Overview
Starting from 1 July 2025, employers will be required to provide medical insurance for their foreign workers, which must include enhanced features such as an annual coverage limit of at least S$60,000, co-insurance for amounts exceeding the first S$15,000 of coverage, standardised exclusion clauses, age-differentiated premium rates in two age bands, and direct reimbursement to hospitals upon admissibility of a medical claim.
Comprehensive Benefits of RHI FWMI Enhanced II Plan:
- As charged up to S$100,000 per policy year for eligible hospitalisation expenses
- Up to S$300 for emergency outpatient dental treatment and up to S$500 for emergency outpatient treatment
- Up to S$10,000 for personal accident
- S$5,000 in the event of death
Key Benefits
Assurance
Compliant with Ministry of Manpower’s (MOM) Enhanced Medical Insurance Requirements.
Flexibility
Flexibility to choose from 2 plans with annual limits of up to S$100,000, co-insurance of 25% applicable for claims in excess of S$15,000 per policy year.
Optional Riders
Choice of including rider to waive 25% co-insurance.
No Exclusion for Pre-Existing Conditions
No waiting period.
Pre-existing conditions are covered from inception.
Easy to Start
Coverage can start from just 1 foreign worker. Eligibility applies to employees aged 16 to 70 (age next birthday), with coverage renewable up to age 75.
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Disclaimer And
Disclosure Statement
Disclaimer
This information is provided by Raffles Health Insurance Pte Ltd solely for product reference. 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).