EP Insurance: Protecting Malaysian Employees Riding into Singapore Daily
Many Malaysian employees commute daily into Singapore by motorcycle for work. Without adequate medical insurance, a single accident can lead to overwhelming hospital bills. Here is how Readyforce helps employees stay protected.
Every day, thousands of Malaysian employees cross the Causeway on motorcycles to work in Singapore. The journey is familiar — but the financial risk of an accident on Singapore roads is anything but small. Hospital bills in Singapore can escalate quickly, and many employees arrive without sufficient medical insurance to cover these costs.
The Challenge for Malaysian Employees
Due to the high traffic volume and accident risk on Singapore roads, unexpected accidents can result in very high hospitalisation and medical bills. In many cases, employees may not have sufficient Singapore medical insurance coverage. This can lead to delayed treatment, financial stress, or difficulty returning to Malaysia for more affordable medical care — all of which impact both the employee and their employer.
How Readyforce Helps
At Readyforce Manpower Solution, we believe it is important for employees to have proper protection while working in Singapore. Prudential is the insurance provider we trust to help protect our employees with stronger hospitalisation and accident coverage. We work with a dedicated Prudential Financial Consultant to help employees understand and access the right plan for their needs.
Selected Coverage Plan
Plan Details
- PRUShield Plus — comprehensive hospitalisation and medical coverage
- PRUExtra Plus Care Rider — additional rider benefits to reduce out-of-pocket expenses
This plan provides strong coverage for employees working in Singapore, particularly those commuting by motorcycle who face elevated accident risk daily.
- Hospitalisation and medical coverage of up to SGD $1,000,000 per policy year
- Coverage for surgery, ICU stays, specialist treatment, and emergency treatment
- Coverage for cancer-related treatment
- Coverage at Singapore restructured hospitals up to Class A ward
- Additional rider benefits to help reduce out-of-pocket medical expenses
Estimated Annual Premium
For employees between the ages of 30–35 who ride motorcycles daily into Singapore, coverage of this level is commonly around SGD $800/year, depending on occupation and underwriting assessment.
How to Apply
Contact Edmund Tan directly via phone or WhatsApp
Get assessed based on your age, occupation, and coverage needs
Get covered — policy activated with Prudential
The insurance is usually fully paid by the employee. Employers may assist by helping employees understand the available protection options and facilitating access to the consultant.
The information above is for general sharing purposes only. Coverage, premiums, and claims are subject to Prudential's policy terms and underwriting approval.
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