Foreign Worker Medical Insurance

Yes, foreign worker medical insurance is mandatory in Singapore. The Ministry of Manpower (MOM) requires employers to purchase medical insurance with coverage of at least $15,000 per year for their Work Permit holders. This is a legal requirement for all foreign workers in the Construction, Marine, Process, Manufacturing, and Services sectors.

Foreign worker medical insurance in Singapore typically covers inpatient care, day surgery, hospitalization expenses, and sometimes outpatient treatment. The basic coverage meets MOM's minimum requirement of $15,000 per year. Some policies offer additional benefits like personal accident coverage, repatriation expenses, and dental care as optional add-ons.

Foreign worker medical insurance in Singapore typically costs between $70 to $100 per year for basic coverage that meets MOM requirements. The exact price depends on the coverage level, additional benefits, and insurance provider. Bulk discounts are often available for companies insuring multiple workers.

Most foreign worker medical insurance policies in Singapore do not cover pre-existing conditions. It's important to declare any known medical conditions during the application process. Some insurers may offer limited coverage for pre-existing conditions at an additional premium, but this is not standard practice.

To make a claim, contact your insurer immediately and submit the required documents (medical bills, work permit details, etc.). Many insurers now offer online claim submission through their website or mobile app. Some insurers also provide direct billing facilities at panel clinics and hospitals, which eliminates the need for upfront payment by the worker or employer.