Inclusive – Secure – Compassionate

Care that works for you

As an employer with workers under Work Permit and/or S-Pass, you must buy and maintain Foreign Worker Medical Insurance (FWMI) with coverage for inpatient care and day surgery, including hospital bills for conditions that may not be work-related. The coverage for each Work Permit holder has to be at least $60,000 per year.

Product Details

  • Broad Medical Coverage: The policy covers hospital and surgical expenses, allowing workers to receive the medical attention they need without significant delays.
  • Repatriation Expenses: If a foreign worker passes away, FWMI covers the costs of repatriating the mortal remains to their home country.
  • Personal Accident Coverage: Provides additional security for non-work-related accidents.

Standard coverage under FWMI includes hospitalization costs up to S$60,000 per disability. This cap helps manage unexpected medical expenses while ensuring the worker receives the necessary treatment. Co-insurance varies, with some plans offering coverage with no co-payment requirements. For example:

  • Basic Plans: Co-insurance involve a 25% share. Applicable to claim amount exceeding S$15,000 limit accumulated per Policy Period – up to the policy’s limit
  • Enhanced Plans: Offer coverage up to the policy’s limit without co-payments.

Room and board coverage typically include four-bed rooms, supporting an environment conducive to recovery.

FWMI applies to Work Permit and Special Pass holders up to the age of 65. Employers need to be aware of key exclusions such as:

  • Routine medical exams.
  • Conditions related to congenital abnormalities.
  • Birth defects and hereditary conditions