Foreign Workers Medical Insurance

Foreign Workers Medical Insurance

24-hour coverage against death and accidents for foreign workers.

What it covers

Inpatient and outpatient benefit

We pay up to $15,000 per disability limit, for each insured person, for hospitalisation and surgical bills and pre-and post-hospitalisation expenses[1].

We have also included an additional plan type that provides $30,000 hospitalisation[1] coverage if you are looking at a higher limit for your foreign employees (work permits and S-pass holders only).

Three plan types to choose from:

- Plan 1 - As Charged $15,000 per disability with 12 months waiting period

- Plan 2 - As Charged $15,000 per disability without 12 months waiting period

- Plan 3 - As Charged $30,000 per disability without 12 months waiting period


We pay $3,000 in the event of your employee’s death.

Accidental death benefit (not due to work related causes)
We pay $10,000 in the event of your employee's death that is not due to work related causes.
Outpatient accidental dental treatment
We pay up to $200 for dental treatment as a result of an accident.
Repatriation expenses of mortal remains
We pay up to $2,000 for repatriation of your employee's mortal remains to his or her home country.


Your employees are covered 24 hours worldwide whether they are in Singapore or outside Singapore[2].

You can get instant approval of your application with an easy online application process through your insurance adviser.

Before you apply

Your employees must be aged between 16 and 69 years old (age last birthday) and are foreign employees holding valid work permits and S passes.

Group size Annual premium rate[3] per insured member (inclusive of 7% GST)
With 12 months waiting period
($15,000 per disability)
Without 12 months waiting period ($15,000 per disbility) Without 12 months waiting period ($30,000 per disability)
1 to 5 $107.00 $117.70 $216.14
6 to 20 $80.25 $90.95 $126.26
21 to 40 $64.20 $74.90 $96.30
41 to 50 $62.06 $69.55 $88.81
51 to 100 $53.50 $64.20 $80.25

For group size above 100 employees, you may contact your insurance adviser, email, or call Income’s hotline at 6788 3113.

Important Notes


  1. 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.
  2. For hospitalisation outside Singapore, we pay 60% of the benefit limit.
  3. 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.



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 websites of the General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (


Information is correct as of 21 July 2017

Frequently asked questions

How to apply

For enquiries about Foreign Workers Medical Insurance, please call our hotline:
6332 1133

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