Coverage
Up to S$60,000 per disability, including hospital room and board, surgical fees, and pre/post-hospitalization expenses.
Coverage of $60,000, including inpatient care and surgery. Stay compliant and protect your workforce with flexible, reliable coverage options.
Standardized
exclusion clauses
Age-differentiated
premiums
Reimbursement to hospitals upon claim admission
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.
A:Since 1 July 2025, MOM requires all enhanced medical insurance policies to use standardised exclusion clauses. This means the treatment of pre-existing conditions no longer varies as widely between insurers as it once did — the baseline is set by the scheme itself.
Where cover for a specific condition matters, we check the wording against the worker’s medical history before placing the policy rather than assuming the standard terms will respond.
A: Standard FWMI primarily covers inpatient care and day surgery. Outpatient treatments may not be included and could require additional coverage or riders.
A: Yes. Both Sompo and Chubb are among the insurers approved by MOM to offer enhanced medical insurance, and both write group policies covering multiple employees under a single contract, one renewal date, one invoice, and far less administration than managing individual policies.
Group cover also usually costs less per worker as headcount grows.
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.
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