Written Answer to PQ on Medical insurance coverage for MDWs

NOTICE PAPER NO. 135 OF 2025 FOR THE SITTING ON OR AFTER 15 OCTOBER 2025
QUESTION NO. 662 FOR ORAL ANSWER

MP: Mr Foo Cexiang

To ask the Minister for Manpower (a) in the past three years, what is the number of cases where a migrant domestic worker’s (MDW) medical fees surpassed $60,000; and (b) whether the Ministry will consider increasing the minimum annual claim limit or encourage insurance providers to increase the optional enhanced coverage sums under MDW’s medical insurance policies.

Answer:

Between 2022 and 2024, 99% of inpatient and day surgery bills incurred in public healthcare institutions by Migrant Domestic Workers (MDWs) fall within $60,000, which is the minimum annual insurance claim limit required after MOM increased it by four times, up from $15,000 just two years ago in 2023. Given that only about 20 bills each year exceed $60,000, there are currently no plans to raise the minimum annual claim limit further.

2. Nevertheless, MOM continues to make improvements to the MDW insurance system, so as to better protect employers’ interests. From 1 July 2025, the list of exclusion clauses has been standardised to give employers clarity on their coverage. Employers who wish to have even better coverage may purchase more comprehensive insurance plans for better peace of mind.