Foreign Domestic Worker Insurance
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Foreign Domestic Worker Insurance
Are your foreign workers rightfully protected?

According to the Ministry of Manpower (MOM), purchasing medical insurance for foreigners in Singapore is mandatory if you are employing workers on Work Permit 1 or S Pass 2. You would need to purchase and maintain medical coverage of at least $15,000 per year for each worker.

This insurance should cover inpatient care and day surgery, including hospital bills for conditions that may not be work-related. You will need to submit the insurance details online to MOM before the work permits or passes can be issued.

Each insurer provides their own range of coverage and benefits. Ensure that you are getting optimal protection for your Foreign Workers by looking out for the following:

Areas of Coverage to Look Out For
Pre-Existing conditions

Covers pre-existing medical conditions of your workers

Inpatient Treatment

Offer coverage for treatments in hospitals.

Overseas Treatment Coverage

Coverage for work-related treatments carried out Overseas*

Outpatient treatment

Available with higher premiums and Co-payment

Emergency Outpatient treatment for Cancer & Kidney Dialysis

Some insurers make this available.

Claimable Limit

At least $15,000 per policy year**

Repatriation of Mortal Remains

Cover for repatriation of one’s remains back to their home country

* Some insurers can provide coverage for overseas non-work-related emergencies
** more superior limits can also be obtained depending on your needs.

Ensure you Have the Right Plan

Depending on the needs of your company, you could be looking for cost-effective plans, more comprehensive coverage, higher claim limits or more overseas coverage.

We understand that each company is unique. As an insurance broker with access to policies from multiple insurers, we source for tailored solutions suited to your needs.

Consult Us to best Protect your Workers

Frequently Asked Questions About Medical Insurance For Foreigners In Singapore

Foreign worker medical insurance is a compulsory health insurance regulation required by MOM in order to employ Work Permit or S Pass workers in Singapore.

The health insurance in Singapore for foreigners should cover inpatient care and day surgery, including hospital bills for conditions that may not be work-related. You will need to submit the insurance details online to MOM before the permit or pass can be issued.

  1. Pre-Existing Conditions
    Which covers pre-existing medical conditions of your workers.
  2. Overseas Hospitalisation Benefit
    There are work-related medical treatments, which only covers work-related injuries which happened to work in Singapore or overseas assignments. There are also non-work related medical treatments, which cover treatments in Singapore.
  3. Emergency Outpatient Treatment For Cancer & Kidney Dialysis
    While outpatient treatments are usually excluded from the coverage of Foreign Worker Medical Insurance plans, it is possible to secure coverage for outpatient cancer and kidney treatments, as some insurers do make this available.
  4. Outpatient Treatment
    Most policies only cover treatment that is performed in the hospital. However, some plans can cover both inpatient and outpatient treatments, usually with higher premiums and requiring some form of Co-Payment.
  5. Claimable Limit
    MOM has set a requirement for the claimable limit to be at least $15,000 per policy year. However, more superior limits can also be obtained depending on your needs.
  6. Repatriation Of Mortal Remains
    When an unfortunate loss of life happens for your foreign worker due to illness or an accident, insurers can cover for repatriation of their remains back to their home country.

Sources:
1 www.mom.gov.sg/passes-and-permits/work-permit-for-foreign-worker/sector-specific-rules/medical-insurance
2 www.mom.gov.sg/passes-and-permits/s-pass/medical-insurance