Faq - Insurances and Medical

Ministry of Manpower

PAI insures against accidental death or permanent disablement. It provides a lump sum compensation to the beneficiaries of the policy if unfortunate events happen.

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/what-is-personal-accident-insurance

Ministry of Manpower

Yes, you can continue to do so. The home-based 6ME service is just an additional option for you to consider.

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/can-i-send-my-helper-to-the-clinic-for-her-6me-even-if-i-meet-the-conditions-for-the-home-based-6me-service

Ministry of Manpower

You can submit the results of the completed 6ME via iSubmit.

We will process your request within 3 working days upon receiving the completed medical form.

You may view the 6ME status online. 

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/how-do-i-submit-my-fdws-6-monthly-medical-examination-6me-report

Ministry of Manpower

No. Foreign domestic workers (FDWs) are not covered under Work Injury Compensation Act (WICA) because they live and work close to their employers in the same premises, making it difficult to determine whether any injury sustained in the premises was due to work-related activities. However, employers are required to buy personal accident insurance (PAI) for FDWs to provide them compensation in the event of death or permanent disability during their stay in Singapore.

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/are-fdws-covered-under-the-work-injury-compensation-act

Ministry of Manpower

As employers of FDWs directly benefit from hiring them, they must bear all the costs of maintaining their FDWs. This includes any medical costs necessary for her health.

Hence, you are not allowed to make your FDW pay for her medical expenses. This includes medical expenses that are part of, or above what the insurance pays.

To help employers better manage the risk of having to pay large sums of money for their medical FDW’s medical expenses, MOM already requires you to buy both medical insurance and personal accident insurance of a minimum coverage for your FDW before you’re allowed to employ her.

Employers are encouraged to buy insurance with a higher coverage to protect themselves from any excessive medical bills.

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/can-i-get-my-fdw-to-co-pay-her-medical-expenses-that-exceed-the-insurance-benefit-limit

Ministry of Mnapower

You can log in to the FDW eService to check your helper’s last 6-monthly medical examination (6ME) date, or if your helper is due for 6ME.

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/how-do-i-check-my-fdws-medical-examination-date

Ministry of Manpower

Yes, if you meet all the conditions, you can make an appointment with the service provider for the home-based 6ME service. Your helper’s test results will still be certified by a Singapore-registered doctor.

Source information taken from https://www.mom.gov.sg/faq/work-permit-for-fdw/i-am-eligible-for-the-home-based-6me-service-but-my-helpers-6me-letter-told-me-to-send-her-to-a-singapore-registered-doctor