Foreign Workers' Medical Insurance
Provide the necessary coverage for your foreign workers
(Work Permits & S Pass holders).
(Work Permits & S Pass holders).
About Foreign Workers' Medical Insurance
According to the Ministry Of Manpower (MOM) in Singapore, it is mandatory to purchase a medical insurance plan for the hiring of any work permit or S Pass foreign workers. Employers have the responsibility to ensure that the hired foreign workers must be fully covered against any inpatient expenses incurred till the end of contract period.
Key Benefits
As-charged plan with no sub-limit of surgical schedule
No minimum headcount requirement
Straightforward and easy to understand
Protected up to specified limits by SDIC.
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What are the key employee medical insurance coverage?
Employers must purchase and ensure yearly maintenance of the minimum S$60,000 for employees’ inpatient coverage. This insurance covers non-work related medical expenses incurred due to hospitalisation and/or surgery during their contract period in Singapore. The covered expenses are:
- Pre-hospitalisation consultation, surgery consultation and diagnostic services (Within 3 months prior to admission)
- Warded in Government-restructured hospitals
- Intensive Care Unit
- Surgery related fees
- Post-surgery treatment (Within 3 months after discharge)
- Death benefit
- Coverage against Personal accident (death & permanent disability)
Does the medical insurance covers COVID-19?
Medical insurance covers hospitalisation expenses, and when the foreign worker is hospitalised due to COVID-19, except during the Stay-Home-Notice period.
What is the key difference between Foreign Worker Medical Insurance and Work Injury Compensation Insurance?
Foreign Worker Medical Insurance covers non-work related inpatient medical expenses that the worker incurs. In contrast, Work Injury Compensation Insurance covers the compensation of work-related diseases and injuries.
Can I enhance the coverage beyond the mandatory requirements?
China Taiping Singapore offers two plan options under the Foreign Worker Medical Insurance scheme. While both plans meet the mandatory coverage requirements, the key difference lies in the co-payment structure:
- Plan A: 25% co-payment by the employer and 75% by the insurer. Co-payment is applicable on claim amount after the first $15,000.
- Plan B: No co-payment required (full coverage by the insurer)
Employers can select the plan that best suits their budget and protection needs for their foreign workers.
What documents are needed to submit a claim?
To file a claim in Singapore, employers typically need to submit the completed claim form, original medical invoices, detailed hospital bills, discharge summary, and a copy of the worker’s Work Permit or S-Pass card. China Taiping Singapore may request additional documents depending on the case.
