Are you an overseas worker seeking employment in Singapore? If yes, it is critical to note that you must be privy to the Foreign Worker Medical Insurance (FWMI). It’s a mandatory insurance policy that covers foreign workers in Singapore for medical expenses related to their employment. Here’s what you need to know about FWMI.


What Is FWMI?


FWMI is a medical insurance policy that provides coverage to foreign workers in Singapore for medical expenses related to their employment. This policy is obligatory, ensuring the protection of foreign workers and their employers in the event of work-related injuries or illnesses.


Who Is Covered by FWMI?


All foreign workers who possess a valid Work Permit or S Pass must be covered by FWMI. Your employer is required to purchase the policy on your behalf and ensure that you have adequate coverage throughout your tenure.


What Does FWMI Cover?


FWMI covers medical expenses related to your employment, including inpatient and outpatient treatment, hospitalization, surgery, medication, and more. The policy also covers work-related injuries and illnesses, as well as pregnancy and childbirth for female foreign workers.


How Much Coverage Do I Need?


FWMI has a minimum coverage requirement of $15,000 per year for inpatient treatment and $1,500 per year for outpatient treatment. However, your employer may opt to purchase a policy with higher coverage limits.


How Do I Obtain FWMI Coverage?


Your employer is responsible for obtaining FWMI coverage on your behalf. They can procure the policy from any insurer approved by the Ministry of Manpower (MOM). The insurer will furnish an insurance certificate that you can use to seek medical treatment.


What Happens If I Need to Make a Claim?


In the event that you need to make a claim under your FWMI policy, you must immediately inform your employer. They will assist you in filing the claim and submitting the necessary documents to the insurer. If the claim is approved, the insurer will reimburse you for the covered medical expenses.


What Are My Responsibilities as a Foreign Worker?


As a foreign worker in Singapore, it’s incumbent upon you to apprise your employer of any changes to your personal or medical information. Moreover, you should notify them of any work-related injuries or illnesses as soon as possible.


These are the key facts to consider when workign as a foreigner in Singapore. Hope they helped.