Typical foreign worker medical insurance quotes in Singapore
Foreign worker medical insurance for 1 worker, aged 51 or over
What foreign worker medical insurance costs today for an employer with 1 foreign worker (Work Permit or S Pass holders), aged 51 or over. Each price is from the insurer's own published rates, a year, GST included.
In short
On 12 Nov 2026, foreign worker medical insurance for an employer with 1 foreign worker (Work Permit or S Pass holders), aged 51 or over costs from S$173.31 a year (GST included) at Income (WorkMedic Plan 1), S$173.31 a worker; 8 plans from 2 insurers are priced here, up to S$287.76 (QBE FWMI Jubilee).
- Cheapest: S$173.31 a year at Income (WorkMedic Plan 1), where you pay 25% of claims above the first S$15,000.
- Cheapest with no share of claims: S$248.52 at Income (WorkMedic Plan 2).
- The same headcount aged 50 or below costs from S$173.31.
Price your own workers on our foreign worker medical page: it asks how many you have and how many are aged 51 or over.
Insurer by insurer
| Insurer | A year | Value score | Medical cover per worker | Your share above S$15,000 | Per worker |
|---|---|---|---|---|---|
| IncomeWorkMedic Plan 1Buy Now | S$173.31 | 57 | S$60,000 a year | 25% | S$173.31 |
| QBEFWMI Platinum, 25% co-insurance | S$241.33 | 20 | S$45,000 a disability | 25% | S$201.11 aged 50 and below; S$241.33 aged 51 and over |
| QBEFWMI Diamond, 25% co-insurance | S$247.21 | 25 | S$60,000 a disability | 25% | S$206.01 aged 50 and below; S$247.21 aged 51 and over |
| IncomeWorkMedic Plan 2Buy Now | S$248.52 | 49 | S$60,000 a year | None | S$248.52 |
| QBEFWMI Jubilee, 25% co-insurance | S$258.98 | 31 | S$85,000 a disability | 25% | S$215.82 aged 50 and below; S$258.98 aged 51 and over |
| QBEFWMI Platinum | S$268.14 | 40 | S$60,000 a disability | None | S$223.45 aged 50 and below; S$268.14 aged 51 and over |
| QBEFWMI Diamond | S$274.68 | 44 | S$75,000 a disability | None | S$228.90 aged 50 and below; S$274.68 aged 51 and over |
| QBEFWMI Jubilee | S$287.76 | 50 | S$100,000 a disability | None | S$239.80 aged 50 and below; S$287.76 aged 51 and over |
How each price is worked out:
- Income WorkMedic Plan 1: 1 worker at S$173.31 each, Income’s 1 to 10 group rate (the same for workers aged 50 and below or 51 to 69).
- QBE FWMI Platinum, 25% co-insurance: 1 worker aged 51 and over at S$241.33 each, QBE’s 1 to 200 group rate with the 25% co-insurance option.
- QBE FWMI Diamond, 25% co-insurance: 1 worker aged 51 and over at S$247.21 each, QBE’s 1 to 200 group rate with the 25% co-insurance option.
- Income WorkMedic Plan 2: 1 worker at S$248.52 each, Income’s 1 to 10 group rate (the same for workers aged 50 and below or 51 to 69).
- QBE FWMI Jubilee, 25% co-insurance: 1 worker aged 51 and over at S$258.98 each, QBE’s 1 to 200 group rate with the 25% co-insurance option.
- QBE FWMI Platinum: 1 worker aged 51 and over at S$268.14 each, QBE’s 1 to 200 group rate.
- QBE FWMI Diamond: 1 worker aged 51 and over at S$274.68 each, QBE’s 1 to 200 group rate.
- QBE FWMI Jubilee: 1 worker aged 51 and over at S$287.76 each, QBE’s 1 to 200 group rate.
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. Work injury compensation and security bond cover for the same workers is usually cheaper when bought with the medical policy, so tell us about all three.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| A plan with no share of claimsYou pay nothing towards large claims (the cheapest such plan is Income WorkMedic Plan 2). | S$248.52 | +S$75.21 |
| 3 workersInstead of 1. Cheapest: Income. | S$519.93 | +S$346.62 |
Why it costs this
For an employer with 1 foreign worker (Work Permit or S Pass holders), aged 51 or over:
- Both insurers charge a rate per worker that falls as the group grows: Income in groups of 1 to 10, 11 to 20, 21 to 50 and 51 to 100 workers, QBE 1 to 200 and 201 to 500. So the price is the headcount times the rate for its group.
- QBE charges more for workers aged 51 and over: on its Platinum plan, S$268.14 a worker instead of S$223.45. Income charges both ages the same.
- A plan where you pay a 25% share of claims above the first S$15,000 costs less: Income's Plan 1 is S$173.31 a worker against S$248.52 for Plan 2, which has no share.
- QBE's dearer plans carry a higher limit per disability: Platinum S$60,000, Diamond S$75,000 and Jubilee S$100,000.
Price history
For an employer with 1 foreign worker (Work Permit or S Pass holders), aged 51 or over: Since 10 Nov 2026 the lowest price is unchanged, and Income has been cheapest throughout.
How these prices are worked out
Income’s prices are worked out from the WorkMedic rates on its own site, checked against its online funnel; QBE’s from the rate card in its June 2025 brochure. GST is included. Income charges workers aged 50 and below and aged 51 to 69 the same; QBE charges workers aged 51 and over more, by age at last birthday. QBE's optional outpatient benefit is not priced here. Shenton Brokers is an insurance broker in Singapore. This page's figures and every headcount are in CSV files, updated daily.
Every headcount · Compare foreign worker medical insurance for your own workers.
Questions people ask
How much is foreign worker medical insurance for 1 foreign worker aged 51 or over?
From S$173.31 a year at Income (WorkMedic Plan 1) on today's published rates, GST included: S$173.31 a worker.
What does the cheapest plan cover?
Income WorkMedic Plan 1: medical cover per worker S$60,000 a year; your share of claims above s$15,000 25%; pre-existing conditions covered, no waiting.
How much is a plan where I pay no share of claims?
The cheapest is Income WorkMedic Plan 2 at S$248.52 a year, S$75.21 more than the cheapest plan.
What does MOM require?
If you employ Work Permit or S Pass holders, you must buy medical insurance for each worker. It must cover inpatient care and day surgery of at least S$60,000 a year, with the co-payment set by the Ministry of Manpower for claims above S$15,000. The policy must last for the full term of the work permit.
Has the price changed?
Since 10 Nov 2026 the lowest price is unchanged, and Income has been cheapest throughout.
How do I buy it?
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.
Why might my own price be different?
The number of workers and their ages set the price on these pages. When you apply, the insurer asks for the workers’ details, and QBE’s form asks about claims in the last three years. Our foreign worker medical page prices your own headcount.