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Medical insurance requirements for migrant worker

You need to buy a medical insurance plan for each migrant worker you employ. You also need to submit the insurance details online before the Work Permit can be issued.

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 an employer, you must buy and maintain medical insurance coverage of at least $15,000 per year for each Work Permit holder.

You do not need to buy medical insurance if the Work Permit holder is also holding a Dependant’s Pass and already has a medical insurance plan that meets the minimum mandatory coverage of $15,000 per year. The insurance plan has to cover the full period of the Work Permit validity.

The insurance should cover inpatient care and day surgery, including hospital bills for conditions that may not be work related.

You can have a co-pay arrangement with the Work Permit 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 Work Permit holders.

Submit insurance details

You need to submit medical insurance details online before you request to issue or renew a Work Permit, and when the details change.

To update the information, log in to WP Online.

You need to keep the following information up to date:

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