MDW employers are required to buy medical insurance with a minimum sum assured of at least $15,000 per year. This covers hospitalisation and surgery expenses.
The personal accident insurance (PAI), however, provides a lump sum compensation to the MDWs or their next of kin if the MDW suffers from permanent disability or passes away due to an accident. The required minimum sum assured for PAI is $60,000 from 1 October 2017.