How can I guarantee that the medical insurance (MI) for migrant worker or MDW meets MOM's requirements?
MOM has worked with insurance associations for insurers to include pre-contract disclosures for all MI policies. This is to be transparent for all employers on the purchased MI’s coverage. You should request for insurers to show whether the product offered complies with our minimum requirements before buying the MI.
We would consider the MI to meet the requirement if there is disclosure by insurers, or an insurance policy clause stating that the benefits of the coverage are not worse than MOM’s enhanced MI requirements.