University for its global impact and academic excellence. The University offers a five-year MD program for students with Advanced Level or International Baccalaureate credentials, as well as a six-year MD program for students with further education examination qualifications. International students intending to study in Singapore must apply for a student visa, known as a student pass, if they plan to enroll in any academic program lasting longer than 30 days. There are various health insurance options available for international students in Singapore, including Global Underwriters, GeoBlue, and IMG.
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What You'll Learn
International health insurance for international students in Singapore
Singapore is a popular destination for international students due to its world-class higher education and sophisticated lifestyle. If you are an international student planning to enroll in any academic program longer than 30 days, you must apply for a student visa or a student pass. Additionally, most institutions require you to present proof of health insurance before enrollment. Here is some information about international health insurance options for international students in Singapore:
IMG Student Insurance Plans
IMG offers three main student-focused insurance plans, two of which are relevant for students studying in Singapore. These plans cover basic health requirements, including mental health treatments, maternity care, and pre-existing illnesses.
Cigna Global Insurance Plans
Cigna Global, one of the world's largest health insurers, offers three main plans: Silver, Gold, and Platinum. These plans are flexible and provide coverage not only in Singapore but also worldwide. You can choose to add coverage options such as dental and eye care or international evacuation and crisis assistance. Cigna Global offers various payment options, including annual, monthly, and quarterly plans.
Global Underwriters Insurance Plans
Global Underwriters offers two plans for exchange students in Singapore: Diplomat Long Term and Diplomat International. These plans provide coverage for medical evacuations, emergency dentistry, and repatriation of human remains, with extra coverage for lost luggage and travel interruptions. The plans have a coverage limit of up to $1,000,000. However, it is important to note that the Diplomat International plan does not cover Covid-19 infection.
Foyer Global Health Insurance Plans
Foyer Global Health offers a range of plans, from Basic to Premium, catering to short or long-term stays in Singapore.
It is recommended that international students in Singapore obtain private health insurance, as non-permanent resident students are not eligible for government assistance or subsidies for healthcare, including MediShield Life coverage. By having private health insurance, you can ensure that you are covered for medical treatments and consultations during your stay in Singapore.
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Singapore's student visa requirements
Singapore is a popular destination for international students due to its world-class higher education and sophisticated lifestyle. If you are an international student intending to pursue an academic programme in Singapore lasting longer than 30 days, you must apply for a student visa, known as a Student's Pass (STP).
To apply for a Student's Pass, you must first be accepted into a full-time course at an approved educational institution in Singapore. Once you have received your formal, written invitation to join the institute, you can begin the visa application process. The application must be submitted to the Student's Pass Online Application and Registration (SOLAR) system, and you will need the following documents:
- A copy of your invitation letter issued by the institute
- Proof of acceptance for admission from the institution
- A completed student application form
- Receipt of the visa fee
- Proof of funds, such as bank statements showing you can fund your education and living expenses
- Academic certificates, transcripts, and test scores
- At least two passport-sized photos
- A valid passport
It is recommended that you start the visa application process at least one to two months before your course begins. In most cases, if you have complied with all the requirements, you may get your visa within 15 days to a month. However, sometimes the process can take longer, especially if the immigration officers require additional information or an interview.
During your studies, you are permitted to work part-time for up to 16 hours per week on your student pass. After graduating, if you wish to stay in Singapore and look for full-time employment, you must convert your student pass into a visit pass, which is valid for one year.
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Medical degrees recognised in Singapore
Singapore is a popular destination for international students due to its world-class higher education and sophisticated lifestyle. The country has a multipayer healthcare financing framework, with clinical teaching taking place in public healthcare institutions.
The government regulates the number of doctors by adjusting the admissions to medical schools and allowing foreign-trained doctors to practise in the country. Medical degrees from foreign universities are recognised in Singapore, with graduates from recognised institutions allowed to apply to practise in the country. However, they must fulfil the requirements set out by the Singapore Medical Council (SMC). The SMC assesses foreign-trained medical doctors in their initial years to ensure high standards of medical practice.
From January 1, 2025, nine additional foreign universities will be recognised, bringing the total number of recognised foreign medical schools in Singapore to 112. These include the University of Newcastle's School of Medicine and Public Health in Australia, five universities in the United Kingdom, including Leeds University's School of Medicine, and three universities in Ireland. With these new additions, Singapore will recognise medical degrees from nine Australian universities, 24 UK universities, and three Irish universities.
For international students, studying medicine in Singapore involves various requirements and procedures. Students must obtain a student visa, known as a Student Pass or IHL, for any academic program longer than 30 days. The application process involves submitting various documents, including proof of acceptance, a valid passport, academic certificates, and proof of funds. International students can also work part-time during their studies and apply for scholarships.
Singapore offers a high-quality education, providing a great opportunity for international students pursuing medical degrees recognised by the country's healthcare system.
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Singapore's health care financing system
Singapore's healthcare system is underpinned by the belief that all stakeholders share responsibility for attaining sustainable universal health coverage. It has a multi-payer healthcare financing framework, where a single treatment episode might be covered by multiple schemes and payers, often with overlapping contributions. This system is known as the 3Ms and comprises the following programmes:
MediShield Life
MediShield Life is a universal basic healthcare insurance programme that is mandatory for citizens and permanent residents. It provides lifelong protection against large hospital bills and select costly outpatient treatments. It was launched in 2015 to replace MediShield, an opt-out catastrophic illness insurance scheme. Patients pay premiums, deductibles, co-insurance, and any costs above the claim limit.
MediSave
MediSave is a national medical savings scheme that helps cover out-of-pocket payments. Personal and employer salary contributions (ranging from 8% to 10.5%, depending on age) to MediSave accounts are mandatory for all working citizens and permanent residents.
MediFund
MediFund is a safety net for Singaporeans facing financial difficulties with their medical bills after receiving government subsidies and drawing on other means of payment, including MediShield Life, private Integrated Plans (IPs), MediSave, and cash.
Singapore's healthcare financing system also includes heavy government subsidies, which can cover up to 80% of the total bill in acute public hospital wards. The Ministry of Health (MOH) provides subsidies for treatments and services that have been assessed to be clinically and cost-effective, including day surgeries and operations, acute inpatient care, haemodialysis and peritoneal dialysis treatment, specialist outpatient care, and long-term care services. The government also offers financing schemes to help citizens with the costs of conception support, maternity and newborn care, and adult immunisation vaccines.
Singapore's healthcare system is recognised for its good healthcare outcomes, with a national healthcare expenditure of about 4% of its GDP, which is low among developed countries. The system promotes competition and transparency and adopts technology to improve the delivery of healthcare services.
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Studying medicine at an overseas school recognised in Singapore
Singapore is a popular destination for international students due to its world-class higher education and sophisticated lifestyle. The country's healthcare system is financed by a multipayer framework, where multiple schemes and payers often overlap to cover a single treatment episode. This system, known as the 3Ms, includes MediShield Life, a universal basic health care insurance programme, and MediSave, a national medical savings scheme.
To address the growing demand for doctors as the country's population ages, the Ministry of Health and Singapore Medical Council (SMC) have added nine more overseas universities to their list of recognised medical degrees, bringing the total number of approved overseas medical schools to 112. This means that aspiring medical students now have more freedom to choose from globally respected programmes in countries like Australia, the UK, Ireland, the USA, Canada and New Zealand, and return to become a doctor in Singapore.
The SMC has selected these overseas institutions based on rigorous criteria, including international rankings, the language of instruction for practice in Singapore (i.e. English), and the performance of doctors who graduated from these universities. Graduates from these medical schools, regardless of nationality, can apply to the SMC to practise in Singapore, provided they fulfil the prevailing requirements.
If you are an international student planning to enrol in any academic programme in Singapore for more than 30 days, you must apply for a student visa, known as a student pass or IHL. To apply for an IHL, the Institute of Higher Learning will submit a request to the SOLAR website on your behalf. You will then need to submit Form 16 and Form V36 on the SOLAR website, providing personal information such as your name, country, date of birth, gender, and course information.
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Frequently asked questions
International students applying for health programs in Singapore must apply for a student visa, known as a Student Pass, for any academic program lasting longer than 30 days. English is the medium of instruction, and students must provide proof of acceptance, a valid passport, academic certificates, and proof of funds.
St. George's University in Singapore offers a five-year MD program for students with Advanced Level or International Baccalaureate credentials. The program includes challenging medical education coursework in anatomy and physiology.
International health insurance companies like GeoBlue and Global Underwriters offer plans for international students in Singapore. These plans provide coverage for medical evacuations, emergency dentistry, and repatriation of human remains.
St. George's University offers a variety of scholarships designed to recognize academic excellence. Approximately 35% of students enrolled in the MD program receive scholarship support. Additionally, international students in Singapore may apply for the Singapore Ministry of Education's ASEAN Undergraduate Scholarship.
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