Skip to main content

S Pass medical insurance requirements

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

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.