Report

Understanding the different Migrant personas for specific economic corridors Survey
Scope:
1. Currently targeting migrant population in Singapore across blue-collar and semi-skilled workers
2. The objective is to gather data about developing insurance for the targeted demographics based on
their needs.
INTRODUCTION
The objective of this survey is to conduct primary research and understand the different Migrant personas
for specific economic corridors. A migrant is defined as someone who moves geographically for a period
greater than 1 year for economic benefit, both for the individual and to support their family back home.
Confidentiality: Any responses provided will be kept confidential and will only be reported on an
aggregate level alongside fellow respondents. Your details will not be shared with anyone without explicit
consent from you.
- Add not canvassing for any company or brand*
Thank you for your participation
SECTION A - Demographic
ABOUT THE MIGRANT WORKER
A1 ASK ALL
Migrated City (Current location of migrant worker).
City SINGLE CODE

Central Region (Capture the city name ______) 1
East Region (Capture the city name ______) 2
North-East Region (Capture the city name ______) 3
North Region (Capture the city name ______) 4
West Region (Capture the city name ______) 5
A2 Gender. DO NOT PROBE

Interviewer: Please note the gender of the respondent without asking.
Gender SINGLE CODE

Male 1
Female 2
A3 ASK ALL
What is your age in completed years?
Interviewer: Please note the precise age below and the post-code age group the in the grid below.
____ ____years (range -15 to 99)
Age group SINGLE CODE

Below 18 years 1  Thank & Terminate
18 – 25 2
26 – 35 3
 Continue
36 – 45 4
46 – 55 5
Older than 55 6  Thank & Terminate
A3a ASK ALL

Can you please tell me which are all languages you can speak?
Language A3a
(MULTI CODE)
English 1
Singaporean Mandarin 2
Malay 3
Tamil 4
Chinese 5
Japanese 6
Korean 7
Punjabi 8
Malayalam 9
Urdu 10
Hindi 11
Telugu 12
Thai 13
Vietnamese 14
Filipino 15
Others (Please Specify) 99
A4 ASK ALL
What is your home or native country?
Country SINGLE CODE

Philippines 1  Continue
Myanmar 2
Indonesia 3
Malaysia 4  Thank & Terminate
Thailand 5
Others (Please specify ___________) 6
A5 ASK ALL
Can you please tell me how long you are living in the current city?
Current City SINGLE CODE

Less than 1 year  Thank & Terminate
1-3 years 1
4-5 Years 2
More than 5 years 3
ASK ALL
A5a. Do you periodically send money to your home?
SINGLE CODE
Yes  Continue
No  Thank & terminate
A6 ASK ALL
What is your highest educational qualification?
SOCIAL CLASS (defined by education level) SINGLE CODE

Illiterate 1
School: up to 4 years 2
School: 5-9 years 3
SSC/HSC 4
Some colleges but not graduate 5
Graduate/ Post graduate general 6
Graduate / Postgraduate professional 7
A6a ASK ALL
Please specify the range of your monthly net personal income. (IN SGD)
Monthly Personal income SINGLE CODE

Less than 500 1
SGD 501 – SGD 1,000 2
 Continue
SGD 1,001 – SGD 1,500 3
SGD 1,501 – SGD 2,000 4
More than SGD 2,000 6  Thank & Terminate
DIGITAL LITERACY
A7 ASK ALL
Please let me know do you have a smartphone.
SINGLE CODE
Yes 1
No 2
A8 ASK IF CODED “YES” IN A7

Please let me know which all following activities you do on your mobile.
MULTI-CODE
Play online games 1
Surfing for information (products/ services) 2
Make online payments using net banking (travel/ movie/ bill payment) 3
Make online payments using mobile wallets / UPI 4
Online shopping/ online purchasing 5
Video/ voice chatting 6
Downloading videos/ movies 7
Social Networking (e.g., LinkedIn Facebook, Twitter) 8
Others (Please elaborate ___________) 99
A9 ASK ALL
Please indicate which mobile network you use currently. (MULTI-CODE) (per column selection)
A. PRE-PAID B. POST-PAID
Singtel 1 1
Starhub 2 2
M1 3 3
Others (Please Specify) 99 99
A10 ASK ALL

A10a. Can you please tell me which entertainment or shopping apps/brands you recall?
Code the first mention as TOM.
A10b. Code rest as Spontaneous Awareness PN: [show names which have not been answered in A10a]
Now give a showcard to the respondent with the specified names: Are you aware of the
following?
A10c. Now kindly have a look at this card and tell me which of these other apps given here are you
aware of. (CODE IN Aided Awareness) PN: [show the names which have not been answered
in A10a or A10b]
A10d. Can you please look at this card & tell me which of these apps have you ever used? (CODE IN Used)
[Brands coded in A10a, A10b, A10c including open text mentioned in others]
DO NOT SHOW A10d. IF CODED “I AM NOT AWARE OF ANY BRANDS” in A10c
DO NOT SHOW “I AM NOT AWARE OF ANY BRANDS” in A10a, A10b
b. Spontaneous A10c.Aided Aware A10d.Ever used

a. TOM
Apps Aware (MULTICODE) (MULTICODE)
SINGLE CODE
(MULTICODE)
Entertainment Apps
Facebook 1 1 1 1
Twitter 2 2 2 2
Instagram 3 3 3 3
Snapchat 4 4 4 4
LinkedIn 5 5 5 5
WhatsApp 6 6 6 6
Telegram 7 7 7 7
BeReal 8 8 8 8
YouTube 9 9 9 9
Line 10 10 10 10
BIGO Live 11 11 11 11
ShareChat 12 12 12 12
I am not aware of any
98 98 98 98
brand
Others (Please Specify) 13 13 13 13

Shopping Apps
Amazon 14 14 14 14
Qoo10 15 15 15 15
Carousell 16 16 16 16
HipVan 17 17 17 17
Reebonz 18 18 18 18
Lazada 19 19 19 19
Shopee 20 20 20 20
Zalora 21 21 21 21
I am not aware of any
98 98 98 98
brand
ABOUT MIGRANT’S OCCUPATION
A11 ASK ALL

Please specify if you hold any of the below-mentioned entry or employment permits.
SINGLE CODE
Work Permit for Foreign Workers 1
Work Permit for Foreign Domestic Workers 2
S Pass
Thank & Terminate
Work Permit for Performing Artiste
Work Permit for Confinement Nanny
A12 ASK ALL

Can you please tell me which of this best describes your current employment status?
Employment status SINGLE CODE

Working-Full Time
Working-Part Time  Continue
Contractual Job
Student
Unemployed
 Thank & Terminate
Housewife
Retired
A13 ASK ALL

Can you please tell me in which of the below-mentioned industry you are currently employed in?
(PLEASE ELABORATE THE TYPE OF JOB_______) PLEASE ASK THIS QUESTION FOR THE INDUSTRY SELECTED
Working Industry SINGLE CODE

Govt Job 1
Finance 2
IT/ITES/ BPO/ Hardware/ Software 3
Media & Entertainment 4
Automobiles / Auto Ancillary/ components 5
FMCG – Food 6
FMCG – Non-Food 7
Cosmetics & Personal Care 8
Pharmaceuticals 9
Aviation 10
Biotechnology 11
Cement/ Real Estate 12
Education & Training 13
Manufacturing 14
Healthcare 15
Oil & Gas 16
Retail 17
Tourism 18
Research & Development 19
Gems & Jewellery 20
Durables, Electronics & Electrical Appliances 21
Oil & Gas 22
Telecom 23
A14 ASK ALL

Can you please tell me which of this best describes your designation at your organization?
Designation SINGLE CODE

Driver 1
Carpenter 2
Technician 3
Electrician 4
Plumber 5
Housekeeper 6
Security 7
Supervisor 8
Delivery workers 9
Agriculture farm workers 10
Grocery clerks 11
Sweepers 12
Petrol station helpers 13
Cleaners 14
House Cook 15
Household Works 16
Waiter 17
A15 ASK ALL

Can you please tell me how long you have been working in your current role?
Current Tenure SINGLE CODE

Less than 1 year 1
1 – 2 Years 2
2 – 3 Years 3
3 – 4 Years 4
4 – 5 Years 5
More than 5 Years 6
A16 ASK ALL

Can you please tell me if you have changed your job at any time in your overall career?
SINGLE CODE
Yes 1
No 2
ASK IF CODED “1” in A16

Ask for the reason OPEN-ENDED RESPONSE (50 WORDS MAX)
PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER
MULTI-CODE
Better opportunity 1
Career Growth 2
Relocation 3
Better work-life balance 4
Career Change/ Learning new skills 5
Better salary 6
Family issues 7
Health issues 8
No work in the previous company 9
Not paid/underpaid salary 10
Uncertain nature of the previous job (job security) 11
Others 99
A16a ASK ALL

Can you please tell me are you a member of any labour union in our organization/ member of other
private/govt organizations that helps migrant workers?
Union members SINGLE CODE

Yes 1
No 2
ASK IF CODED “1” in A16a

Ask for the Name of the trade union they are associated with?
OPEN-ENDED RESPONSE (50 WORDS MAX)
A17 ASK IF CODED “1” in A16

Have you been unemployed at any time in between the change?
SINGLE CODE
Yes 1
No 2
ASK IF CODED “1” in A17

A. Ask for the reason OPEN-ENDED RESPONSE (50 WORDS MAX)
MULTI-CODE
Medical/health issues 1
Laid off 2
Learning a new skill 3
Taking care of sick family members 4
Waiting for a better salary/job/opportunity 5
No job from my contractor/ contract over 6
Travel back home for any personal/medical emergency 7
Others 99
B. Can you please explain how you managed your expenses especially back at your home during
unemployment? OPEN-ENDED RESPONSE (50 WORDS MAX)
MULTI-CODE
Pay from the savings I have 1
Relying on salary of relatives/ other family members 2
A loan from a bank 3
Mortgage (Land, house, etc) 4
Help from colleagues/contractors 5
Lending money from neighbours/ relatives/ other family members/friends 6
Lending money from financial companies 7
Sold household items /vehicles 8
Others 99
ABOUT MIGRANT’S FAMILY
A18 ASK ALL

What is your current marital status?
Marital status SINGLE CODE

Married 1
Single 2
Divorced 3
Refused to answer 97
A. Please tell me who are staying with you in your current location and who are staying in your
native city / location.
PROBE To understand more about their entire family, did you stay alone in the current city / staying
with my entire family (wife, parents) / staying with wife and kids, where do their kids’ study (If they
have kids) OPEN-ENDED RESPONSE (50 WORDS MAX)
PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER (CURRENT CITY)
SINGLE-CODE
Staying alone 1
Staying with relatives/ other family members 2
Staying with friends/Co-workers 3
Staying with my family (spouse/children/parents) 6
Staying along with the house owner/employer 7
Others 99
PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER (NATIVE CITY)
SINGLE-CODE
Wife alone 1
Wife with children 2
Wife with parents 3
Entire family (wife, children, parents) 4
Children with relatives/ other family members 5
Parents/other family members 6
Others 99
A19 ASK ALL
What is the number of family members in your house? Single select per column. SINGLE CODE
Number of family members a. Current city B. Native City

0 0 0
1 1 1
2 2 2
3 3 3
4 4 4
5 or more 5 5
A20 ASK ALL

Can you please tell me, how many of these family members are of the age below? RECORD IN THE
GRID BELOW (range 0 to 999)
Number of family members No. of people

0
< 1 year old
1 – 8 years
9 – 20 years
21- 45 years
45- 65 years
More than 65 Years
A21 ASK ALL

Please let me know if you are the only earning member in your family.
SINGLE CODE
Yes 1
No 2
A22 ASK ALL

Please specify the key decision-maker in your family when it comes to any finance-related decision
(e.g., opening a bank account, preference of bank(s), savings & expense planning, etc.).
Decision-making role SINGLE CODE

I am the final decision maker 1
My spouse/husband 2
I take suggestions from family members, and I take the final decision 3
My children take the final decision 4
ABOUT MIGRANT’S INCOME
A23 ASK ALL

Please specify how frequently you get your salary from your organization.
SINGLE CODE
Daily 1
Weekly 2
Bi-monthly 3
Monthly once 4
A24 ASK ALL

Please describe the status of your average current debt. (Currency in Philippine Peso)
SINGLE CODE
Do not have any debt 1
Less than 50,000 2
50,001 – Rs 100,000 3
100,001 – 200,000 4
200,001 – 250,000 5
More than 2,50,000 6
ASK WHO CODED “2”,”3,”4”,“5”,“6” in A24
A. Please tell me what type of debt you have.

PROBE To understand more about the type of debt (Loan from a bank, debt from family/relatives,
mortgage the property, debt from finance companies/pawn shops, debt from friends, etc
MULTI -CODE
Loan from a bank 1
Debt from family/relatives 2
Mortgage/sold the property 3
Debt from finance companies/pawn shops 4
Debt from friends 5
Others (Please specify) 99
ASK WHO CODED “1” in A24

A. Please tell me have you taken any debt for migrating to your current city and why they bought
the debt and from whom?
PROBE To understand more about the taken debt for paying to get a job, debt to travel to the
current city, from friends/relatives, mortgage/ sold the property.
MULTI -CODE
Debt for getting job 1
Debt for paying Insurance, security bond. Visa processing, etc. 2
Debt to travel to current city 3
Debt from family/relatives 4
Mortgage/sold the property 5
Debt from finance companies/pawn shops 6
Debt from banks 7
SECTION B - Migrant Journey
B1 ASK ALL
Please specify the key reason for your migration to the current country from your home country.
MULTI-CODE
High/better employment in the current country 1
High wages in the current city 2
Better living standards 4
Married and moved to the current city 5
Natural/Man-made disasters in native 6
No employment in the native country 7
Others 99
B2 ASK ALL
What was your first step when you decided to migrate from your home or native country?

MULTI-CODE
Took guidance on which city to migrate/discussed with family 1
Connected with the agents/Contractors 2
Searched for opportunities by myself and travelled 3
Reached to neighbours/friends/relatives who are already working in that city 4
Reached to Job recruiting agencies 5
Searched online and applied for the job 6
Others 99
B3 ASK ALL
Please specify whom did you reach out to in your home or native country for getting a job.

MULTI-CODE
Searched by myself /discussed with family or parents 1
Agent/contractors/consultants from the same village/city 2
Company relocation 3
My friends/other family members already working here 4
Through Neighbours 5
Seen advertisements/bill boardings about job opening 6
Company websites 7
Job seeking sites(e.g. LinkedIn etc.) 8
Others 99
B4 ASK ALL
Please let me know did you paid any money for getting your current job.
SINGLE CODE
Yes 1
No 2
IF CODED “1” in B4
A. PROBE To understand how much money they paid for getting their current job?
IN SGD SINGLE-CODE
Did not pay any amount for the job (Paid for other things like insurance, VISA, 1
security bonds, etc.)
<500 2
501-1000 3
1001-2000 4
2001-3000 5
>3,000 6
B.Whom they paid?
MULTI-CODE
Did not pay anyone 1
Agent 2
Contractors 3
Job consultants 4
Others 99
C.For what?
MULTI-CODE
Did not pay anyone 1
Paid for the visa documentation process 2
Paid security bonds 3
Paid for insurance 4
Others 99
B5 ASK ALL
Did the contractor/agent/company arrange for travel from your native location to the current country ?
SINGLE CODE
Yes 1
No 2
ASK ALL
A. PROBE Booked flight tickets / provided re-imbruement along with the first month’s salary, etc
MULTI-CODE
Contractors paid 1
Job consultants paid 2
Provided re-imbruement along with the first month’s salary 3
Paid by myself/arranged from family 4
Paid by employer 5
Others 99
B6 ASK ALL
Did the contractor/agent/company provide accommodation in the current city?
SINGLE CODE
Yes 1
No 2
ASK ALL
A. Please elaborate in details on your accommodation
PROBE
MULTI-CODE
Company provided quarters/hostel 1
Company provided dormitories/staffroom 2
Stay in rental accommodations along with family 3
Stay in rental accommodations with the colleagues/friends (shared accommodation) 4
Staying alone in the rented accommodations 5
Stay along with house owner/employer 8
Others 99
 who pays the rent?

MULTI-CODE
Self-paid 1
The company pays certain part in salary 2
Company pays directly 3
Paid on sharing basis with colleagues/roommates/friends 4
Do not pay any rent 5
Others 99
 how much is the rent?

IN SGD MULTI-CODE
Below 200 1
201 – 500 2
501 – 700 3
701 – 1000 4
Above 1000 5
Do not pay any rent 6
B7 ASK ALL
Have you opened any new bank account(s) in your current/host city?
SINGLE CODE
Yes 1
No 2
ASK CODED “1” in B7
A. Who helped you to open the bank account(s) in your current/host city and why you have opened
a new account?
MULTI-CODE
The Bank representative reached the work location 1
Visited bank branch 2
Opened directly on the bank website (online) 3
Agents/contractors helped to open the account 4
Friends/family members helped to open the account 5
Neighbours/colleagues helped to open the account 6
Job employer helped to open the account 7
Others 99
ASK CODED “2” in B7

B. How do you get your salary?
MULTI-CODE
Cash 1
Bank account transfer 2
Cheque 3
UPI
UPI/Online transfer 4
Others 99
SECTION C – Remittance
C1 ASK ALL
Please specify how frequently you are sending money back to your home or native.
SINGLE CODE
Daily 1
Weekly 2
Bi-monthly 3
Monthly once 4
Others (Please elaborate _______) 99
C2 ASK ALL
Please let me know on average how much money you transfer in a month (in SGD) to your hometown.
SINGLE CODE
Less than 250 1
SGD 251 – SGD 500 2
SGD 501 – SGD 750 3
SGD 751 – SGD 1,000 4
SGD 1,001 – SGD 1,250 5
SGD 1,201 – SGD 1,500 6
More than SGD 1,500 7
C3 ASK ALL
Please do let me know how you transfer money to your home/native.
MULTI-CODE
I transfer through a Multi-Currency Bank account 1
rd
Through 3 party money transfer 2
Cash Pick-up 3
International Wire Transfer (SWIFT) 4
Door-to-Door Delivery 5
Prepaid Debit card 6
No-fee credit card 7
International Money order 8
Through mobile banking / internet banking 9
Through digital payment apps (Google Pay, Alipay, etc) 10
Others (Please elaborate _______) 99
C4 ASK ALL
Please do let me know why do you choose _______________ (show each option selected in C3) for
transferring the money? CAPTURE BOTH ADVANTAGES AND CHALLENGES
PROBE To understand the advantages (Convenient, time saving, easily available, secure and
risk free, cost effective, fast, low surcharge, better exchange rate) and challenges (Internet
reliant, High charges, Need a smartphone, takes long time, Transfer limit, Need to wait in
queue for a longer time, Bank/post office timing is not convenient, Not confident with
technology/handling online transactions)
Advantages MULTI-CODE
Convenient 1
Timesaving 2
Easily available 3
Secure and risk-free 4
Cost-effective 5
Fast transfer 6
Low surcharge 7
Better exchange rate 8
Others 99
Challenges MULTI-CODE
Internet reliant 1
High remittance charges 2
Need a smartphone 3
Takes a long time to transfer 4
Transfer limit 5
Need to wait in queue for a longer time 6
Bank/post office timing is not convenient 7
Not confident with technology/handling online transactions 8
Others 99
C5 ASK ALL
Who helped you to understand how you transfer money to your home/native? (ASK FOR EACH
OPTION SELECTED IN C3)
MULTI-CODE
Through friends/relatives 1
Through TV ads 2
Through colleagues 3
Through shop owners/3rd party agents 4
Through bank representatives 5
Others (Please Specify ___________) 99
C6 ASK ALL
Please explain who guided you or taught you to transfer money
(Friends/Colleagues/Contractors/Cybercafe owners/Bank Representatives/etc.)
MULTI-CODE
Friends/Colleagues 1
Bank representatives 2
Agents 3
Contractors 4
Cybercafe owner 5
Children’s/family members 6
Self-learning from YouTube 7
Others 99
C7 ASK ALL
Please let me know if your bank/agents/3 rd party money transfer companies/door-to-door/cash pickup
charge you the additional cost while transferring the amount back home.
SINGLE CODE
Yes 1
No 2
C8 ASK IF CODED “1” IN C7

Please let me know how much it is charged for every SGD.1000 you are transferring.
Interviewer: Please note the precise amount below and the post-code percentage in the grid below.
____ SGD (range 0 to 99999)
SINGLE CODE
Remittance cost
Less than 1% 1
1.1% – 2% 2
2.1% – 3% 3
3.1% – 4% 4
4.1% – 5% 5
More than 5% 6
C9 ASK ALL
Now kindly have a look at this card and tell me which of these banks you use to transfer the money.
MULTI-CODE
Bank Names
DBS Bank 1
UOB Singapore 2
Citibank Singapore 3
Maybank Singapore 4
Standard Chartered Singapore 5
Bangkok Bank Singapore 6
CIMB Bank Singapore 7
ICICI Bank Singapore 8
RHB Singapore Bank 9
ANZ Singapore 10
JP Morgan Singapore 11
HSBC Singapore 12
BNP Paribas Singapore 13
OCBC Singapore 14
Bank of Singapore 15
C10 ASK ALL

Now kindly have a look at this card and tell me which of these money transfer companies you use to
transfer the money.
MULTI-CODE
XE Money Transfer 1
Revolut 2
Panda Remit 3
MoneyGram 4
Iremit 5
Tik 6
Steadfast 7
Western Union 8
TransCrypt 9
Currencyfair 10
DBS 11
Brunphil 12
Instarem 13
Lucy 14
Remitly 15
WorldRemit 16
Wise 17
TransferGo 18
Venstar Exchange 19
TorFX 20
ONLINE PAYMENT APPS
C11 ASK ALL

C11a. Can you please tell me which apps you recall for digital payment apps?
C11b. Code rest as Spontaneous Awareness [display the names not mentioned in C11a in the column
b. Spontaneous Awareness]
Now give a showcard to the respondent with the specified names: Are you aware of the following?
C11c. Now kindly have a look at this card and tell me which of these other apps given here are you
aware of for the digital payment apps. (CODE IN Aided Awareness) [display names not mentioned in
C11a and C11b]
DO NOT SHOW “I AM NOT AWARE OF ANY BRANDS” in C11a, C11b
a. TOM b. Spontaneous Awareness c. Aided Awareness

Digital payment apps
(SINGLE CODE) MULTI-CODE MULTI-CODE
GCash 1 1 1
PayPal 2 2 2
Google Wallet 3 3 3
Apple Pay 5 5 5
DBS PayLah 6 6 6
OCBC Pay Anyone 7 7 7
UOB Mighty 8 8 8
AliPay 9 9 9
FavePay 10 10 10
Google Pay 11 11 11
GrabPay 12 12 12
Huawei Pay 13 13 13
NETSPay 14 14 14
SingTel Dash 15 15 15
WeChat Pay 16 16 16
YouTrip 17 17 17
Revolut 18 18 18
I do not aware of any brand 98 98 98
Others (Please Specify) 99 99 99

Do you use any of the below online payment apps to transfer money? [display options selected in
C11a, C11b and C11c]
MULTI CODE
GCash 1
PayPal 2
Google Wallet 3
Apple Pay 5
DBS PayLah 6
OCBC Pay Anyone 7
UOB Mighty 8
AliPay 9
FavePay 10
Google Pay 11
GrabPay 12
Huawei Pay 13
NETSPay 14
SingTel Dash 15
WeChat Pay 16
YouTrip 17
Revolut 18

Can you please tell me why you prefer online payment apps? [display options selected in C12]
(MULTICODE)
Reasons
Reliability of the Transaction (remittance company is reliable) 1
Less transfer fee and cost of remittance 2
Convenience 3
Can do multiple transactions without any charges 4
Better exchange rate 5
Quick transfer/delivery of cash 6
Better Customer Service 7
MONEY WITHDRAWAL IN THE NATIVE LAND
C14 ASK ALL

Please let me know how your family back in your hometown withdraw the amount which is being sent
MULTI-CODE
Visit the bank branch to withdraw 1
Through bank ATM 2
Through the agents who referred the Job 3
rd
Through 3 party money transfer agents 4
International Wire Transfer (SWIFT) 5
Door-to-Door Delivery 6
International Debit/Credit cards 7
Cash Pick Up facilities 8
C15 ASK ALL

Please let me how are you utilizing the amount back in the home.
MULTI-CODE
Food and groceries 1
Education expenses of kids & family members 2
Used for clearing debts (Paying interest for the debt money, etc) 3
Savings (Savings for children’s future, personal savings, etc) 4
House Rent, mobile bills, etc. 5
Medical expenses of family members (Buying medicines, doctor consultation, etc) 6
Paying a premium for health insurance 7
C16 ASK ALL

Please give me a breakup of your monthly expenses/ savings by the following Cost heads.
Mention the amount (Whole number)
AVERAGE AMOUNT SEND TO HOMETOWN Auto code from C2

AUTO CODE FROM THE OPTION SELECTED IN C2
SECTION D – Insurance
D1 ASK ALL
Please let me know do you own any of the below-mentioned insurance.
(MULTICODE)
Insurance
Life Insurance (Purchased Policy - Self-paid) 1

Medical and Health Insurance (Purchased Policy - Self-paid) 2
Personal Accident Insurance (Purchased Policy - Self-paid) 3
Vehicle Insurance (Purchased Policy - Self-paid) 4
Employer paid medical / health insurance 5
Provided by money transferring agent / contractor 6
I have health/life insurance provided by the bank or any other institution, but not sure
about the insurance company name. (Please elaborate – bank/institution name, type of 7
policy ___________________)
I do not own any life/health insurance 8
Employer paid Personal Accident Insurance 9
Others (Please elaborate___________ _____________) 99
D1A i. Why did you choose the insurance type(s) (show if coded “1 or 2 or 3 or 4” in D1)
ii. What are the advantages and challenges? [Show for each of the option(s) selected]
PROBE reason for choosing the insurance types (Financial support for the family, cost of
treatment and hospitalization in future, monetary help after accident/death, Cover the cost of
damages to vehicle), Advantages (provides full family coverage, financial protection, cashless
benefits, Get a large sum amount after a certain period) and challenges (High premiums, long
waiting period, claim settlement, Not having enough chain network hospitals, Do not cover
most of the other expenses, Loss of premium amount in case of no medical/health issues)
Why? MULTI-CODE
Financial support for the family 1
Covers the cost of treatment and hospitalization in future 2
Monetary help after accident/death 3
Cover the cost of damages to vehicle 4
Do not impact saving which can be used in other scenarios/emergencies 5
For securing life 6
Others 99
Provides full family coverage 1
Provides financial protections 2
Cashless benefits during hospitalization 3
Get a large sum amount after a certain period 4
Helps to cover large medical expenses 5
Mandatory to have vehicle insurance 6
Others 99
High premium 1
Long waiting period 2
The claim settlement process is tedious 3
Not having enough chain network hospitals 4
Do not cover most of the other expenses 5
Loss of premium amount in case of no medical/health issues 6
Others 99
ASK WHO CODED “1” or “2” in D1
D1B Please do let me know which of the below insurance coverage you have? (Select all)
MULTI-CODE MULTI-CODE
Insurance
Health Insurance for self (SHOW ONLY CODED “2” in D1) Yes No
Health Insurance covering entire family (SHOW ONLY
CODED “2” in D1) Yes No
Life Insurance for self (SHOW ONLY CODED “1” in D1) Yes No
Life Insurance covering entire family (SHOW ONLY CODED
“1” in D1) Yes No
D1B i. Why did you choose the coverage type?

PROBE
 Why did they choose self/entire family coverage.
 When did they purchase
 Who helped in purchasing and what are all challenges they faced
Why? MULTI-CODE
Helps to handle large hospitalization expenses 1
Mandatory to have insurance for hospitalization 2
Life insurance provides security in case of loss of life 3
Provides lump sum amount over a period 4
For financial support 5
Others 99
When? MULTI-CODE
Few months ago 1
1-2 years ago 2
3-5 years ago 3
More than 5 years ago 4
Others 99
Who helped? MULTI-CODE

Purchase directly/online 1
Agent 2
Friends/Relatives 3
Colleagues 4
Others 99
D1B ii. Why did not choose the coverage type?

PROBE
 Why they didn’t choose self/entire family coverage.
 What are all the challenges they faced

MULTI-CODE
High premiums 1
No or less money 2
Sending money to the family in the native country 3
Family members already have insurance 4
Others 99
NON-INSURANCE USERS
D2 ASK IF CODED “8” in D1 OR selected at least one “NO” from D1B

Please let me know the reason for not having any insurance.
MULTI-CODE
Reasons
I am healthy and I do not require any insurance 1

I am not aware of any insurance 2
Premium is too expensive to pay 3
Too many insurance products 4
I am not aware of the claim process 5
Insurance serves no purpose in my life 6
D3 ASK IF CODED “8” in D1 OR selected at least one “NO” from D1B

Please tell me if you have had any previous large expenses before (Health issues, Unemployment,
unexpected medical expenses, catastrophe, etc.)
SINGLE CODE
Yes 1
No 2
D4 ASK IF CODED “1” in D3

Please tell me how you managed the expenses.
MULTI-CODE
Pay Self from the savings I have 1

Relatives/ other family members will help 2
Loan from Bank 3
Company contractors paid the expenses and got deducted from the monthly salary 4
Have got government benefits (For e.g., during COVID times, etc.) 5
Mortgage or sold the own property 6
D5 ASK FOR ALL OPTIONS FOR D4
Please do let me know what challenges you face(d) while you took help for managing your expenses
THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER
MULTI-CODE
The higher interest rate for the loan 1
Reduction in savings 2
Return the money to the relatives/family members quickly 3
Loss of assets 4
Not getting full salary 5
Threat if we do not pay the money on time 6
Several reductions in monthly household expenses 7
Need to arrange from multiple sources 8
Others 99
D6 ASK IF CODED “1” in D3
What type of solution(s) you may plan or consider, anticipating large expenses in the future
PROBE Planning to buy insurance, start own savings, etc.
MULTI-CODE
Planning to buy health insurance 1
Start your own savings (Banks, post office, etc) 2
Investments in Fixed Deposits and other investments 3
Do part-time jobs to cover the expenses 4
Planning to buy Life insurance 5
Take loan from friends/family 6
Take help from financial companies 7
Others 99
D7 ASK WHO CODED “1” or “2” in D1
Please let me know have you taken any of the below insurance during the time of processing the Visa.
(MULTICODE)
Insurance
Medical Insurance 1
Life Insurance 2
D8 ASK FOR EACH CODED IN D7

Please let me know how you accessed the medical insurance.
MULTI-CODE
Through contractor/agent 1
Directly/online/self-paid 2
Through family members/relatives 3
Through colleagues 4
Others 99

Please let me know what challenges you faced while purchasing insurance.
MULTI-CODE
Payment failed while transacting 1
High premiums 2
No many options/confusion
Too 3
No support from an insurance agent 4
Was asked for many medical tests report 5
Others 99

Please let me know what could have been better while purchasing the insurance.

MULTI-CODE
Easy payment process 1
Low premiums 2
Smooth onboarding process 3
Transparent process 4
Proper support from an insurance agent 5
Others 99
D11 ASK ALL

Please let me know your preferred channel(s) for your purchase/subscription insurance plan.
RANK (TOP 5 WHERE 1 IS THE HIGHEST & 5 IS THE LOWEST RANK)
MULTI-CODE
Banking apps/websites (online) 1
Directly from Insurance apps/websites (online) 2
Third-party insurance apps (online) 3
Via Agents/contractors 4
Via banks (Physical banks) 5
Via telephone 6
Via remittance/money transfer providers 7
Other (Please Specify) 99
D11Ai. OPEN-ENDED RESPONSE (50 WORDS MAX)

PROBE the reasons behind their choice(s).
MULTI-CODE
Direct accessibility to the company 1
Direct transaction 2
Independent research can be done for online 3
Agents give a choice and recommendations 4
Convenience, and trustworthiness in the case of banks 5
Lower premiums 6
Good recommendations are provided (in case of third party) 7
Special discount (Via telephone) 8
Others 99
AWARENESS & USAGE
D12 ASK ALL

D12a. Can you please tell me which all are Life insurance you recall?
D12b. Code rest as Spontaneous Awareness [display the names not mentioned in D12a in the column
D12c. Now kindly have a look at this card and tell me which of these other brands given here are you
aware of. (CODE IN Aided Awareness) [display names not mentioned in D12a or D12b]
D12d. Can you please look at this card & tell me from which of these insurance companies did you
currently own a policy? PN: [show options selected in D12a, D12b and D12c]
DO NOT SHOW D12d. IF CODED “I AM NOT AWARE OF ANY BRANDS” in D12c or
DO NOT SHOW D12d IF CODED “I do not own any life/health insurance” in D1 or
DO NOT SHOW “I AM NOT AWARE OF ANY BRANDS” in D12a, D12b
b.Spontaneous c.Aided Aware d.Currently

a.TOM Aware MULTI-CODE Own
Insurance
(SINGLE CODE) MULTI-CODE MULTI-CODE
AIA Singapore Private Limited 1 1 1 1
Allianz Insurance Singapore Pte Ltd 2 2 2 2
AXA Insurance Pte Ltd 3 3 3 3
China Life Insurance (Singapore) 4 4 4 4
Pte Ltd.
China Taiping Insurance 5 5 5 5
(Singapore) Pte. Ltd.
Etiqa Insurance Pte Ltd. 6 6 6 6
Friends Provident International 7 7 7 7
Limited
FWD Singapore Pte Ltd 8 8 8 8
Great Eastern General Insurance 9 9 9 9
Limited
HSBC Insurance (Singapore) Pte. 10 10 10 10
Limited
Income Insurance Limited 11 11 11 11
Life Insurance Corporation 12 12 12 12
(Singapore) Pte Ltd Pte. Ltd.
Manulife (Singapore) 13 13 13 13
Monument International Life 14 14 14 14
Assurance Life
Singapore Company
Ltd. Limited 15 15 15 15
Prudential Assurance Company 16 16 16 16
Singapore (Pte)
Sun Life Assurance Company of 17 17 17 17
Canada
Swiss Life (Singapore) Pte Ltd 18 18 18 18
The Great Eastern Life Assurance 19 19 19 19
Company
Tokio LimitedInsurance
MarineLife 20 20 20 20
Singapore
TransamericaLtd.Life (Bermuda) Ltd. 21 21 21 21
Aurich International Life Limited 22 22 22 22
I do not aware of any brand 98 98 98 98
D13 ASK ALL

D13a. Can you please tell me which all are Health insurance you recall?
D13b. Code rest as Spontaneous Awareness [display the names not mentioned in D13a in the column
D13c. Now kindly have a look at this card and tell me which of these other brands given here are you
aware of. (CODE IN Aided Awareness) [display names not mentioned in D12a or D12b]
D13d. Can you please look at this card & tell me from which of these insurance companies did you
currently own a policy? PN: [show options selected in D13a, D13b and D13c]
DO NOT SHOW D13d. IF CODED “I AM NOT AWARE OF ANY BRANDS” in D13c or
DO NOT SHOW D13d IF CODED “I do not own any life/health insurance” in D1
DO NOT SHOW “I AM NOT AWARE OF ANY BRANDS” in D13a, D13b
a.TOM b.Spontaneous c.Aided Aware d.Currently Own

Insurance
(SINGLE CODE) Aware (MULTICODE) (MULTICODE)
Health Shield 1 (MULTICODE)
1 1 1
China Taiping 2 2 2 2
Insurance Singapore
AXA Insurance 3 3 3 3
Singapore
AON Insurance 4 4 4 4
MSIG Insurance 5 5 5 5
Singapore
Aviva Insurance 6 6 6 6
ACE Insurance 7 7 7 7
Singapore
Allianz Singapore 8 8 8 8
AIG Singapore 9 9 9 9
AIA Group 10 10 10 10
NTUC Income 11 11 11 11
Great Eastern life 12 12 12 12
HSBC Insurance 13 13 13 13
Singapore
EQ Insurance 14 14 14 14
Coface Singapore 14 14 14 14
ECICS Limited 16 16 16 16
DirectAsia 17 17 17 17
Raffles Health 18 18 18 18
Iinsurance
do not aware of any 98 98 98 98
brand
D13x1 SHOW FOR EACH OF THE OPTION(S) SELECTED in D12d or D13d

D12a or D13a. Why did you choose the insurance provider(s)?
D12b or D13b. What are the advantages and challenges?

Why? MULTI-CODE
Better/good company history 1
Company reputation 2
Easy claim settlement 3
Good customer support 4
Better/quick cashless support 5
Better claim settlement 6
Better network hospitals 7
High advocation/trust among colleague 8
Pre and Post Hospitalization coverage 9
Minimum co-payment 10
Covers ambulance charges 11
Existing illness covers 12
Free annual health check-up 13
Covers Day care treatment 14
Short-term product that covers unemployment for example 60-90 days 15
Disability cover 16
Childbirth, maternity expenses, etc. 17
Guaranteed returns 18
Providing loan facility from life insurance 19
Others 99
Better or full coverage 1
Cashless benefits 2
Customer support 3
Better claim settlement 4
Affordable premium 5
Others 99
High premiums 1
Higher waiting time 2
Poor customer support 3
No cashless benefits 4
Not having enough chain network hospitals 5
Do not cover most of the other expenses 6
Co-Pay is high 7
Not covering day care expenses/ existing illness 8
No maternity cover 9
Partial withdraw facility is not available 10
Not available for above 60 years of age 11
Others 99

Please let me know who motivated you to purchase health and life insurance.
MULTI-CODE MULTI-CODE
Insurance SHOW IF CODED 1 in SHOW IF CODED 2 in
D1 D1
Self-motivation 1 1
Insurance Agent 2 2
Friend/ Colleague 3 3
Contractors asked to purchase insurance 4 4
In the bank, staff explained about the insurance 5 5
I haven’t purchased, provided by the employer 6 6

Please let me know how often you pay the premium for the policy taken.
SINGLE CODE SINGLE CODE

D1 D1
Monthly 1 1
Quarterly 2 2
Half-yearly 3 3
Annually 4 4

Please let me know the premium amount you are paying annually (SGD).
SINGLE CODE SINGLE CODE

D1 D1
Less than 5,000 1 1
5,001-10,000 2 2
10,001-20,000 3 3
20,001-30,000 4 4
More than 30,000 5 5
D17 ASK ALL

Please let me Know would you be interested in buying a health/life insurance product that is embedded in your
remittance/money transfer which protected you and your family while you are working away from home
SINGLE CODE
Yes 1
No 2
D18 ASK ALL

Please let me know if you are willing to buy insurance that offers the below-mentioned products.
(MULTI-CODE)
YES NO
Protection for children’s future education 1 2
Taking care of medical expenses 1 2
Provides large sum of amount in case of loss of life 1 2
Provide a loan when there is a requirement 1 2
Provide a pension scheme post-retirement 1 2
Provide a large sum of amount after a certain period 1 2
Short-term product that covers unemployment for example 60-90 days 1 2
Disability cover while they are working 1 2
Childbirth, maternity expenses, etc. 1 2
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Understanding the different Migrant personas for specific economic corridors Survey

ABOUT THE MIGRANT WORKER

City SINGLE CODE

A2 Gender. DO NOT PROBE

Gender SINGLE CODE

Age group SINGLE CODE

A3a ASK ALL

Country SINGLE CODE

Current City SINGLE CODE

SOCIAL CLASS (defined by education level) SINGLE CODE

Monthly Personal income SINGLE CODE

A8 ASK IF CODED “YES” IN A7

A10 ASK ALL

b. Spontaneous A10c.Aided Aware A10d.Ever used

Others (Please Specify) 13 13 13 13

Others (Please Specify) 22 22 22 22

ABOUT MIGRANT’S OCCUPATION

A11 ASK ALL

A12 ASK ALL

Employment status SINGLE CODE

A13 ASK ALL

Working Industry SINGLE CODE

A14 ASK ALL

Designation SINGLE CODE

A15 ASK ALL

Current Tenure SINGLE CODE

A16 ASK ALL

ASK IF CODED “1” in A16

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

A16a ASK ALL

Union members SINGLE CODE

ASK IF CODED “1” in A16a

A17 ASK IF CODED “1” in A16

ASK IF CODED “1” in A17

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

ABOUT MIGRANT’S FAMILY

A18 ASK ALL

Marital status SINGLE CODE

Number of family members a. Current city B. Native City

A20 ASK ALL

Number of family members No. of people

A21 ASK ALL

A22 ASK ALL

Decision-making role SINGLE CODE

A23 ASK ALL

A24 ASK ALL

ASK WHO CODED “2”,”3,”4”,“5”,“6” in A24

A. Please tell me what type of debt you have.

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

ASK WHO CODED “1” in A24

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

SECTION B - Migrant Journey

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

OPEN-ENDED RESPONSE (50 WORDS MAX)

OPEN-ENDED RESPONSE (50 WORDS MAX)

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

 who pays the rent?

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

 how much is the rent?

PROBE THE BELOW OPTIONS IF THE RESPONDENT IS NOT ABLE TO ANSWER

OPEN-ENDED RESPONSE (50 WORDS MAX)