Are you a foreign worker in Singapore? If so, you should know about 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 are 8 essential facts you need to know about FWMI.


Fact 1: It’s Mandatory


Foreign Worker Medical Insurance is mandatory for all foreign workers in Singapore. Your employer is required by law to purchase this insurance policy for you, and it covers you during the course of your employment.


Fact 2: It Covers Inpatient and Outpatient Medical Expenses


FWMI covers both inpatient and outpatient medical expenses related to your employment. This includes hospitalization, surgeries, consultations, and medication, among other things.


Fact 3: It Covers Work-Related Injuries and Illnesses


FWMI also covers work-related injuries and illnesses, such as accidents that happen on the job or illnesses that result from exposure to hazardous substances.


Fact 4: It Covers Pregnancy and Childbirth


If you’re a female foreign worker in Singapore, FWMI covers medical expenses related to pregnancy and childbirth.


Fact 5: It Has a Minimum Coverage Requirement


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


Fact 6: It Can Be Purchased from Any Insurer Approved by MOM


Your employer can purchase FWMI from any insurer approved by the Ministry of Manpower (MOM). The insurer will issue an insurance certificate that you can use to seek medical treatment.


Fact 7: Your Employer Must Renew Your Policy Annually


FWMI policies must be renewed annually. Your employer is responsible for renewing the policy before it expires.


Fact 8: It Does Not Cover Pre-Existing Conditions


FWMI does not cover pre-existing medical conditions that you had before you started working in Singapore.




In conclusion, foreign workers in Singapore should be aware of Foreign Worker Medical Insurance (FWMI). It’s a mandatory insurance policy that covers medical expenses related to your employment, including inpatient and outpatient treatment, work-related injuries and illnesses, pregnancy and childbirth, and more. The policy has a minimum coverage requirement, can be purchased from any MOM-approved insurer, and must be renewed annually. However, it does not cover pre-existing medical conditions. So, if you’re a foreign worker in Singapore, make sure you understand the benefits of FWMI and ensure that your employer has purchased the policy for you.