Medical protection for foreign worker

AIA Foreign Worker Protector Plus

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AIA Foreign Worker Protector Plus

Get peace of mind with AIA Foreign Worker Protector Plus, an affordable medical insurance plan designed to cover your foreign workers' increasing hospitalisation and surgical cost.




Yearly Renewable

Entry Age

16 – 64 years old*

This 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)
  • Exclusions are in line with MOM's list of allowable exclusions
  • Insurers will reimburse portion of the hospital bill to hospitals** directly upon admissibility of the medical claim
  • *** Age-differentiated premiums are in 2 age bands: (1) <50 years old and (2) >50 years old
*  The entry age will be from 16 – 64 years old. Renewable up to age 70.
** Refer to list of participating hospitals by downloading "List of hospitals with direct claims reimbursement" mentioned above.
*** AIA will be providing age-differentiated premiums in 2 age bands before July 2025.

More info

We can start a policy with minimum 3 employees.

Premium rates are determined based on the entire AIA Foreign Worker Protector Plus portfolio – claim submissions will not incur a corresponding increase in premiums during policy renewal.

Choose between S$60,000 or up to S$100,000 coverage per policy year with the option to remove co-insurance.

24/7 dedicated customer service hotline to help you with claims and enquiries.

Get in Touch

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[1] "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.
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Terms and conditions

There are certain conditions under which no benefits will be payable. These are stated as exclusions in the policy contract. The exclusions for this plan include, but are not limited to, the following conditions. You are advised to read the policy contract for the full list of exclusions.
  • Repeated occurrences of Sickness or Injury while employed by the Policyholder resulting in Investigation and treatment of psychological, emotional, mental conditions and intentional self-inflicted injuries while sane or insane.

  • Repeated occurrences of Sickness or Injury while employed by the Policyholder arising from drug addiction to prescribed or non-controlled drugs, or while under the influence of alcohol, or alcoholism.

  • Repeated occurrence while employed by the Policyholder for Injury arising from direct participation in a strike, riot, or civil commotion.

  • Repeated treatments while employed by the Policyholder for sexually transmitted diseases, Acquired Immuno-Deficiency Syndrome (AIDS), AIDs related complexes and all sicknesses or diseases associated with the Human Immuno-Deficiency Virus (HIV), unless acquired due to Medically Necessary blood transfusions or occupational related infections (where proof of which must be made available to the Company).

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA").
All insurance applications are subject to AIA's underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.  You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost.
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites ( or or
This advertisement has not been reviewed by the Monetary Authority of Singapore.
This information is correct as at 01 May 2023.