Mental Health Insurance in Singapore, What’s Actually Covered?

Mental health is getting more attention in SG, but insurance coverage is still quite limited depending on what you need.

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MediShield Life mainly covers inpatient psychiatric treatment (i.e. hospitalisation), but not outpatient therapy or counselling. Integrated Shield Plans can increase claim limits, but they’re still mostly focused on hospital stays.

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For outpatient care like therapy, most people rely on employer insurance (if any), MediSave (with low limits), or pay out of pocket. Global health insurance plans cover more, but premiums are much higher.

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Because of this, mental health coverage in SG is still quite hospital-focused, not therapy-focused. Insurance can help in severe cases, but not so much for ongoing support.

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