From 1 July 2023, Employers are required by the Ministry of Manpower to purchase a higher medical insurance coverage of minimum $60,000 per year for each foreign worker, with Co-Payment element for amounts above the first dollar coverage of $15,000 for each Work Permit or S-Pass holder.

Raffles Health Insurance Foreign Workers Medical Insurance (FWMI) Enhanced offers coverage for your foreign employees against Hospitalization, surgery cost and other related expenses.

Key Benefits

Flexible Plan Types

Choice of 3 plans with annual limits up to $200,000, with first dollar coverage up to $30,000 per disability

Optional Riders

Choice to include riders to waive the 25% co-payment, or add-on Personal Accident (due to non-work related) and Repatriation of Mortal Remains benefits

No Exclusion for Pre-Existing Conditions

No waiting period. Pre-existing conditions are covered from inception

Easy to Start

You can start cover from just 1 foreign worker and no restriction on minimum premium

Contact Us

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Health insurance can be complex. Let us simplify it for you!​

Disclaimer And
Disclosure Statement


This is only the product information provided by Raffles Health Insurance Pte Ltd. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance future healthcare needs. This brochure is not a contract of insurance. The standard terms and conditions of this plan are provided in the relevant policy contract. Details are correct at the time of printing and may be subject to change in future.

Disclosure Statement

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).