Foreign Worker Health Insurance Singapore

MOM
Compliance

COVID-19
Protection

Flexible
Plans

Key Features of the Foreign Worker Health Insurance:

Standardized
exclusion clauses

Age-differentiated
premiums

Reimbursement to hospitals upon claim admission

Coverage

Up to S$60,000 per disability, including hospital room and board, surgical fees, and pre/post-hospitalization expenses.

Coverage

Includes daily hospital room and board, ICU, surgical fees, anesthetist fees, and in-hospital physician visits.

No Exclusion of Specific Illnesses

Ensures comprehensive protection without excluding specific illnesses.

Additional Services

IOffers ambulance fees and medical report fees coverage.

Additional Benefits

Includes COVID-19 coverage for new workers entering Singapore, repatriation expenses, and personal accident coverage for non-work-related incidents.

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Frequently Asked Questions (FAQ)

Q1: Is it mandatory to purchase medical insurance for all foreign workers?

A: Yes, under MOM regulations, employers must provide medical insurance for all Work Permit and S Pass holders, with a minimum coverage of S$60,000 per year.

Q2: What happens if my foreign worker has a pre-existing condition?

A: Some insurance plans, like Liberty’s, cover pre-existing conditions. It’s essential to check the specific terms of the policy to ensure comprehensive coverage.

Q3: Are outpatient treatments covered under FWMI?

A: Standard FWMI primarily covers inpatient care and day surgery. Outpatient treatments may not be included and could require additional coverage or riders.

Q4: Can I purchase a group insurance plan for all my foreign workers?

A: Yes, providers like Sompo offer group medical insurance plans that cover multiple employees under a single policy, simplifying administration and potentially reducing costs.

Q5: How does the Enhanced Medical Insurance (EMI) affect my current FWMI policy?

A: EMI introduces stricter requirements, including standardized exclusions and direct hospital reimbursements. Employers should review and adjust their existing policies to comply with these upcoming changes. Ensuring adequate medical coverage for your foreign workers is not only a legal obligation but also a testament to your commitment to their well-being. By understanding the requirements and options available, you can make informed decisions that protect both your employees and your business.