Foreign worker medical insurance
Does foreign worker medical insurance cover pre-existing conditions?
Yes. Both insurers we price cover a worker's pre-existing conditions: Income with no waiting period, and QBE waives its 12-month waiting period. That matters because the cover is for every Work Permit and S Pass holder you employ, whatever their health when they start.
The figures
- Insurers compared: 2.
- Insurers whose plans include it: 2.
- Cheapest plan from an insurer that covers it, for 5 workers aged 50 or below: Income WorkMedic Plan 1, S$866.55 a year.
What each insurer says
| Insurer | Covered? | What its details say | A year |
|---|---|---|---|
| IncomeYesWorkMedic Plan 1, S$866.55Buy Now | Yes | Pre-existing conditions: No waiting period. | S$866.55 |
| QBEYesFWMI Platinum, 25% co-insurance, S$1,005.55 | Yes | Pre-existing conditions: 12-month waiting period waived. | S$1,005.55 |
All prices include 9% GST. A dash means no price on this page. Each insurer's policy wording is the final word on what is covered.
Neither Income nor QBE is one of our featured insurers for foreign worker medical insurance, so we rank neither: both insurers’ plans are shown, cheapest first.
You buy Income’s WorkMedic on Income’s own site with your company’s details and the workers’ names: Buy Now takes you there, and Income issues the policy. QBE takes an application form instead of an online purchase: Apply Now sends your details to us, and we get the form, help you fill it in and place the cover. Ask Shenton to arrange sends us the plan you picked and we arrange it for you.
See every insurer's price for your own workers, or ask us to arrange the cover.
Compare foreign worker medical insuranceQuestions people ask
Does foreign worker medical insurance cover pre-existing conditions?
Yes. Both insurers we price cover a worker's pre-existing conditions: Income with no waiting period, and QBE waives its 12-month waiting period. That matters because the cover is for every Work Permit and S Pass holder you employ, whatever their health when they start.
Where do these answers come from?
From what we hold of each insurer's plans: the benefits in our rate tables and the insurers' own brochures and application forms, for 2 insurers. Where an insurer's details do not say, we say so. The policy wording is the final word on what is covered.
Which plan is cheapest?
For 5 workers aged 50 or below, Income WorkMedic Plan 1 is the cheapest plan from an insurer that covers it, at S$866.55 a year today, GST included.