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S Pass medical insurance requirements

Before you can issue or renew an S Pass, you must buy medical insurance for the pass holder.

On 4 Mar 2022, MOM announced that the medical insurance requirements for all Work Permit and S Pass holders will be enhanced with effect from end-2022.

You should engage your insurers early to ensure that they will be able to offer products that will meet MOM’s new requirements. Otherwise, you may need to look for another insurer.

More details will be shared in due course.

What it should cover

As part of an employer's S Pass medical obligations, you must buy and maintain medical insurance for your S Pass holders as long they are under your employment.

The insurance coverage must be at least $15,000 per year and cover inpatient care and day surgery. 

Co-pay arrangement

You can have a co-pay arrangement with the S Pass holder only if all of the following are met:

  • The co-pay amount is reasonable and does not exceed 10% of the worker’s monthly salary.
  • The duration co-payment does not exceed 6 months.
  • The co-payment option is explicitly in the employment contract or collective agreement and has the worker’s full consent.

You must not pass on the cost of buying medical insurance to your S Pass holders.

What's next

Paying salaries