Foreign Worker Medical
Protect Your Staff During Their Employment In Singapore
|Description of Beneﬁts||Basic Plan||Basic Plus Plan|
|Annual Policy Limit||S$60,000||S$60,000|
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
1. Hospital Room & Board
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
7. Pre-Hospitalisation Specialist Consultation Fees
8. Post-Hospitalisation Treatment
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)
|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|
Available only to Work Permit or S Pass Holders whose entry age is 65 years & below (at last birthday).
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.
The following are some key provisions found in the actual policy wordings of this plan.
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.
Coverage may be renewed on the Policy Anniversary Date by payment of the annual premium up to the age limit of 69 years old.
Premiums payable for this coverage are not guaranteed and may be revised at policy renewal at the full discretion of the Company.
24 hours coverage within Singapore
This product provides coverage for the following features that comply with the Ministry of Manpower's (MOM) enhanced Medical Insurance (MI) requirements:
|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)