Employee MediCare
Foreign worker medical insurance that covers hospitalisation, surgical and other covered related expenses incurred by your foreign workers (S-Pass holders and Work Permit holders).
Features & benefits
Hospitalisation and Surgical Expenses
Up to $100,000 for your worker's hospitalisation and surgical expenses including 90 days pre and post hospitalisation.
Emergency Outpatient Dental Treatment
Up to $300 for accidental injuries or damage to the natural teeth
Repatriation Expenses
Up to $2,000 to send your worker back to home country due to permanent disablement or mortal remains
Personal Accident
Lump sum payout up to $10,000 for accidental death or permanent disablement
Select plans to compare
| Benefits | |||
|---|---|---|---|
| Classic Plus Plan | Classic Plan | Basic Plan | |
Section 1: Medical ExpensesOverall Maximum Annual Limit | $100,000 | $60,000 | $60,000 |
| 1.1 Room & Board | B1 ward (Govt/Restructured Hospital) | B1 ward (Govt/Restructured Hospital) | B2 ward (Govt/Restructured Hospital) |
| 1.2 Hospital and Related Services | As charged | As charged | As charged |
| 1.3 Pre-Hospital Specialist & Diagnostic Services (within 90 days prior to admission) | |||
| 1.4 Post-Hospital Follow up Treatment (up to 90 days from date of discharge) | |||
| 1.5 Outpatient Emergency Dental Cover following an Accident | $300 | $300 | $150 |
| Co-insurance Section 1: Item 1.1 to 1.4 (For eligible claim above $15,000 per year) | 25%/ 0% | 25%/ 0% | 25%/ 0% |
Section 2: Repatriation Expenses | $2,000 | $2,000 | Nil |
Section 3: Special Grant | $2,000 | $2,000 | $1,000 |
Section 4: Personal AccidentA. Death or | $10,000 | $10,000 | $5,000 |
| Pro-ration Factor (Admitted into a higher ward or hospital) | Payable by MSIG | ||
|---|---|---|---|
| Private Hospital | 50% | ||
| Upgrade to higher wards in Government/ Restructured Hospital | 75% | ||
Employee MediCare provides coverage for the following features that comply with the Ministry of Manpower’s (MOM) enhanced Medical Insurance requirements.
✓ Annual claim limit of at least $60,000, inclusive of a first-dollar cover of $15,000
✓ For portion of the bill above $15,000 the employer must co-pay up to 25% (to the hospital)
✓ Exclusions are in line with MOM’s list of allowable exclusions
✓ Age-differentiated premiums are in 2 age bands: (1) ≤50 years old and (2) >50 years old
✓ MSIG will reimburse our portion of the hospital bill to hospitals directly upon admissibility of the medical claim
Please visit MOM's website here for more information on the MI enhancements.
| No. | Questions & Answers | |
|---|---|---|
| 1 | Who are eligible for Employee MediCare? Foreign workers holding S-Pass and Work Permit that are aged between 18 years old up to 64 years old. This plan excludes other pass holders and migrant domestic workers. | |
| 2 | What is the maximum age of cover? The cover of the worker will end under any of the following circumstances, whichever first occurs: (a) when the worker ceases to be eligible, or | |
| 3 | How does the 25% co-insurance work? We will cover the first $15,000 of the eligible hospital bill. For eligible claim amounts above $15,000, the employer will bear 25% co-insurance, while we will pay the remaining 75%. The maximum amount payable is subject to the sum insured stated in the policy schedule. For clarity, the first $15,000 limit applies on a per policy year basis. | |
| 4 | Can I enhance the coverage beyond the mandatory requirements? Waiver of co-insurance is available. Please refer to the premium tables for further details. | |
| 5 | Are pre-existing conditions covered? Pre-existing conditions are covered after the worker’s first 12 months of employment with the same employer. However, this does not include birth defects, congenital abnormalities, hereditary conditions and other standardisation of allowable clauses as per MOM. | |
| 6 | Is COVID-19 covered under the policy? Yes, eligible claims due to COVID-19 are covered. | |
| 7 | Are the premium rates and renewal guaranteed? Renewal is not guaranteed and premium rates may change upon renewal. | |
| 8 | Is there Letter of Guarantee (LOG) if my worker is admitted to a hospital? We do not provide a Letter of Guarantee (LOG). Please submit the completed claim form, hospitalisation bills, and required documents for our assessment. Eligible claims will be paid directly to the hospital, and you will be informed of the details once the payment is made. | |
| 9 | How do I submit a claim? You may submit the claim via this link | |
| 10 | What are the supporting documents to be submitted upon claim?
We will contact you for any additional documents that may be required. | |
| 11 | What is the claim notification period? Please notify us within 30 days from the date of claim. | |
| 12 | Where can I submit claim follow up documents? Please email the follow up bills with your claim number and policy number to [email protected] | |
This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd.
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 MSIG or visit GIA / LIA or SDIC.
