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How would I be affected by the enhanced medical insurance requirements announced by MOM on 31 March 2023?

From 1 July 2023, MOM will enhance the minimum medical insurance (MI) required for all new and existing Work Permit holders in two stages as shown below: 

To implement for MI policies, renewals or extensions with start date effective from Enhanced MI requirements
1 July 2023 (Stage 1) Introduction of a co-payment element* for employers and insurers for claim amounts above $15,000, up to an annual claim limit of at least $60,000
 1 July 2025 (Stage 2)
  • Standardisation of allowable exclusion clauses
  • Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50
  • Requirement for insurers to reimburse hospitals directly upon the admissibility of the claim
*Co-payment of 75% by insurers (and 25% by employers) for claim amounts above the first $15,000.


You must ensure that the medical insurance policies for your Work Permit holders with start dates effective on or after 1 July 2023 and 1 July 2025 minimally comply with Stage 1 and Stage 2 requirements respectively. 

You should engage insurers early to understand the products available. You are strongly encouraged to buy an MI with all the enhanced requirements early for better peace of mind. You are also encouraged to buy additional coverage above MOM’s minimum requirements for greater protection against medical bills incurred by your workers.