Foreign Worker Medical Insurance

Provides the necessary coverage for your foreign employees (Work Permits & S Pass holders).

Overview

· Daily Room and Board Charges

We pay for the hospital charges for accommodation, general nursing services and meals for each day of confinement as an Inpatient in a Hospital at the recommendation of a Physician.

· Intensive Care Unit

We pay for the daily room and board charges incurred when an insured worker is in the intensive care unit of a hospital.

· Hospital Miscellaneous Expenses

We pay for the miscellaneous hospital charges incurred in the hospital that are medically necessary.

· Post-Hospitalisation Treatment

We pay for the charges incurred for follow-up treatment by the same attending physician immediately after discharge from a hospital or day surgery.

Key Benefits

· Pre-Existing Conditions

Pre-existing conditions are covered upon inception of cover except for Optional Benefits - Outpatient Kidney Dialysis and Cancer Treatment which are permanently excluded.

· Hassle-Free Administration

Policy can be administered on a headcount basis for group size of more than 20 workers.

· Better Refund Policy

A 4-tier premium adjustment for addition and deletion of workers.

· No waiting Period

No waiting period of 12 months.

Frequently Asked Questions

· Why do I need to purchase medical insurance for my foreign worker?

Since 1st January 2008, subsidies on hospital bills for foreigners have been removed. With the revision, Ministry of Manpower (MOM) mandates for all employers to purchase a minimum medical insurance of S$5,000 for their foreign workers during their stay in Singapore. And with effect from 1st January 2010, MOM announced that the minimum insurance coverage has been increased from S$5,000 to S$15,000 for foreign workers (Work Permits & S Pass holders). With the mandatory increase in the benefits, buying medical insurance for your foreign worker will help to reduce your exposure to large bills.

· What are the benefits under our FWMI plan?

[] All pre-existing illness are covered up to S$15,000, except for Outpatient Kidney Dialysis and Cancer treatment which is permanently excluded.

[] No waiting period of 12 months.

[] Policy can be administered on a headcount basis for group size 5 and above.

[] A 4-tier premium refund policy for addition and deletion of workers.

[] Faster claims processing.

· Do I need to update MOM on the medical insurance?

Yes. All employers need to furnish the medical insurance details for their Work Permit and S Pass holders via Work Permit Online (WPOL).

You are required to furnish the following information:

1. Name of Insurer: 

2. Insurance Policy Number

3. Insurance Policy Commencement Date

4. Insurance Policy Expiry Date 

For more information, you may visit MOM’s website at www.mom.gov.sg or contact MOM's hotline directly at: Tel: (65) 6438 5122

MOM allows same policy no. for registration of additional workers. If you encounter any errors in online registration, you may print the screen shot, indicating the error message and fax to MOM at 65320795.

· Can I backdate the policy commencement date?

Backdating of policy commencement date is not allowed.

· Does the Foreign Worker Medical Insurance plan guarantee renewability?

Renewability is not guaranteed, subject to claims experience. The premium rate may also change upon renewal.

· How are the premiums charged / refunded if an employee joins or leave the employment of the company?

If the group size is four (4) and below, we will issue a Group Policy on “named” basis. Details of insured workers must be provided in the application form or submission of IPA or via email on inception &/or renewal for issuance of policy. Insured must notify us in writing within one (1) month for inclusion / termination of worker and we shall charge or refund the premium as stated in the table (refer to the policy wording for details).

If the group size is five (5) and above, the Policy shall be administered on a “headcount” or “unnamed” basis with a list of all insured workers lodged with us at inception &/or on renewal date. New workers will be automatically covered.  Headcount Adjustments, based on average, will be done at the end of each policy period if the policy is renewed for another twelve (12) months. Refund premium, if any, is subject to the following conditions:

(i)    Refund amount must not exceed 25% of the Provision Premium.

(ii)   Claim experience must not exceed 65%.

*No refund of premium will be granted if there is a claim submitted by the terminated worker.

· How do I submit the claims for the hospital bill?

Written notice of claim must be provided to EQ Insurance within 30 days after the occurrence of any event which may give rise to a claim under the Policy, or as soon as is reasonably possible. Checklist of documents required for claims processing are as follow:

Ø Claim form duly signed and completed

Ø Copy of work permit

Ø Original Medical Bills

Ø Copy of Inpatient Discharge Summary

Ø Copy of A&E Discharge Summary (if any)

Ø Copy of the MRI Scan report, x-ray report and laboratory test report (if any)