Customised Plan
Core Plans
- 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