What is Foreign Worker Medical Insurance (FWMI)? A Guide for Employers in Singapore

If you’re hiring foreign employees on a Work Permit or S Pass in Singapore, Foreign Worker Medical Insurance (FWMI) is a mandatory requirement set by the Ministry of Manpower (MOM). It helps employers manage healthcare costs and ensures foreign workers receive essential medical care during their stay.

In this post, we break down what FWMI is, who needs it, and how it benefits both employers and workers.

What is Foreign Worker Medical Insurance?

Foreign Worker Medical Insurance (FWMI) is a basic health insurance plan that employers must purchase for each Work Permit or S Pass holder under their employment. It covers inpatient care and day surgery in Singapore.

Key Requirements from MOM

As of 1 July 2023, the MOM requires employers to provide:

• Minimum coverage of $60,000 per year for each worker

• Coverage for inpatient care and day surgery, including hospital bills from work and non-work-related illnesses or injuries

• Insurance policies must be purchased from insurers listed under MOM’s approved providers

• Employers are not allowed to pass on the cost of the insurance to their workers

Why FWMI is Important

1. Legal Compliance

FWMI is mandatory for all employers hiring Work Permit or S Pass holders. Failing to comply can result in penalties or revocation of work passes.

2. Cost Management

Unexpected medical bills can be a financial strain. FWMI helps employers manage these costs without disrupting business cash flow.

3. Worker Well-Being

A healthy and protected workforce leads to higher productivity and morale. It also reflects well on the company’s reputation and commitment to worker welfare.

Additional Coverage Options

While FWMI provides basic protection, employers may choose to add coverage for:

• Outpatient treatment

• Personal accident insurance

• Enhanced hospitalization benefits

Upgrading coverage is optional but can offer greater security for both employer and employee.

How We Can Help

If you're unsure about FWMI compliance or need help sourcing the right insurance plan, our team can assist with:

• Understanding MOM regulations

• Choosing a suitable insurance provider

• Integrating FWMI into your HR and payroll processes

As a trusted HR and corporate services provider in Singapore, we ensure your business meets statutory requirements while supporting your workforce.

Need help managing FWMI or other employment compliance matters? Contact us today for a quick consultation.