scroll up


BLACAZ. range of international health insurance covers are customised for individuals of all nationalities with the highest level of expectations, regardless of your profession, leisure and your sports.

Get your Health insurance online
Add a spouse
Enter the Age of
the Spouse
Add Children
How many children do you have?
Starts from
BLACAZ. needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. Please review our Privacy Policy.
Starts from


BLACAZ. range of international health insurance covers are customised for individuals of all nationalities with the highest level of expectations, regardless of your profession, leisure and your sports.


Your benefits

No frills, just expertise, transparency and common sense. We've got you covered.

COVID-19 coverage
Included in our plans
All inpatient & outpatient benefits
Tailored made according to your needs
Dental and optical benefits
Are covered with flexible limits
Medical check-ups
To prevent any disease and to keep you healthy
Worldwide emergency
Medical assistance, evacuation and repatriation
Cancer coverage
Can be added to cover you at all stages
“The First wealth is health.”
R. Waldo Emerson

FAQs - Health Insurance

Find the replies to your questions right below or connect with us!
What is Health insurance?

Health insurance coverage pays the medical or surgical expenses incurred by the insured. Health insurance policy provides financial protection in an event of accident, illness, or disability. It can cover the cost of your medical treatment or nursing care as well as provide an income while you are hospitalized or disabled.  

In general, health insurance policy provides benefits such as: 

  • All inpatient benefits are covered up to 100% 
  • Outpatient benefits are covered up to 100% with a modular annual maximum 
  • Dental and optical benefits are covered with a high annual maximum 
  • Medical check-ups are covered 
  • Worldwide emergency medical assistance, evacuation and repatriation
Who needs Health insurance?

Health insurance is one such policy that is a must have for everyone irrespective of the age as serious illness or unexpected accidents can happen to anyone. However, citizens of Singapore are already covered by MediShield Life, a compulsory health insurance scheme by the government that pays for basic public hospital treatments. It provides flexibility to opt for a better type ward or private hospital by upgrading to an Integrated Shield Plan with wider coverage. 

Besides the Singaporeans, Expats in Singapore should consider buying health insurance if you find yourself in one of the following situations: 

  1. You already have an employment contract in Singapore and your employer offers health insurance. However, you wish to expand your coverage as you feel the company-sponsored plan is inadequate. 
  2. You have started a business in Singapore and do not have a health insurance plan. 
  3. You are a trailing spouse who has followed your partner to Singapore, or are married to a Singaporean or PR. You are not covered by health insurance. 
  4. You have dependents such as children or a non-working spouse who are not adequately covered by health insurance.
What does Health insurance not cover?

Although each benefit plan is different, depending on the sponsor's needs, and depending on state regulations (each state has its own insurance commissioner), there are services that are typically not covered by most health insurance plans such as:

  1. Cosmetic procedures that improve someone's exterior appearance, such as plastic surgery and some dermatological procedures, are often not covered by typical plans
  2. Fertility treatment costs aren't covered by health insurance
  3. Off-label prescriptions may not be covered by health insurance
Will I get money back from Health Insurance?

Under development.

How to switch insurance if I'm already covered?

Switching policy provider at the time of renewal, that is when your current insurance is near expiration, is straightforward. However, it's important to maintain the continuity of coverage while switching insurance providers. Our team at BLACAZ is always eager to assist you, so get in touch if you have any concerns.


Connect with an Expert

An unanswered question? Need expert advice? Choosing the right insurance is not always easy, don't hesitate to contact us, we are here to help you.

Download brochure

Other Individual Products

Protect every aspect of your business.

Art &
Yachts &
Private Jets
Home &
Real Estate
About Blacaz.

More about BLACAZ.

Learn more about our values and expertise

Contact Us