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How is medical insurance for foreign workers different from the other insurance requirements?

The medical insurance requirement provides cover for a foreign worker's medical expenses, including hospital bills arising from treatment for causes that may not be work-related.

It serves a different purpose from the other employer-paid insurance requirements, such as:

  • Work injury compensation insurance. This covers compensation, including medical expenses, for work-related injuries only. It applies to both local and foreign workers.
  • Personal accident insurance for foreign domestic workers (FDWs). This insures against accidental death and permanent disablement, not medical expenses.