Medical insurance plans with sub-limits, e.g. inpatient care, day surgery or 'per disability' sub-limits, will meet MOM's requirement if each sub-limit is at least equivalent to $15,000 a year.
Where there are no sub-limits for inpatient care and day surgery, a total coverage of $15,000 for both categories would meet our requirements. This means policyholders (foreign workers) can claim up to $15,000 for inpatient care if they did not incur any day surgery expenses in the policy year, and vice versa.