Foreign worker medical insurance explained
MOM medical insurance requirements for foreign workers
What the Ministry of Manpower requires of medical insurance for Work Permit and S Pass holders, as our foreign worker medical page explains it, and the medical limit and claims share on every plan we price.
What the law requires
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. MOM checks it when you apply and renew.
The plans we price
| Plan | Medical limit | Your share above S$15,000 | One worker |
|---|---|---|---|
| Income WorkMedic Plan 1 | S$60,000 a year | 25% | S$173.31 |
| QBE FWMI Platinum, 25% co-insurance | S$45,000 a disability | 25% | S$201.11 |
| QBE FWMI Diamond, 25% co-insurance | S$60,000 a disability | 25% | S$206.01 |
| QBE FWMI Jubilee, 25% co-insurance | S$85,000 a disability | 25% | S$215.82 |
| QBE FWMI Platinum | S$60,000 a disability | None | S$223.45 |
| QBE FWMI Diamond | S$75,000 a disability | None | S$228.90 |
| QBE FWMI Jubilee | S$100,000 a disability | None | S$239.80 |
| Income WorkMedic Plan 2 | S$60,000 a year | None | S$248.52 |
With QBE's co-insurance option, the limit shown is the brochure's lower co-insured limit.
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
Do I have to buy medical insurance for my foreign workers?
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.
When does MOM check it?
MOM checks it when you apply and renew.
What limit do the plans here give?
Income's WorkMedic plans cover S$60,000 a year. QBE's plans cover Jubilee S$100,000, Diamond S$75,000, Platinum S$60,000 a disability, or less with its co-insurance option.
Do I need other cover for the same workers?
Work injury compensation insurance is compulsory for all employees doing manual work, and for non-manual employees earning up to S$2,600 a month. 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.