The Foreign Worker Medical Insurance (FWMI) is a mandatory requirement for employers of foreign workers who are Work Permit and S Pass holders. Employers are required to purchase and maintain minimum medical insurance coverage of $15,000 per year for each Work Permit and S-Pass holder for non-work related inpatient hospitalisation and day surgery.

This compulsory medical insurance requirement was introduced in tandem with the withdrawal of healthcare subsidies for foreigners from 1 Jan 2008 to help employers manage the potentially high medical bills of their foreign workers. This requirement is for basic coverage, but employers are still responsible for any uninsured medical expenses of their foreign workers.