Foreign Worker Medical Insurance2019-05-05T22:35:00+08:00

Commercial Insurance

Foreign Worker Medical Insurance

Foreign Worker Medical Insurance (FWMI) is a mandatory requirement for employers of foreign workers who are Work Permit and S Pass holders.

Employers are required to purchase and maintain a minimum medical insurance coverage of $15,000 per year for each Work Permit and S-Pass holder for non-work related inpatient hospitalisation and day surgery.

This compulsory medical insurance requirement was introduced in tandem with the withdrawal of healthcare subsidies for foreigners in order to help employers manage the potentially high medical bills of their foreign workers. This requirement is for basic coverage, but employers are still responsible for any uninsured medical expenses of their foreign workers.

Under the Employment Of Foreign Manpower ACT, employers are responsible for the well-being of their foreign employees which includes providing adequate medical treatments and paying for their medical expenses. For this reason, employers are encouraged to buy higher coverage to protect from any excessive medical bills.

Claim Examples:


A foreign worker was taken to the A&E dept of Ng Teng Fong General hospital after experiencing sharp abdominal pain. An appendectomy was performed and the worker was discharged after 2 days. The hospitalisation bill together with the post hospitalisation specialist consultation bill was reimbursed to the employer. Total amount claimed was $4,882.  

Viral Heart Disease

A foreign employee suffered a viral infection of the heart and was in ICU for a prolong period before he passed away. The total hospital bill came up to about $100,000 and after claiming from the foreign worker medical insurance, the employer still had to pay the balance of $85,000, which they managed to negotiate with the hospital for an instalment plan. 

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Foreign Worker Medical Insurance