Singapore Foreign Worker Medical Insurance & Security Bond Guide 2026

Complete guide to MOM foreign worker medical insurance (S$60,000 coverage), S$5,000 security bond Banker's Guarantee, and Primary Care Plan (PCP) rules.

Overview & Statutory Background

The Ministry of Manpower (MOM) enforces mandatory healthcare and financial security compliance rules for employers hiring foreign workers on Work Permits and S Passes in Singapore. Employers must provide minimum S$60,000/year medical insurance, purchase a S$5,000 security bond for non-Malaysian workers, and enroll workers in the Primary Care Plan (PCP).

Key Pass Highlights & Statutory Criteria

Min. Medical Coverage

S$60,000 / year

Verified

Security Bond Amount

S$5,000 (Non-Malaysian)

Verified

Personal Accident Cover

S$60,000 Minimum

Verified

Primary Care Plan (PCP)

Mandatory Anchor Care

Verified

Evaluation Criteria & Points Breakdown

1. Mandatory S$60,000 Medical Insurance

S$60k Inpatient

Covers inpatient hospital stays and day surgeries with co-payment rules (75% insurer / 25% employer above S$15,000).

2. S$5,000 Security Bond Requirement

S$5k Banker Guarantee

Must be purchased prior to non-Malaysian worker arrival. Bond is forfeited if employer breaches MOM work permit laws.

3. Primary Care Plan (PCP)

Outpatient Care

Mandatory outpatient primary healthcare coverage provided via Anchor Operators in designated regional sectors.

4. Co-Payment & Claim Submission

Direct Insurer Billing

Insurers must provide direct billing with public hospitals so employers do not face upfront cash outlay.

Mandatory Eligibility Requirements

Applies to all employers of Work Permit (including MDWs) and S Pass holders.

Insurance policy must be active BEFORE the worker's pass is issued or renewed.

Security bond must be executed as a Banker's Guarantee or Insurance Guarantee with MOM.

EMPLOYER LIABILITY: Employers cannot deduct insurance or security bond costs from foreign worker salaries.

Step-by-Step Application & Issuance Process

Receive MOM IPA Letter

Employer receives IPA letter stating security bond and insurance requirements.

Purchase Bond & Medical Insurance

Purchase S$5,000 security bond and S$60k medical insurance through approved insurers (takes 1-2 days to link to MOM database).

PCP Enrolment

Enroll worker in Primary Care Plan (PCP) via MOM portal.

Pass Issuance

Log into MOM WP Online, confirm bond linkage, and request pass issuance.

Required Document Checklist

•MOM In-Principle Approval (IPA) Letter

•Approved Security Bond Letter & Banker's Guarantee Document (S$5,000)

•Medical Insurance Policy Certificate (showing minimum S$60,000 annual claim limit)

•Primary Care Plan (PCP) Enrolment Confirmation

Frequently Asked Questions (FAQ)

Employers must provide medical insurance with an annual claim limit of at least S$60,000 for Work Permit and S Pass holders.

Employers must purchase a S$5,000 security bond (via a Banker's Guarantee or Insurance Bond) for each non-Malaysian Work Permit holder prior to arrival.

The S$5,000 bond may be forfeited if the employer or worker breaches Work Permit conditions, fails to pay salaries on time, or fails to repatriate the worker upon pass cancellation.

No. MOM strictly forbids employers from deducting medical insurance, security bond, or pass application costs from foreign worker salaries.

PCP is a healthcare scheme providing foreign workers with affordable outpatient medical care, health screenings, and telemedicine via Anchor Operator clinics.

Yes. Malaysian Work Permit holders are exempt from the S$5,000 security bond requirement.