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Announcement
Income Insurance’s WorkMedic meets the mandatory requirement set out by Ministry of Manpower (MOM) for medical insurance requirements for migrant workers. Under Income Insurance’s enhanced WorkMedic Insurance, employers are required to purchase and maintain medical insurance for their foreign worker employees with at least $60,000 coverage per year. Income Insurance will pay up to a total amount of $15,000 of the total claims admissible under the policy per year and if the total claim admissible per year exceeded $15,000 it will be payable subject to 25% co-insurance.
WorkMedic provides coverage for the following features that comply with MOM’s requirement for the enhanced medical insurance on new policies and renewal policies commencement date on or after 1 March 2025.
| Description | Yes / No |
| Annual claim limit of at least $60,000, inclusive of a first-dollar cover of $15,000. | Yes |
| For portion of bill above $15,000, the employer must co-pay up to 25% (to the hospital). | Yes |
| Exclusions are in line with MOM’s list of allowable exclusions. | Yes |
| Age-differentiated premiums are in 2 age bands: (1) aged 50 and below and (2) aged above 50. | Yes |
| We will reimburse our portion of the hospital bill to hospitals directly upon admissibility of the medical claim. | Yes |
Protect your foreign worker employees with WorkMedic Insurance.
Your foreign worker employees’ dedication, hard work and commitment play a pivotal role in achieving business milestones. Take care of their well-being and ensure they are protected against unexpected workplace accidents.
Here’s how WorkMedic protects your employees.
Receive up to $60,000[1] per year limit for each insured employee for hospitalisation and surgical bills and pre-and post-hospitalisation expenses[2].
Receive $3,000 in the event of your employee's death.
Receive up to $2,000 for repatriation of your employee’s mortal remains to the capital city of his or her home country.
Receive $10,000 if employee's accidental death is not due to work-related causes.
Covers rehabilitation treatment received in a Community Hospital.
Receive up to $200 for outpatient dental treatment[3] as the result of an accident.
Pick the plan that meets your needs.
Plan 1
- Inpatient and outpatient benefit as charged.
- Up to $60,000 annual limit subject to 25% co-insurance for admissible claim that have exceeded $15,000 per year.
- No waiting period for pre-existing conditions (any injury or illness, including pandemic diseases).
Plan 2
- Inpatient and outpatient benefit as charged.
- Up to $60,000 annual limit with no co-insurance on the admissible claim that have exceeded $15,000 per year.
- 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 2 plans.
How much you need to pay.
| Annual premium rates[4] after 1 March 2025 | ||
|---|---|---|
| Group size | Annual premium rate[4] per insured member for age 50 years old and below (inclusive of 9% GST) | |
| Plan 1 (with 25% co-insurance) | Plan 2 (without 25% co-insurance) | |
| 1 to 10 | $173.31 | $248.52 |
| 11 to 20 | $166.77 | $244.16 |
| 21 to 50 | $162.41 | $231.08 |
| 51 to 100 | $155.87 | $203.83 |
| Group size | Annual premium rate[4] per insured member for age 51 to 69 years old (inclusive of 9% GST) | |
| Plan 1 (with 25% co-insurance) | Plan 2 (without 25% co-insurance) | |
| 1 to 10 | $173.31 | $248.52 |
| 11 to 20 | $166.77 | $244.16 |
| 21 to 50 | $162.41 | $231.08 |
| 51 to 100 | $155.87 | $203.83 |
Policy administration
a) For group size of 10 employees and below, the policy will be issued on named basis. Please provide name listing for policy issuance.
b) For group size above 10 employees, policy will be issued on headcount basis. Updated name listing or a copy of the MOM Foreign Worker Levy Statement is required to be submitted.
Policy toolkit.
Who this is for.
The employee covered must be age 69 years old and below (age last birthday) and is a 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. This plan excludes other work pass such as Employment Pass holder, holder of Letter of Consent, Foreign Domestic Pass, etc.
Your queries answered.
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.
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.
You are encouraged to upload the name-listing to avoid delay in claim processing. Please ensure you declare the correct headcount number as of the policy commencement or renewal date to ensure the premium is charged correctly, otherwise we reserve the right to decline the claim.
No, you will not be able to backdate your WorkMedic Insurance commencement date.
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
There are certain conditions which no benefits will be payable. These are stated in the exclusions in the policy contract and for full list of exclusions, please refer to the policy contract. The following are list of some policy exclusions.
• All health screening related examinations including multiphasic health screening, laboratory tests and X-rays, screening mammograms, any type of scans; services (irrespective of whether there is hospital confinement) for the primary purpose of diagnosis, medical check-up, genetic screening; pap smear; cytology test; any treatment of a preventive nature including but not limited to immunization/vaccinations
• Repeat treatment after the first treatment from the hospital for each of the following categories will not be covered.
(1) treatment of illness or injuries arising from drug addiction (except that of illicit drugs) or alcoholism.
(2) treatment of illness or injuries arising from participation in civil commotion, riot or strike.
(3) treatment for mental illness and injuries arising from self – inflicted injuries and attempted suicide.
(4) treatment of venereal disease, sexually transmitted disease.
• Treatment for illness or injuries as a result of a criminal act of the insured member.
• Treatment of conditions or injuries arising from any malicious, wilful, illegal acts by employer or employer’s family members
• Pregnancy or complication arising from pregnancy; childbirth, conditions and its complication arising during or after childbirth; prenatal or postnatal care, post-delivery confinement; abortion or termination of pregnancy or any form of related stay in hospital or treatment
No, it is subject to yearly review.
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.
The direct billing arrangement to hospital is only available for policies with commencement date from 1st March 2025 onwards.
You may submit a LOG request via our portal groupcare-admin.mhcasia.net at least 10 working days before the insured member’s planned hospital admission.
We do not issue LOG for ‘emergency admission’ to the hospital.
All LOG request is strictly submitted via the portal.
Yes, we can pay the hospitalisation bill directly to the hospital up to the eligible claim payable amount. Please notify us within 30 days from the discharge date, otherwise, we reserve the right to decline the request.
Please send the request to [email protected] or indicate your request in the ‘Remarks’ field when you submit the claim via the portal.
Please note that all claims must be notify and submitted within 30 days from the invoice date. Claims received after the notification period will not be accepted.
Claims can be submitted through our portal groupcare-admin.mhcasia.net
All medical claims are strictly submitted via portal.
For death benefit claim, please visit our website Group Insurance Claims (General) |Income Insurance for the claim form and information on the required supporting documents.
Please submit the completed claim form and supporting documents via email to [email protected]. Please note that notice must be given within 3 months from the death of the insured member.
You can email to us at [email protected] for claim status and enquiries relating to death benefit claim
Understand the details
[1] Subject to 25% co-insurance payable by employer if the total claim admissible under the policy have exceeded $15,000 per year.
[2] We pay expenses for pre-hospitalisation specialist consultation (including medication) and pre-hospitalisation diagnostic X-ray and laboratory fees recommended by a registered medical practitioner that are incurred within 90 days prior to admission or surgical treatment. We also pay expenses for post-hospitalisation treatment that are incurred within 90 days of discharge from the hospital.
[3] The dental treatment must be sought within 24 hours following the accident.
[4] Premium rates are correct as at 16 January 2025. Premium rates are not guaranteed. Income Insurance 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.
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.
This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions 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 advisor. 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 Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Protected by copyright and owned by Income Insurance Limited.
Information is correct as at 28 January 2026
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