Medical Ins for Foriegn worker

Foreign Worker Medical Insurance

The Ministry of Manpower will require employers to purchase and maintain insurance for the medical expenses of foreign workers from 1 January 2008. This requirement is being implemented in tandem with the withdrawal of healthcare subsidies for foreigners, which was previously announced by the Ministry of Health.

The requirement will apply to:

• All new and existing foreign workers on Work Permit or S Pass from 1 January 2008.
• All new foreign domestic workers, and existing foreign domestic workers when employers renew their Work Permits, from 1 January 2008.

Press Release

Introduction of Employer-financed Medical Insurance Requirement for Foreign Workers

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13 September 2007

The Ministry of Manpower will require employers to purchase and maintain insurance for the medical expenses of foreign workers from 1 January 2008. This requirement is being implemented in tandem with the withdrawal of healthcare subsidies for foreigners , which was previously announced by the Ministry of Health. The requirement will apply to:

*
All new and existing foreign workers on Work Permit or S Pass from 1 January 2008.
*
All new foreign domestic workers, and existing foreign domestic workers when employers renew their Work Permits, from 1 January 2008.

Medical Insurance Requirement

2. The coverage must be at least $5,000 a year for each worker's inpatient care and day surgery during his/her stay in Singapore. The coverage amount is set at a basic level, and will be sufficient to cover nine out of every ten hospital bills for foreign workers, based on statistics from the Ministry of Health.

3. The requirement to purchase and maintain medical insurance will be included as a condition of a Work Permit or S Pass. This is in line with the employers' existing responsibility for the upkeep and maintenance of their foreign workers, including the provision of medical treatment.

Medical Insurance Plans

4. To help employers meet the medical insurance requirement, MOM has worked with insurers to make available suitable plans. Employers may consider purchasing insurance plans from NTUC Income Insurance Co-Operative Ltd, Great Eastern Life Assurance Co Ltd, or Overseas Assurance Corporation Ltd (as indicated below). These insurers have responded to MOM's Request for Proposal exercise with competitive plans. Employers may also choose other plans offered by any insurer, so long as it meets the coverage criteria.

Available plans for foreign workers:

*
Medical Insurance Scheme for Foreign Workers, by NTUC Income Insurance Co-operative Ltd (from as low as $58 per 12-month policy period)*
*
Foreign Workers Group Hospital and Surgical Plan, by Great Eastern Life Assurance Co Ltd (from as low as $80 per 12-month policy period)*

Available plans for foreign domestic workers:

*
Medical Insurance Scheme for Foreign Domestic Workers, by NTUC Income Insurance Co- operative Ltd (from as low as $120 per 26-month policy period)*
*
OAC Maid Supreme, by Overseas Assurance Corporation Ltd (from as low as $110 per 26-month policy period)

5. Further details on the medical insurance requirement will be sent to employers of foreign workers and foreign domestic workers. More information is also available on the Ministry's website or call call MOM Contact Centre at (65) 6438 5122.

(* Note: See Annex A for details. These are indicative prices, and direct comparisons are not meaningful because of different product features. Employers can contact the insurers for a detailed quotation.)

1 Hospital subsidies for foreigners (including foreign workers) will be withdrawn with effect from 1 January 2008

Annex A

AVAILABLE INSURANCE PLANS FOR EMPLOYERS OF FOREIGN WORKERS

(MOM's requirements are in Bold Italics - employers are free to decide on the other parameters, which could lower premium costs)

A.Medical Insurance Scheme for Foreign Workers

Name of Insurance Company

NTUC Income Insurance Co-Operative Ltd

Premium Rates

a) $75 to $125 - No co-insurance/deductible

b) $58 to $97 - Subject to 10% co-insurance or $500 deductible, whichever higher

(Rates are before GST, and are per 12 month policy period.)

Maximum Limit

$5000 per year for a) and b)

Benefits

Inpatient Care

Day Surgery

Surgery

90 Days Pre- and 90 Days Post-Hospitalisation Diagnostic Services and Treatment

Available Riders

Specialist Outpatient Care

Increase in Benefit Limit, up to an additional $5,000

Funeral Expense of up to $3,000

Critical Illness of up to $10,000 per policy year


1. The premium rates above are for general information and are non-guaranteed.

2. The above are subject to other terms and conditions as may be specified by NTUC Income Insurance Co-Operative Ltd.

3. For any enquiries or quotation, please contact NTUC Income Insurance Co-Operative Ltd.

B.Foreign Workers Group Hospital and Surgical Plan

Name of Insurance Company

Great Eastern Life Assurance Co Ltd

Premium Rates

$80 to $110 – No co-insurance/ deductible

(Rates are before GST, and are per 12 month policy period.)

Maximum Limit

$5,000 per year

Benefits

Inpatient Care

Day Surgery

Surgery

90 Days Pre- and 90 Days Post-Hospitalisation Diagnostic Services and Treatment

Funeral Expenses of $3000

Available Riders

Specialist Outpatient Care

Outpatient Kidney Dialysis and Cancer Treatment

Variations in Benefit Limit, Co-insurance or Deductibles

Per Disability Limits

Note:

1. The premium rates above are indicative and for general information. They are non-guaranteed.

2. The above are subject to other terms and conditions as may be specified by Great Eastern Life Assurance Co Ltd.

3. For any enquiries or quotation, please contact Great Eastern Life Assurance Co Ltd.

AVAILABLE INSURANCE PLANS FOR EMPLOYERS OF FOREIGN DOMESTIC WORKERS

(MOM's requirements are in Bold Italics - employers are free to decide on the other parameters, which could lower premium costs)

A.Medical Insurance Scheme for Foreign Domestic Workers

Name of Insurance Company

NTUC Income Insurance Co-Operative Ltd

Premium Rates

From $120 (inclusive of GST), per 26-month policy period

Maximum Limit

$5,000 per year

Co-insurance/ Deductible

Nil

Benefits

Inpatient Care

Day Surgery

90 Days Pre- and 90 Days Post-Hospitalisation Diagnostic Services and Treatment

Available Riders

Specialist Outpatient Care

Increase in Benefit Limit, up to an additional $5000

Funeral Expense of up to $3,000

Critical Illness of up to $10,000 per policy year

Useful Information

Note:

1. The premium rates provided above are for general information and are non-guaranteed.

2. The above are subject to other terms and conditions as may be specified by NTUC Income Insurance Co-Operative Ltd.

3. For any enquiries or quotation, please contact NTUC Income Insurance Co-Operative Ltd.


B.OAC Maid Supreme

Name of Insurance Company

Overseas Assurance Corporation Ltd

Premium Rates

$110 (inclusive of GST), per 26-month policy period

Maximum Limit

$5,000 per year

Co-insurance/ Deductible

Nil

Benefits

Inpatient Care

Day Surgery

Surgery

90 Days Pre- and 90 Days Post-Hospitalisation Diagnostic Services and Treatment

Useful Information

Note :

1. The premium rates provided above are indicative and for general information. They are non-guaranteed.

2. The above are subject to other terms and conditions as may be specified by Overseas Assurance Corporation Ltd.

3. Other plans are available. For any enquiries or quotation, please contact Overseas Assurance Corporation Ltd.

Circulars to Employers on Foreign Worker Medical Insurance

Circular to Employers (Foreign Worker) (79 Kb)
Circular to Employers (Foreign Domestic Worker) (78 Kb)
Frequently Asked Questions (FAQs)

Rationale for Foreign Workers Medical Insurance

Details of Medical Insurance Requirement

Employers with Existing Medical Insurance

Submission of Medical Insurance Details