Foreign Workers Medical Insurance

PRODUCT SUMMARY

This is a tailored affordable, low cost Hospitalisation and Surgical bill protection plan for Work Permit and S-Pass holders.:

Coverage of $15,000 per disability, with premium at less than $0.33 per day.

SPECIAL FEATURES

SCHEDULE OF BENEFITS PLAN
  1. Hospital Room & Board (max 60 days)
  2. Intensive Care Unit Room & Board (max 10 days)
  3. Hospital Miscellaneous Services
  4. Surgery
  5. Specialist Consultation, Examination and Laboratory Test (Pre hospitalization Charges) maximum 90 days prior to admission
  6. Post Hospitalization Treatment maximum 90 days after discharge from hospital
 6-bedded²

As Charged²

As Charged

As Charged

As Charged


As Charged
Special Grant/Death Benefit
Death of the Insured Worker due to : (a) an injury or (b) a sickness during or after treatment for such sickness at a Hospital or in a Day Surgery Ward 		S$3,000
Annual Premium (per person)

  1. From 1 to 5 workers
  2. From 6 to 20 workers
  3. From 21 to 50 workers
  4. More than 50 workers

S$120

S$110

S$98

Refer to office
Optional Cover

  1. Outpatient Cancer Treatment & Outpatient Kidney Dialysis (per year) at an additional premium of S$25 per worker per year
  2. Death and Permanent Disablement (as a result of accident only) at an additional premium of S$20 per worker per year

S$5,000



S$5,000

Note:

  1. The above insurance provides protection for foreign workers (excluding foreign domestic maids) for medical cost for hospitalization, surgery and other related expenses as a result of non-work related sickness or accident within Singapore during policy year;
  2. Inclusive of Hospital Room & Board (Government and/or Government Restructured Hospital), Intensive Care Unit Room and Board.
  3. Premium quoted is exclusive of prevailing GST.
  4. No Co-Insurance Deductible to apply.

IMPORTANT FEATURES OF OUR PRODUCT

S/N ITEMS/FEATURES POINTS TO NOTE
1 Age Entry/Eligibility 18 years old to maximum 65 years old
2 Waiting Period for new workers First 30 days of arrival in Singapore coverage is for hospitalization due to non work related accident injury(ies) only
3 Cover for Pre-Existing Conditions Yes, subject to 30 days waiting period for new workers. If the insured person has been continuously insured with the previous insurer the waiting period will not apply
4 Is this a 24-Hours coverage policy ? Yes, for non-work related sickness and injury(ies) only
5 Can this policy be extended to cover outside of Singapore ? Coverage within Singapore only
6 Is this Policy renewable ? Yes, this Policy is renewable on each Policy Renewal Date and is subject to the Underwriting of TMiS
7 Is Terrorism covered under this Policy ? No
8 Is this Policy administered on a named basis ? Yes subject to quarterly declaration and adjustment of premium
9 Is a Group Fact Finding Form (GFF) required ? Complete a proposal form
10 What are the documents we need to submit prior to coverage ? The following are to be submitted:
  1. Employers' address;
  2. Employers' CPF Nos;
  3. Listing of Workers, WP Nos, CPF Statement
  4. Period of Insurance;
  5. Proposal Form to be signed by the Employer

EXCLUSIONS

There are certain conditions/situations under which no benefits will be payable. These are stated as exclusions in the policy. The following are some of the major exclusions. You are advised to refer to our policy for the full list of exclusions.

MAJOR EXCLUSIONS

  • Congenital abnormalities or defects
  • This insurance does not cover any hospitalization or surgical charges incurred directly or indirectly for the treatment of congenital abnormalities or physical defects that have been in existence in the insured since birth
  • Treatment for obesity, weight reduction, weight improvement, refractive errors of the eyes, correction of vision, cosmetic or plastic surgery including provision of implants, medical appliances, spectacles, lenses, hearing aids, wheel chairs and prostheses
  • Sexually transmitted diseases (STD) or communicable diseases requiring isolation or quarantine by Law
  • Treatment arising from pregnancy which shall include childbirth, miscarriage (except as a result of an accident)
  • War and Terrorism

Forms

To download a copy of application form, click here

To download a copy of add/delete employees form, click here

To download a copy of additional name list, click here

IMPORTANT

This brochure is for general information only and is not a contract of insurance. You should refer to the policy for the exact terms and conditions of this insurance.