Frequently Asked Questions

Foreign Workers' Medical Insurance

General

  • Q:Why do I need to purchase medical insurance for my foreign workers?

    A:

    Since 1 Jan 2008, subsidies on hospital bills for foreigners have been removed. With this revision, Ministry of Manpower (MOM) mandates for all employers to purchase and maintain minimum medical insurance of $5,000 for their foreign workers during their stay in Singapore. This minimum medical insurance coverage is further increased to $15,000 from 1 Jan 2010.

  • Q:How does Income’s Foreign Workers Medical Insurance help me to meet with MOM mandatory requirement?

    A:

    Income’s Foreign Workers Medical Insurance is an affordable medical insurance plan designed to help you meet with MOM’s mandatory requirement. It provides $15,000 hospitalisation* coverage for your foreign employees (Work Permits and S-Pass holders).

    We have also included an additional plan that provides $30,000 hospitalisation* coverage if you are looking at a higher limit for your foreign employees (Work Permits and S-Pass holders).

    * 4-bedded ward in a restructured hospital

  • Q:How are the premiums charged if a foreign worker joins or leaves the employment of the company?

    A:

    You are not required to inform us of any addition or deletion of members during the policy year. Member(s) joining/leaving the policyholder during the period of insurance will be automatically covered/terminated. Premium adjustment will be done at the end of the policy period based on the formula as follows:

    Premium adjustment payable = 50% (Total premium at end of period of insurance - Total premium at start of period of insurance)

    Updated name listing or a copy of the CPF Foreign Worker Levy Statement is required to be submitted at each renewal. The list or statement will form the basis of the headcount adjustment.

  • Q:Do I need to update MOM on my medical insurance for my foreign workers?

    A:

    Yes, you will need to furnish the medical insurance details for your foreign workers (Work Permit and S Pass holders) via Work Permit Online (WPOL).

    You are required to furnish the following information.

    • Name of Insurer “INCOME”
    • Insurance Policy Number
    • Insurance Policy Commencement Date
    • Insurance Policy Expiry Date

    MOM allows the same policy number for registration of additional workers. If you encounter any error while registering online, please print a screenshot of the error message and fax it to MOM at 6532 0795.

    Upon renewing your WorkMedic Insurance, you are also required to do an online submission with the new policy number and period of insurance.

  • Q:Who can I contact for more information on the Foreign Workers Medical Insurance?

    A:

    For further clarification or enquiries on Foreign Worker Medical Insurance, you can email to groupbiz@income.com.sg. Alternatively, you can call our hotline at 6332 1133.

Product Coverage

  • Q:Can I increase the benefits for my foreign workers?

    A:

    As Foreign Workers Medical Insurance is a standard plan and benefits are fixed, you will not be able to customise the benefits.

  • Q:Can I backdate my WorkMedic Insurance commencement date?

    A:

    No, you will not be able to backdate your WorkMedic Insurance commencement date.

Application & Renewal

  • Q:How can I apply for Foreign Workers Medical Insurance?

    A:

    You can contact your insurance adviser before the effective date of cover and he/she will submit your request via our WorkMedic Online System on your behalf. With the online system, you will be assured of a faster processing time.

    Alternatively, you can fill in and sign the WorkMedic Application Form and provide a copy of the name listing or CPF Foreign Workers Levy Statement, and payment to effect the cover. Please mail these documents to:

    NTUC Income Insurance Co-operative Limited
    Employees Benefits, Group Business
    Income Centre
    75 Bras Basah Road
    Singapore 189557

  • Q:How do I renew my Foreign Workers Medical Insurance?

    A:

    You can contact your insurance adviser before the renewal date and he/she will submit your renewal request via our WorkMedic Online System on your behalf. With the online system, you will be assured of faster processing time.

    Alternatively, you can fill in and sign the WorkMedic Application Form and provide a copy of the name listing or CPF Foreign Workers Levy Statement, and payment to effect the cover. Please mail these documents to:

    NTUC Income Insurance Co-operative Limited
    Employees Benefits, Group Business
    Income Centre
    75 Bras Basah Road
    Singapore 189557

  • Q:Is policy renewal guaranteed?

    A:

    No, it is subject to yearly review.

  • Q:Are the premium rates, terms and conditions guaranteed?

    A:

    No, the premium rates, terms and conditions are not guaranteed. Income reserves the right to review and change the premium rates, term and conditions from time to time if there is a substantial change in the risks or at each renewal.