Foreign Worker Medical Insurance (FWMI) is a mandatory insurance policy that employers in Singapore must purchase for their Work Permit holders.
It ensures that foreign workers receive proper medical care without facing financial burden, while also protecting employers from high healthcare costs.
FWMI is regulated by the Ministry of Manpower (MOM).
📋 Why is FWMI Important?
✅ Mandatory for all Work Permit holders
✅ Covers hospitalization and surgical expenses
✅ Protects both employer & employee financially
✅ Ensures access to quality healthcare in Singapore
🛡️ FWMI Coverage (As per MOM Guidelines)
Employers must provide a policy with at least SGD 60,000 coverage per year.
🔹 What does FWMI cover?
1. 🏥 Hospitalization Expenses
- Inpatient treatment
- Ward charges
- Doctor’s fees
- Surgery costs
2. 💊 Day Surgery & Treatments
- Minor surgeries that do not require overnight stay
3. 🚑 Emergency Treatment
- Accidents or sudden illness requiring immediate care
4. 🧾 Pre & Post Hospitalization
- Consultation and follow-up treatment related to hospital stay
⚠️ What is NOT Covered?
❌ Pre-existing conditions (in most cases)
❌ Cosmetic procedures
❌ Non-medical expenses
❌ Outpatient treatments (unless included as add-on)
👷 Who Needs FWMI?
FWMI is required for:
- Construction workers
- Marine & shipyard workers
- Manufacturing workers
- Service sector Work Permit holders
💼 Employer Responsibilities
Employers must:
✔️ Purchase FWMI before worker arrives
✔️ Maintain continuous coverage
✔️ Ensure policy meets MOM requirements
✔️ Pay medical bills upfront if needed
💡 Why Choose the Right FWMI Provider?
Choosing a reliable FWMI provider helps:
- Faster claim processing
- Better hospital network access
- Reduced financial risk
- Peace of mind for both employer & worker