Important Updates
Important Updates
July 23, 2025 | United KingdomConstruction Management: Immigration Reforms: What’s Next for Construction Employers?
July 24, 2025 | China, AzerbaijanAzerbaijan/Mainland China: Reciprocal Visa Exemption in Effect
July 24, 2025 | United StatesThe PIE: More Declines Loom in “Seriously Concerning” US Visa Trends
July 24, 2025 | United Kingdom, IndiaUnited Kingdom/India: Free Trade Agreement and Social Security Agreement Forthcoming
July 24, 2025 | United StatesUnited States: Ninth Circuit Affirms Nationwide Scope of Birthright Citizenship Injunction
July 23, 2025 | United KingdomConstruction Management: Immigration Reforms: What’s Next for Construction Employers?
July 24, 2025 | China, AzerbaijanAzerbaijan/Mainland China: Reciprocal Visa Exemption in Effect
July 24, 2025 | United StatesThe PIE: More Declines Loom in “Seriously Concerning” US Visa Trends
July 24, 2025 | United Kingdom, IndiaUnited Kingdom/India: Free Trade Agreement and Social Security Agreement Forthcoming
July 24, 2025 | United StatesUnited States: Ninth Circuit Affirms Nationwide Scope of Birthright Citizenship Injunction
July 23, 2025 | United KingdomConstruction Management: Immigration Reforms: What’s Next for Construction Employers?
Subscribe
Fragomen.com home
Select Language
  • English
  • French
  • French - Canadian
  • German

Select Language

  • English
  • French
  • French - Canadian
  • German
ContactCareersMedia
Search Fragomen.com
  • Our Services
    For EmployersFor IndividualsBy IndustryCase Studies
  • Our Tech & Innovation
  • Our People
  • Our Insights
    Worldwide Immigration Trends ReportsMagellan SeriesImmigration AlertsEventsMedia MentionsFragomen NewsBlogsPodcasts & Videos
  • Spotlights
    Navigating Immigration Under the Second Trump AdministrationTravel & Mobility Considerations: Situation in the Middle EastImmigration Matters: Your U.S. Compliance RoadmapHumanitarian and Evolving Legal Pathways (HELP)Vietnamese ImmigrationAustralian Immigration: New Skills in Demand Visa
  • About Us
    About FragomenOfficesResponsible Business PracticesFirm GovernanceRecognition

Our Services

  • For Employers
  • For Individuals
  • By Industry
  • Case Studies

Our Tech & Innovation

  • Our Approach

Our People

  • Overview / Directory

Our Insights

  • Worldwide Immigration Trends Reports
  • Magellan Series
  • Immigration Alerts
  • Events
  • Media Mentions
  • Fragomen News
  • Blogs
  • Podcasts & Videos

Spotlights

  • Navigating Immigration Under the Second Trump Administration
  • Travel & Mobility Considerations: Situation in the Middle East
  • Immigration Matters: Your U.S. Compliance Roadmap
  • Humanitarian and Evolving Legal Pathways (HELP)
  • Vietnamese Immigration
  • Australian Immigration: New Skills in Demand Visa

About Us

  • About Fragomen
  • Offices
  • Responsible Business Practices
  • Firm Governance
  • Recognition
Select Language
  • English
  • French
  • French - Canadian
  • German

Select Language

  • English
  • French
  • French - Canadian
  • German
ContactCareersMedia
  • Insights

Singapore: Enhanced Medical Insurance Requirements for Work Permit and S Pass Holders

April 4, 2023

insight-news-default

Country / Territory

  • SingaporeSingapore

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

At a Glance

  • The Singapore government announced that it will enhance the minimum medical insurance requirements for all new and existing Work Permit (including migrant domestic workers) and S Pass holders in two stages.
      • Starting July 1, 2023 (Stage 1), employers will be required to co-pay 25% for claim amounts above the first SGD 15,000, with a new increased annual claim limit of SGD 60,000.
      • Starting July 1, 2025 (Stage 2), the Singapore government will standardize allowable exclusion clauses, introduce age-differentiated premiums, and mandate direct reimbursement from insurers to hospitals.
  • The government recommends that employers engage with insurers early ahead of the above implementation dates to avoid any inconvenience.

The situation

The Ministry of Manpower (MOM) announced that it will enhance the minimum medical insurance (MI) requirements for all new and existing Work Permit and S Pass holders in two stages.

A closer look

Effective Date Details Impact
Stage 1 - Starting on July 1, 2023
    • The MOM will raise the minimum MI coverage for Work Permit and S Pass holders from SGD 15,000 to SGD 60,000 per year.
    • Employers will be required to co-pay 25% (and 75% by insurers) for claim amounts above the first SGD 15,000, up to the new annual claim limit of SGD 60,000.
      • Employers can make co-pay arrangements with their Work Permit or S Pass holders for medical bills if all of the following conditions are met:
        • The co-pay amount is reasonable and does not exceed 10% of the worker's fixed monthly salary;
        • The duration of co-payment does not exceed six months for every two years of employment; and
        • The co-payment option is explicitly stated in the employment contract or collective agreement and has the worker's full consent.
    • Employers must submit medical insurance details online before requesting to issue or renew a work permit.

 

    • Employers will need to provide higher medical insurance coverage and share a portion of the claim cost.
    • On the other hand, employers will be protected from unexpected large medical bills incurred by their employees.
    • Employers who fail to provide the required coverage may face penalties such as fines or the suspension of work pass privileges.
    • Employers should engage with insurers early ahead of the above implementation dates to avoid any inconvenience.
    • Employees benefit from increased financial protection and improved access to medical care.
Stage 2 - Starting on July 1, 2025
    • The MOM will implement the following additional enhancements to the MI requirements:
      • Standardization of allowable exclusion clauses;
      • Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50; and
      • Requirement for insurers to reimburse hospitals directly upon the admissibility of the claim.

 

    • Employers may be subject to higher fees as insurers adjust the premiums based on the age of the employees. However, this also means that younger employees will see lower premiums.
    • Employees benefit from the streamlining and standardization of the reimbursement process from the direct reimbursement by insurers to hospitals.

 

Background

  • Improvement and standardization of insurance requirements. The changes are in line with the government’s policy of enhancing the protection of foreign national workers by ensuring increased access to medical care for foreign nationals.
  • Regular review and enhancement of work pass requirements. The MOM continues to review and implement enhancements to work pass conditions and requirements. Recently, the MOM introduced new verification requirements for Employment Pass applicants’ educational qualifications.

Looking ahead

It is likely that the Singapore government will continue introducing changes to work pass application requirements as it continues to improve various immigration pathways, which may include increased MI contributions for Employment Pass applicants as well in the future.

This alert is for informational purposes only. If you have any questions, please contact the global immigration professional with whom you work at Fragomen or send an email to [email protected].

Country / Territory

  • SingaporeSingapore

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Share

  • Twitter
  • Facebook
  • LinkedIn

Explore more at Fragomen

Media mentions

The PIE: More Declines Loom in “Seriously Concerning” US Visa Trends

Partner Aaron Blumberg noted that enhanced screening measures, including social media vetting, may be contributing to delays in US student visa processing.

Learn more

Media mentions

Construction Management: Immigration Reforms: What’s Next for Construction Employers?

Associate Ilaria Iovieno outlines how recent UK immigration reforms will impact construction employers and their ability to sponsor overseas talent.

Learn more

Media mentions

Grand Designs Magazine: How to Buy Your Dream Home Overseas

Director Isobel Neilson discusses how changes to golden visa programmes are affecting UK buyers pursuing overseas property investment.

Learn more

Media mentions

TechInformed: Global Talent, Local Growth: Immigration’s Role in the Tech Economy

Senior Associate Tayyaba Karim and Associates Aisha Shahid and Yinny Tan outline how UK immigration changes affect tech talent access and business alignment.

Learn more

Media mentions

The New York Times: Hoping to Visit the U.S.? It Might Cost You an Extra $250.

Partner Parisa Karaahmet is quoted on a new country-specific, $250 "visa integrity fee" introduced by the current US administration as part of a domestic policy bill.

Learn more

Media mentions

New Civil Engineer: The immigration white paper and the government’s Industrial Strategy – how do they compare?

Paralegal Sean Pearce discusses the UK government's immigration White Paper in the context of its Industrial Strategy, noting the importance of overseas talent in meeting infrastructure and housing goals.

Learn more

Video

Update on U.S. Tariffs | #MobilityMinute

In this Mobility Minute, Partner Christian Dallman shares an update on US tariffs as the August 1 deadline for trade negotiations approaches.

Learn more

Media mentions

Saudi Gazette: Saudi Arabia’s Skill-Based Work Permit System Reshapes Expat Employment Landscape

Partner Haider Hussain discussed how Saudi Arabia’s new skill-based work permit system is reshaping employer compliance and recruitment strategies.

Learn more

Podcast

Visa Policy Changes in Nigeria

Director Caroline Kanzara-Obinwa and Manager Tarissa Wareley are joined by Bloomfield Law Practice's Kunle Obebe and Peace Lotechukwu to discuss Nigeria's 2025 visa policy reforms.

Learn more

Media mentions

Windpower Monthly: Wind Industry’s Chronic Skills Shortage Exacerbated by Tough Immigration Rules

Associate Yinny Tan outlines how proposed UK immigration changes may affect workforce planning and talent access in the wind industry.

Learn more

Blog post

UK Creative Industries & Immigration: What the 2025 Policy Changes Mean

Senior Manager Sean Rhodes, Associate Jennifer Gray and Paralegal Mariel Arquero outlines how the United Kingdom's 2025 immigration policy changes will impact the creative industries.

Learn more

Media mentions

AAML: Navigating U.S. Passport Applications for Minors Under 16: A Guide for Family Law Attorneys

Senior Associate Carolyn Alvarez outlines US passport rules for minors to guide family law attorneys on immigration requirements.

Learn more

Media mentions

The PIE: More Declines Loom in “Seriously Concerning” US Visa Trends

Partner Aaron Blumberg noted that enhanced screening measures, including social media vetting, may be contributing to delays in US student visa processing.

Learn more

Media mentions

Construction Management: Immigration Reforms: What’s Next for Construction Employers?

Associate Ilaria Iovieno outlines how recent UK immigration reforms will impact construction employers and their ability to sponsor overseas talent.

Learn more

Media mentions

Grand Designs Magazine: How to Buy Your Dream Home Overseas

Director Isobel Neilson discusses how changes to golden visa programmes are affecting UK buyers pursuing overseas property investment.

Learn more

Media mentions

TechInformed: Global Talent, Local Growth: Immigration’s Role in the Tech Economy

Senior Associate Tayyaba Karim and Associates Aisha Shahid and Yinny Tan outline how UK immigration changes affect tech talent access and business alignment.

Learn more

Media mentions

The New York Times: Hoping to Visit the U.S.? It Might Cost You an Extra $250.

Partner Parisa Karaahmet is quoted on a new country-specific, $250 "visa integrity fee" introduced by the current US administration as part of a domestic policy bill.

Learn more

Media mentions

New Civil Engineer: The immigration white paper and the government’s Industrial Strategy – how do they compare?

Paralegal Sean Pearce discusses the UK government's immigration White Paper in the context of its Industrial Strategy, noting the importance of overseas talent in meeting infrastructure and housing goals.

Learn more

Video

Update on U.S. Tariffs | #MobilityMinute

In this Mobility Minute, Partner Christian Dallman shares an update on US tariffs as the August 1 deadline for trade negotiations approaches.

Learn more

Media mentions

Saudi Gazette: Saudi Arabia’s Skill-Based Work Permit System Reshapes Expat Employment Landscape

Partner Haider Hussain discussed how Saudi Arabia’s new skill-based work permit system is reshaping employer compliance and recruitment strategies.

Learn more

Podcast

Visa Policy Changes in Nigeria

Director Caroline Kanzara-Obinwa and Manager Tarissa Wareley are joined by Bloomfield Law Practice's Kunle Obebe and Peace Lotechukwu to discuss Nigeria's 2025 visa policy reforms.

Learn more

Media mentions

Windpower Monthly: Wind Industry’s Chronic Skills Shortage Exacerbated by Tough Immigration Rules

Associate Yinny Tan outlines how proposed UK immigration changes may affect workforce planning and talent access in the wind industry.

Learn more

Blog post

UK Creative Industries & Immigration: What the 2025 Policy Changes Mean

Senior Manager Sean Rhodes, Associate Jennifer Gray and Paralegal Mariel Arquero outlines how the United Kingdom's 2025 immigration policy changes will impact the creative industries.

Learn more

Media mentions

AAML: Navigating U.S. Passport Applications for Minors Under 16: A Guide for Family Law Attorneys

Senior Associate Carolyn Alvarez outlines US passport rules for minors to guide family law attorneys on immigration requirements.

Learn more

Stay in touch

Subscribe to receive our latest immigration alerts

Subscribe

Our firm

  • About
  • Careers
  • Firm Governance
  • Media Inquiries
  • Recognition

Information

  • Attorney Advertising
  • Legal Notices
  • Privacy Policies
  • UK Regulatory Requirements

Our firm

  • About
  • Careers
  • Firm Governance
  • Media Inquiries
  • Recognition

Information

  • Attorney Advertising
  • Legal Notices
  • Privacy Policies
  • UK Regulatory Requirements

Have a question?

Contact Us
  • LinkedIn
  • Youtube
  • Instagram
  • Facebook
  • Twitter

© 2025 Fragomen, Del Rey, Bernsen & Loewy, LLP, Fragomen Global LLP and affiliates. All Rights Reserved.

Please note that the content made available on this site is not intended for visitors / customers located in the province of Quebec, and the information provided is not applicable to the Quebec market. To access relevant information that applies to the Quebec market, please click here.