S Pass medical insurance requirements

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 medical treatment is not for work-related inpatient expenses.
• 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.

Submit insurance details

You need to submit medical insurance details online before you request to issue or renew an S Pass, and when the insurance details change.

You can submit the medical insurance details through:

• WP Online
• EP Online – you can submit the details when you issue the S Pass.

You need to keep the following information up to date:

• Name of insurer
• Insurance policy number
• Insurance policy commencement date
• Insurance policy expiry date

We encourage you to get a WP Online account to make it easier for you to update your employees’ medical insurance. Registration is free.