Frequently Asked Questions
Q:Who is eligible for WorkMedic?A:
Only foreign employee holding a valid work pass in-principle approvals (IPA for Work Permit or S Pass holder), Work Permit and S Pass issued by the Ministry of Manpower are eligible for cover. This plan excludes other work pass such as Employment Pass holder, holder of Letter of Consent, Foreign Domestic Pass, etc.
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 WorkMedic Insurance help me to meet with MOM mandatory requirement?A:
Income’s WorkMedic 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:
For policy administered on named basis, please provide the particulars of the Member(s) joining/leaving the policyholder during the period of insurance persons to be insured and particulars of persons who ceased to be insured under your policy from the date they are eligible or ceased to be insured.
For policy administered on headcount basis, 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)
If there is a refund of premium to the policyholder, refund amount shall not exceed 25% of the total premium of the policy.
Updated name listing or a copy of the CPF Foreign Worker Levy Statement is required to be submitted at each renewal to avoid dispute in claims assessment. 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 WorkMedic Insurance?
Q:Can I increase the benefits for my foreign workers?A:
As WorkMedic 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.
Q:When must I purchase the COVID-19 cover for my employee(s)?A:
The COVID-19 cover for the employee(s) must be purchased before the employee(s) arrives in Singapore.
Q:Which WorkMedic plan type has the COVID-19 cover extension?A:
The COVID-19 cover is automatically extended under WorkMedic Plan 1 or 2.
Q:What is the coverage and benefits limit for the COVID-19 cover?A:
The COVID-19 cover pays for medical expenses incurred when an employee is hospitalised as a direct result of and solely due to COVID-19, subject to:
• the employee(s) must be diagnosed with COVID-19 within 14 days upon arrival in Singapore; and
• the employee(s) stays in a restructured hospital or community hospital to seek medically necessary treatment for COVID-19; and
• the medical expenses incurred for the stay in the restructured hospital or community hospital is payable up to S$15,000.
Q:How long is the coverage for the COVID-19 cover?A:
The COVID-19 benefit covers employee(s) up to maximum 14 days upon arrival in Singapore.
The cover for COVID-19 benefit shall cease automatically if the employee(s) is/are not diagnosed with COVID-19 within 14 days after the date of the employee’s arrival in Singapore.
Q:Does the COVID-19 benefit covers private hospitals in Singapore?A:
The COVID-19 benefit does not cover private hospitals in Singapore.
Q:Does the COVID-19 benefit covers the mandatory swab test for COVID-19?A:
No, the COVID-19 benefit does not cover the mandatory swab test for COVID-19.
Q:Is there a waiting period for the COVID-19 cover?A:
No, there is no waiting period for the COVID-19 cover.
Q:Does the COVID-19 benefit covers any outpatient treatment for COVID-19?A:
No, the COVID-19 benefit only covers Inpatient treatment for COVID-19 in a restructured hospital or community hospital.
Q:What are the documents to be submitted upon claim?A:
Please submit the following documents:
• Original final hospital/medical bills and receipts
• Hospital discharge summary
• Medical reports, if any
• Copy of reimbursement letter/discharge voucher from previous reimbursement, if any
• Copy of employee's Work-permit or S pass or in-principal approval (IPA) document
Application & Renewal
Q:How can I apply for WorkMedic Insurance?
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.