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Medical-Foreign Worker

Safeguard your liabilities for medical expenses for your foreign workers

Safeguard your liabilities for medical expenses for your foreign workers

Effective from 1st January 2010, employers are required to put into effect a minimum medical insurance coverage of S$15,000 per year for each foreign worker (work permit including foreign domestic worker and S Pass holder) for inpatient care and day surgery. This requirement was implemented in tandem with the withdrawal of healthcare subsidies for foreigners.

As an employer, it is therefore vital to take up Liberty’s Foreign Worker Medical Insurance as it can help to reduce exposure to large hospital bills as well as fulfill your legal obligations.

 

Subject to policy terms, conditions and exclusions.

Benefits at a Glance:

  1. No surgical schedule imposed
  2. No exclusion of specific illness imposed
  3. Limit is based on per disability (Plans A & B)
  4. No minimum number of hours required for hospital confinement (Plans A & B)
  5. Special grant provided under Plans A & B

Summary of Benefits

Description of Benefits
Plan A
Plan B
Plan C
Room & Board As Charged
(Based on 6 Bedded Singapore Government Restructured Hospital Charges)
As Charged
(Based on 6 Bedded Singapore Government Restructured Hospital Charges)
As Charged
(Based on C Ward in Singapore Government Restructured Hospital Charges)
Intensive Care Unit As Charged As Charged As Charged
(up to max 10 days)
Hospital Miscellaneous Services As Charged As Charged As Charged
Surgical Fee As Charged As Charged As Charged
In Hospital Physician’s Visits As Charged As Charged As Charged
Pre-Hospitalization Diagnostic X-Ray & Lab Test As Charged
(90 days prior to hospitalization)
As Charged
(90 days prior to hospitalization)
As Charged
(30 days prior to hospitalization)
Pre-Hospitalization Specialist Consultation Fees As Charged
(90 days prior to hospitalization)
As Charged
(90 days prior to hospitalization)
As Charged
(30 days prior to hospitalization)
Post Hospitalization As Charged
(within 90 days following discharged from Hospital)
As Charged
(within 90 days following discharged from Hospital)
As Charged
(within 30 days following discharged from Hospital)
Limit Per Person S$15,000
Per Disability
S$15,000
Per Disability
S$15,000
Per Policy Year
Coinsurance*
Deductible*
*Subject to Coinsurancce or Deductible whichever is higher for each and every claim
NIL
NIL
10%
S$500
NIL
NIL
Special Grant per person S$3,000 S$3,000 NIL

 

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.