The insurer pays the first S$15,000 of a claim in full. Above that, it pays 75% and the employer pays 25%, unless the employer buys an add-on that covers that share. The premium can’t be passed on to the worker.
Since 1 July 2025, plans may only exclude items on MOM’s standard list, can charge at most two rates by age (50 and below, and above 50), and pay hospitals directly.
A plan that meets the minimum costs about S$120 to S$280 per worker a year for workers aged 50 and below, GST included. It is separate from WICA, which covers work injuries, and from the S$5,000 security bond.
Sources
- Ministry of Manpower (Singapore): Medical insurance for Work Permit holders (sector-specific rules)
Minimum coverage, co-payment, enhanced MI Stage 2, worker co-payment, submission in WP Online
Reviewed 23 October 2026 · Source details
- Ministry of Manpower (Singapore): Medical insurance requirements for S Pass holders
Minimum coverage, co-payment, enhanced MI Stage 2
Reviewed 23 October 2026 · Source details