WorkMedic

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

You can contact your insurance advisor before the effective date of cover and he/she will submit your request online on your behalf. With the online system, you will be assured of a faster processing time.

Alternatively, you may purchase online and make payment to effect the cover.

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 1^st March 2025 onwards.

You may submit a LOG request via our portal https://admin.mhcasia.net/login 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 incomeWM@mhcasiagroup.com or indicate your request in the ‘Remarks’ field when you submit the claim via the portal.

Please note that all claims must be made within 60 days from the date of the medical invoice. Claims received after the notification period will not be accepted.

Claims can be submitted through our portal https://admin.mhcasia.net/login

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 groupclaim@income.com.sg. Please note that notice must be given within 3 months from the death of the insured member.

You can email to us at groupclaim@income.com.sg for claim status and enquiries relating to death benefit claim