Foreign Workers' Medical Insurance

With effect from 1 January 2021, all Long Term Pass Holders returning to or entering Singapore are responsible for their inpatient medical bills, should they develop the onset of COVID-19 symptoms within 14 days of their arrival in or return to Singapore.

We have introduced a 14-day COVID-19 coveras a rider to our WorkMedic policy (Foreign Worker Medical Insurance). All existing or new policyholders are able to purchase this rider from 28 December 2020 for their insured employees who hold an in-principal approval (IPA), valid Work-permit or S pass issued by Ministry of Manpower (MOM).

Learn more about the coverage benefits at income.com.sg/workmedic-covid19

Here’s how Foreign Workers Medical Insurance protects your employees.

Receive up to $30,000 per disability for each insured person for hospitalisation and surgical bills and pre-and post-hospitalisation expenses[1].
Covers pandemic and epidemic diseases declared by WHO[2], including COVID-19, Influenza, Zika virus and more. No waiting period when you choose Plan 2 and above.
Receive $3,000 in the event of your employee's death, and $10,000 if employee's accidental death is not due to work-related causes.
Receive up to $200 for outpatient dental treatment[3] as the result of an accident.
Receive up to $2,000 for repatriation of your employee’s mortal remains to the capital city of his or her home country.
Get 24-hour worldwide coverage for your employees[4].

Who this is for.

The employee covered must be below 69 years old (age last birthday) and is a foreign employee holding a valid Work Permit and S Pass issued by the Ministry of Manpower.

Pick the plan that meets your needs.

Plan 1

Inpatient and outpatient benefit as charged.

Up to $15,000 limit per disability.

12 months waiting period.

Plan 2

Inpatient and outpatient benefit as charged.

Up to $15,000 limit per disability.

No waiting period for pre-existing conditions (any injury or illness, including pandemic diseases).

Plan 3

Inpatient and outpatient benefit as charged.

Up to $30,000 limit per disability.

No waiting period for pre-existing conditions (any injury or illness, including pandemic diseases).

Wondering which plan suits your company best? Click here to compare 3 plans.

How much you need to pay.

Group size	Annual premium rate[5] per insured member (inclusive of 7% GST)
Group size	Plan 1	Plan 2	Plan 3
1 to 5	$69.55	$74.90	$216.14
6 to 10	$69.55	$74.90	$126.26
11 to 20	$58.85	$64.20	$126.26
21 to 50	$58.85	$64.20	$96.30
51 to 100	$58.85	$64.20	$80.25

If you are looking to insure more than 100 employees, please get in touch with us for further details.

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Important notes

Footnotes

We pay expenses for pre-hospitalisation specialist consultation, pre-hospitalisation diagnostic X-ray and laboratory fees incurred within 90 days prior to admission or surgical treatment. We also pay expenses for post-hospitalisation treatment incurred within 90 days of discharge from the hospital.
The illness must be declared by the World Health Organisation (WHO) as a pandemic/epidemic disease. Coverage under this benefit will be up to the respective maximum benefit limit.
The dental treatment must be sought within 24 hours following the accident.
For hospitalisation outside Singapore due to an emergency, we pay up to 60% of the benefit limit.
Premium rates are not guaranteed. Income reserves the right to review and change the premium rates from time to time if there is a substantial change in the risks or at each renewal.

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This page is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 19 January 2021.