Foreign Worker Medical

Key Benefits

1

No exclusion of specific illness imposed

2

Repatriation expenses of mortal remains

3

No minimum hours required for hospital confinement

4

Personal accident (due to non-work related)

5

Provides Covid-19 cover for new workers entering Singapore

Find A Plan That Meets Your Needs

Description of Beneﬁts	Basic Plan	Basic Plus Plan
A. Hospitalisation
Annual Policy Limit	S$60,000	S$60,000
Co-Insurance i) Applicable to claim amount exceeding S$15,000 limit accumulated per Policy Period ii) Applicable to item no. 1 to 10 under Section A	25%	0%
1. Hospital Room & Board (Based on 4 Bedded Singapore Government/Restructured Hospital charges) 2. Intensive Care Unit 3. Hospital Miscellaneous Services 4. Surgical Fee 5. In-Hospital Physician's Visit 6. Pre-Hospitalisation Diagnostic X-ray & Lab Test (Within 90 days prior to hospitalisation or day surgery) 7. Pre-Hospitalisation Specialist Consultation Fees (Within 90 days prior to hospitalisation or day surgery) 8. Post-Hospitalisation Treatment (Within 90 days following discharge from Hospital) 9. Claim Medical Report Fees	As Charged Up To Annual Policy Limit	As Charged Up To Annual Policy Limit
10. Pre-Existing Conditions	Covered	Covered
B. Additional Benefits
1. Special Grant Per Person 2. Repatriation Expenses of Mortal Remains 3. Personal Accident (due to non-work related)	S$3,000 S$2,000 S$10,000	S$3,000 S$2,000 S$10,000

Pro-ration Factors

Admitted into a higher ward or Private Hospital	Insured Pays
Private Hospital	45% of the eligible claim amount
A1 Class in Singapore Government/Restructured Hospitals	35% of the eligible claim amount
A2 Class in Singapore Government/Restructured Hospitals	25% of the eligible claim amount
B1 Class in Singapore Government/Restructured Hospitals	15% of the eligible claim amount

Notes

Persons Eligible to Apply

Available only to Work Permit or S Pass Holders whose entry age is 65 years & below (at last birthday).

Major Exclusions

There are some costs which are not covered under the Policy, the following are some major exclusions for this Policy. You are advised to read the policy wordings for the full list of exclusions.

Routine medical examination (including vaccination, the issue of medical certificates and attestations) confinement in the hospital to facilitate the taking of X-Ray or conduct of test
Treatment relating to birth defects, congenital abnormalities and hereditary conditions

Key Product Provisions

The following are some key provisions found in the actual policy wordings of this plan.

Cancellation Clause

The Company reserves the right to terminate the coverage at any time giving 30 days’ notice in writing to the Insured. Whenever such cancellation occurs, the Company shall return the unearned portion of premium based on the short rated table (refer to actual policy wordings). No premium will be refunded if claims have already been made by the Insured. Cancellation shall be without prejudice to any claim origination prior to the effective date of cancellation.

Terms of Renewal

Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium up to the age limit of 69 years old.

Non-Guaranteed Premium

Premiums payable for this coverage are not guaranteed and may be revised at policy renewal at the full discretion of the Company.

Geographical Cover

24 hours coverage within Singapore

Pre-contract disclosure for medical insurance plans for Work Permit and S Pass Holders

This product provides coverage for the following features that comply with the Ministry of Manpower's (MOM) enhanced Medical Insurance (MI) requirements:

MI Requirements	Yes/No
Annual claim limit of at least $60,000, inclusive of a first-dollar cover of $15,000	Yes
For portion of the bill above $15,000, the employer must co-pay up to 25% (to the hospital)	Yes
Exclusions are in line with MOM's list of allowable exclusions	No*
Age-differentiated premiums are in 2 age bands: (1) ≤50 years old and (2) >50 years old	No*
Insurers will reimburse our portion of the hospital bill to hospitals directly upon admissibility of the medical claim	No*

*These features are to be implemented on/after 1st July 2025 in accordance with MOM's Stage 2 requirement under enhanced MI for Work Permit and S Pass Holders.

This Policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg)