Customised Plan

Customised Plan

Tailor your own employee benefits and insurance plan that best suits your employees needs. It's flexible and easy. For companies with 11 or more employees.
  • Protect your employees from the financial impact of unforeseen illnesses and accidents
  • Determine your own coverage and benefits to match your existing plan or create a new one 

Group Foreign Worker Medical Insurance

The Group Foreign Worker Medical Insurance product meets the following Ministry of Manpower's (MOM) enhanced medical insurance requirements:

  • Annual claim limit of at least S$60,000, inclusive of a first-dollar cover of S$15,000
  • For portion of the bill above S$15,000, employer must co-pay up to 25% (to the hospital)1
  • Age-differentiated premiums are in 2 age bands: (1) ≤50 years old and (2) >50 years old3
  • Exclusions are in line with MOM's list of allowable exclusions2
  • Insurers will reimburse portion of the hospital bill to hospitals directly upon admissibility of the medical claim2

1 Applicable to GFWM Plans 3,4,7 and 8 only

2 Implemented on/after 1st July 2025 in accordance with MOM's Stage 2 requirement under enhanced MI for Work Permit and S Pass Holders

3 Only applicable for PRUTreasures Flexi II (PTRFII) Packaged Plans but not for Group Customised Plans

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