Foreign worker medical insurance explained
How much is foreign worker medical insurance in Singapore?
What foreign worker medical insurance costs today for 7 headcounts of Work Permit and S Pass holders, in total and per worker, from Income's and QBE's published rates.
By number of workers
| Workers | A year | Per worker | Cheapest |
|---|---|---|---|
| 1 worker | S$173.31 | S$173.31 | Income WorkMedic Plan 1 |
| 3 workers | S$519.93 | S$173.31 | Income WorkMedic Plan 1 |
| 5 workers | S$866.55 | S$173.31 | Income WorkMedic Plan 1 |
| 10 workers | S$1,733.10 | S$173.31 | Income WorkMedic Plan 1 |
| 20 workers | S$3,335.40 | S$166.77 | Income WorkMedic Plan 1 |
| 50 workers | S$8,120.50 | S$162.41 | Income WorkMedic Plan 1 |
| 100 workers | S$15,587.00 | S$155.87 | Income WorkMedic Plan 1 |
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. Every headcount · Price your own workers.
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. Every headcount is in a CSV file, updated daily.
Questions people ask
How much is foreign worker medical insurance?
On today's published rates, the lowest price runs from S$173.31 a year for 1 worker to S$15,587.00 for 100 workers, GST included.
How much is it per worker?
From S$155.87 to S$173.31 a worker a year at the lowest price. 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.
What changes the price?
The number of workers, their ages at QBE (51 and over cost more), and the plan: a plan where you pay a 25% share of large claims costs less, and a higher limit costs more.
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.