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100+ Free SCI FDWI Practice Questions

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Key Facts: SCI FDWI Exam

50

Questions

Multiple Choice

50 min

Time Limit

Computer Screen Exam

70%

Passing Score

35/50 correct

S$60,000

Min Medical Cover

MOM Inpatient Limit/Year

S$60,000

Min PAI Cover

Accidental Death/Disability

S$5,000

Security Bond

Non-Malaysian MDW

The SCI FDWI exam consists of 50 multiple-choice questions in an open-book 50-minute Computer Screen Examination (CSE). Candidates need a passing score of 70% (35/50). The syllabus tests MOM EFMA regulations, mandatory S$60,000 inpatient medical insurance co-payment rules, S$60,000 personal accident insurance, S$5,000 security bonds, and policy claims handling.

Sample SCI FDWI Practice Questions

Try these sample questions to test your SCI FDWI exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Ministry of Manpower (MOM) regulations in Singapore, what is the mandatory minimum annual limit for inpatient medical insurance for a Migrant Domestic Worker (MDW)?
A.S$60,000 per year
B.S$15,000 per year
C.S$30,000 per year
D.S$100,000 per year
Explanation: MOM mandates that employers of Migrant Domestic Workers (MDWs) must purchase inpatient medical insurance with a minimum coverage limit of S$60,000 per year. This requirement protects employers from unexpected high medical expenses due to surgery or hospitalization.
2What is the mandatory minimum sum assured for Personal Accident Insurance (PAI) required by MOM for a foreign domestic worker in Singapore?
A.S$60,000 per year
B.S$10,000 per year
C.S$25,000 per year
D.S$50,000 per year
Explanation: MOM requires employers to maintain Personal Accident Insurance (PAI) with a minimum sum assured of S$60,000 per year for their MDWs. The policy must cover accidental death and permanent disability 24 hours a day, both on and off duty.
3Which category of foreign domestic workers is EXEMPT from the MOM S$5,000 Security Bond requirement in Singapore?
A.Malaysian foreign domestic workers
B.Indonesian foreign domestic workers
C.Filipino foreign domestic workers
D.Myanmar foreign domestic workers
Explanation: Under MOM regulations, employers hiring Malaysian MDWs are exempt from posting the S$5,000 security bond. Employers hiring non-Malaysian MDWs (e.g., from Indonesia, Philippines, Myanmar) must post a S$5,000 security bond prior to the helper's arrival.
4What is the primary function of a Letter of Guarantee (LOG) issued by an insurer to the Ministry of Manpower (MOM) for an MDW?
A.It acts as a financial guarantee to MOM in lieu of the employer depositing S$5,000 cash upfront
B.It guarantees that the helper will receive a annual performance bonus from MOM
C.It certifies that the helper has passed her primary school education in her home country
D.It waives the employer's legal obligation to pay monthly Work Permit levies
Explanation: An insurer issues a Letter of Guarantee (LOG) to MOM on behalf of the employer, guaranteeing payment of up to S$5,000 if the security bond is forfeited. This avoids the employer having to deposit S$5,000 cash directly with MOM.
5Under MOM guidelines, what hospital ward class standard is used to calculate basic mandatory inpatient medical insurance benefits for MDWs?
A.Class C or Class B2 in public restructured hospitals
B.Class A1 in private hospitals
C.Single-bed Deluxe Suites in private medical centers
D.Class B1 in public restructured hospitals
Explanation: Basic mandatory MDW medical insurance is benchmarked against Class C or Class B2 ward charges in public restructured hospitals. If an MDW receives treatment in higher ward classes or private hospitals, pro-ration factors apply.
6What medical examination is mandatory for Migrant Domestic Workers in Singapore every 6 months (6ME)?
A.Screening for pregnancy, syphilis, HIV, and tuberculosis
B.Full body MRI scan and genetic screening
C.Comprehensive dental examination and orthodontic assessment
D.Routine annual eye refraction and vision test
Explanation: MOM mandates that all MDWs undergo a 6-Monthly Medical Examination (6ME) to screen for pregnancy, infectious diseases such as syphilis and HIV, and tuberculosis (chest X-ray when required). Employers are responsible for all 6ME costs.
7Under standard Foreign Domestic Worker Insurance policies, what does the 'Repatriation Expenses' benefit cover?
A.The cost of conveying the helper back to her home country if she is medically unfit to work or passes away
B.The helper's airfare for annual home leave vacation while employed
C.The employer's personal vacation travel costs while the helper is on duty
D.The passport renewal fees charged by the helper's home embassy
Explanation: Repatriation Expenses benefit reimburses the actual costs incurred by the employer to transport the MDW back to her port of entry in her home country in the event of permanent total disablement, serious illness, or death.
8How long is the standard coverage tenure for a Foreign Domestic Worker Insurance policy in Singapore to align with MOM Work Permit issuance?
A.26 months (or 14 months) to provide an extra 2 months of buffer coverage beyond the Work Permit
B.12 months strictly with no additional buffer days
C.36 months with no allowance for early termination
D.6 months matching the bi-annual medical screening schedule
Explanation: FDWI policies in Singapore are typically sold for 26-month (or 14-month) durations. The additional 2 months beyond the 24-month (or 12-month) Work Permit period ensures continuous coverage during MOM administrative processing or repatriation delays.
9What is the function of a Security Bond Protector Rider (or Reimbursement of Indemnity) attached to an MDW insurance policy?
A.It limits the employer's financial liability to a small excess (e.g. S$250) if MOM forfeits the S$5,000 security bond through helper breach
B.It completely waives the requirement for an employer to buy medical insurance for the helper
C.It guarantees that the helper will never resign or terminate her employment contract early
D.It pays a direct cash dividend to the helper upon completion of her 2-year contract
Explanation: If MOM forfeits the S$5,000 security bond (e.g., due to helper breach of Work Permit rules without employer collusion), the Security Bond Protector Rider indemnifies the employer, reducing their net out-of-pocket loss to a small excess (typically S$250).
10What is the standard notification timeframe within which an employer or policyholder must notify the insurer of a potential claim under an FDWI policy?
A.Within 30 days of the occurrence or hospital discharge
B.Within 365 days of the occurrence
C.Within 24 hours strictly, failing which all benefits are immediately voided
D.No deadline applies as long as claims are filed before Work Permit expiry
Explanation: Most FDWI policies stipulate that written notice of claim, along with supporting medical bills or reports, must be submitted to the insurer within 30 days of the incident or discharge from hospital.

About the SCI FDWI Exam

The Certificate of Proficiency in Foreign Domestic Worker Insurance (FDWI) is conducted by the Singapore College of Insurance (SCI). It assesses an insurance professional's knowledge of Singapore's Ministry of Manpower (MOM) regulatory requirements under the Employment of Foreign Manpower Act (EFMA), mandatory inpatient medical insurance, personal accident insurance (PAI), security bond guarantees, and supplementary policy benefits for Migrant Domestic Workers (MDWs).

Questions

50 scored questions

Time Limit

50 minutes

Passing Score

70% (35 of 50 correct)

Exam Fee

S$210.00 (inclusive of 9% GST) (Singapore College of Insurance (SCI))

SCI FDWI Exam Content Outline

25%

MOM Regulatory Framework & EFMA Compliance

Employment of Foreign Manpower Act, Work Permit conditions, mandatory 6-monthly medical examinations (6ME), and employer legal obligations.

25%

MOM Security Bond & Protector Riders

S$5,000 MOM security bond requirement for non-Malaysian MDWs, Letter of Guarantee (LOG), bond forfeiture triggers, and employer protection riders.

30%

Mandatory Medical & Personal Accident Insurance

S$60,000 annual medical limit, 75/25 co-payment structure above S$15k, Ward C/B2 restructuring rules, and S$60,000 PAI death and permanent disability scales.

20%

Supplementary Benefits & Policy Administration

Repatriation expenses, wages and levy compensation, alternate helper allowance, theft coverage, policy cancellation schedules, and claims handling.

How to Pass the SCI FDWI Exam

What You Need to Know

  • Passing score: 70% (35 of 50 correct)
  • Exam length: 50 questions
  • Time limit: 50 minutes
  • Exam fee: S$210.00 (inclusive of 9% GST)

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

SCI FDWI Study Tips from Top Performers

1Memorize statutory minimum limits: S$60,000 for inpatient medical, S$60,000 for PAI, and S$5,000 for MOM security bond.
2Understand the 75/25 co-payment formula for medical claims between S$15,000 and S$60,000.
3Know the difference between Class C/B2 restructured hospital ward limits and private/higher class ward pro-ration factors.
4Master the distinction between mandatory benefits mandated by MOM and optional supplementary benefits (e.g. Wages & Levy compensation, Theft, Third-Party Liability).
5Review the MOM Security Bond forfeiture conditions and how the Security Bond Protector Rider indemnifies employers.
6Study policy cancellation and short-period refund tables when a Work Permit is canceled or transferred.

Frequently Asked Questions

What is the SCI Foreign Domestic Worker Insurance (FDWI) examination?

The SCI FDWI is a professional certificate of proficiency offered by the Singapore College of Insurance. It certifies insurance agents, brokers, and underwriters in Singapore on the statutory rules, coverage limits, security bond requirements, and policy terms governing Migrant Domestic Worker (MDW) insurance.

What are the MOM minimum insurance requirements for employing an MDW in Singapore?

Under Ministry of Manpower (MOM) regulations, employers must purchase: (1) Mandatory Inpatient Medical Insurance with a minimum coverage limit of S$60,000 per year; (2) Personal Accident Insurance (PAI) with a minimum sum assured of S$60,000 per year covering death and permanent disability 24/7; and (3) A S$5,000 Security Bond (in the form of a Letter of Guarantee) for non-Malaysian MDWs.

How does the medical insurance co-payment structure work for MDWs?

For inpatient medical expenses up to S$15,000 per year, the insurer pays 100% of eligible expenses (subject to Ward C or B2 limits in public restructured hospitals). For eligible expenses between S$15,000 and S$60,000, a co-payment structure applies where the insurer pays 75% and the employer pays 25%.

What is the MOM $5,000 Security Bond and Security Bond Protector Rider?

Employers of non-Malaysian MDWs must post a S$5,000 security bond with MOM. Insurers issue a Letter of Guarantee (LOG) to MOM on behalf of the employer. If the helper breaches Work Permit conditions or goes missing through no fault of the employer, MOM may forfeit the bond. A Security Bond Protector Rider limits the employer's liability to a small excess (usually S$250) instead of losing the full S$5,000.

What format is the SCI FDWI exam?

The exam is an open-book Computer Screen Examination (CSE) conducted at the SCI examination center in Singapore. It contains 50 multiple-choice questions with 4 options per question. The time limit is 50 minutes, and the passing score is 70% (35 correct answers).

What are the common exclusions in foreign domestic worker insurance policies?

Standard policy exclusions include pre-existing medical conditions (unless covered under specific MOM transition rules or continuous renewal riders), intentional self-inflicted injury, suicide, pregnancy/childbirth, venereal diseases, illegal acts, cosmetic surgery, and war or nuclear risks.