Foreign Worker Medical Insurance
Mandatory Medical Coverage for S Pass & Work Permit Holders
Ensure every foreign worker has required medical insurance – protecting both your employees and your business.
MOM Licence No. 25C2924 • UEN 202519496K • Agent Reg No. R24124235
S Pass & Work Permit Holders
Ensure every foreign worker has required medical insurance – protecting both your employees and your business.
MOM Licence No. 25C2924 • UEN 202519496K • Agent Reg No. R24124235
Why Foreign Worker Medical Insurance is Mandatory
Foreign Worker Medical Insurance is Mandatory
Beyond injury coverage, Singapore employers are required to provide medical insurance for all foreign workers on S Passes and Work Permits. Unlike local employees who have MediShield Life (a basic health insurance funded by CPF contributions), foreign workers on S Passes or Work Permits are not covered by national health insurance.
Who Needs Coverage
All foreign workers on S Passes or Work Permits – essentially any mid or lower-tier foreign employee who isn’t covered by national schemes.
What's Covered
Typically covers hospitalization, surgeries, and certain outpatient treatments. Ensures if your worker is hospitalized (e.g., dengue, appendicitis), you’re not personally bearing costly medical bills.
Mandatory Requirement: The Ministry of Manpower requires employers to purchase medical insurance for all S Pass and Work Permit holders for the entire duration of their employment – currently at least S$15,000 to S$60,000 per year for inpatient care.
How ASK Connections Assists You
We provide a start-to-finish solution for foreign worker medical insurance, removing the burden and managing the entire process smoothly on your behalf.
Selecting the Right Plan
We partner with various insurance providers and are familiar with popular medical insurance plans for foreign employees. Based on your industry and workforce size, we’ll recommend a plan that balances good coverage with cost-effectiveness and meets MOM-compliance standards.
Enrollment and Documentation
Once you’re happy with a plan, we handle enrolling each foreign worker. This includes filling out enrollment forms with worker details (name, FIN number), coordinating medical check results if required, and ensuring coverage starts from the worker’s start date. We provide policy documents and update MOM’s systems as needed.
Policy Management
We maintain a record of which employee is covered under which policy and until when. If a worker leaves, we assist in terminating or adjusting the policy (some insurers offer pro-rated refunds). If you hire new staff, we quickly get them insured from day one. We act as the administrator for your foreign worker medical insurance program.
Renewals and Updates
Most policies are one-year contracts. We track renewal dates and remind you well in advance. At renewal, we review if the plan still suits your needs or if improvements are needed (e.g., MOM raising minimum coverage). We handle the renewal process so there’s no gap in coverage.
Claims Support
Should one of your foreign employees need to use the insurance (hospital admission, surgery), we offer support in understanding the claims procedure. We guide you or the employee on how to file a claim, what documents are needed, and what to expect. We act as your advocate if there are any issues.
How You Benefit
by Partnering with ASK
by Partnering with ASK
Total Compliance
Every required employee is insured at all times – no risk of accidentally breaking the law.
Financial Predictability
Known insurance premium rather than uncertainty of huge hospital bills.
Employee Morale
Employees who know their medical needs are covered feel more secure and valued.
Time Savings
No more calling insurers, deciphering policies, or managing spreadsheets. We streamline it all.
Seamless Policy Management:
- Add/Remove Workers: Easily adjust coverage when employees join or leave
- Pro-rated Adjustments: Some insurers offer refunds for early departures
- Continuous Tracking: We maintain records and ensure no coverage gaps
- One Call Solution: Add or remove coverage with just one call to us
Frequently Asked Questions
About Foreign Worker Medical Insurance
Questions
About Foreign Worker Medical Insurance
Is Foreign Worker Medical Insurance compulsory?
Yes. All S Pass and Work Permit holders must have medical insurance for the entire duration of their employment. Employers are required by MOM to purchase this insurance before the pass is issued.
What coverage amount is required?
Currently at least S$15,000 to S$60,000 per year for inpatient care, depending on regulations (requirements have been updated over time). We ensure you meet the latest MOM standards.
What does the insurance typically cover?
Hospitalization, surgeries, and certain outpatient treatments. Coverage varies by plan – we help select one that balances good coverage with cost-effectiveness.
What happens if a worker doesn't have medical insurance?
Without insurance, you (the employer) would personally bear all medical bills if the worker is hospitalized. It also violates MOM requirements, risking pass approval issues and penalties.
Do you help when workers leave or new ones join?
Yes. We assist in terminating or adjusting policies when workers leave (some insurers offer pro-rated refunds) and quickly get new staff insured from day one.
Do you manage renewals?
Yes. Most policies are one-year contracts. We track renewal dates, remind you in advance, and handle the renewal process to ensure no gaps in coverage
Need Foreign Worker Medical Insurance support?
Just ASK!
Let’s discuss your requirements today.