Primary Care Plan Coming July 2025
As announced by the Ministry of Manpower, employers will be required to provide a Primary Care Plan (PCP) for outpatient healthcare services for domestic workers from July 2025. This is in addition to the existingEnhanced Medical Insurance (EMI)required for inpatient care. Learn about compliance requirements →
What is the Primary Care Plan?
The Primary Care Plan (PCP) is a new healthcare requirement that provides outpatient coverage for domestic workers. It includes regular GP consultations, basic diagnostic procedures, and preventive healthcare services.See detailed PCP information →
PCPs will have annual premiums ranging from $120-$200 and minimal co-payments for consultations. The exact coverage details will be finalized closer to the July 2025 implementation date. Use ourinsurance cost calculatorto estimate your expenses.
Key PCP Benefits
Healthcare Management Guides
Comprehensive information to help you manage your helper's healthcare needs
Primary Care Plan (PCP) Enrollment
Required from July 2025, PCP provides outpatient care for helpers
Guidelines
- Select from MOM-approved insurers (typically the same as your medical insurance provider)
- Complete PCP application form with helper's details
- Pay annual premium ($120-$200 depending on coverage)
- Register helper with assigned primary care network
- Receive PCP card and information booklet
- Update Work Permit Online system with PCP details
PCP enrollment will be mandatory from July 2025. Employers can pre-enroll with selected insurers starting January 2025.
Medical Examination Requirements
Mandatory medical checks upon arrival and every six months
Guidelines
- Initial medical examination within 14 days of arrival (6ME)
- Screening for infectious diseases (tuberculosis, HIV, syphilis)
- Pregnancy test (required by MOM)
- Semi-annual follow-up examinations (every 6 months)
- Medical report submission to MOM through Work Permit Online
- Keep examination records for at least two years
Failure to complete medical examinations on time may result in Work Permit cancellation and fines up to $5,000.
Vaccination Guidelines
Recommended and required vaccinations for domestic workers
Guidelines
- COVID-19 vaccination (strongly recommended)
- Influenza vaccination (annual)
- Hepatitis B (3-dose series if not previously vaccinated)
- Tetanus-diphtheria booster (every 10 years)
- MMR (measles, mumps, rubella) for those without prior immunity
- Employer responsibility to facilitate access to vaccinations
Emergency Procedures
Protocols for medical emergencies involving your helper
Guidelines
- Keep a list of emergency contacts visible (ambulance, police, nearby clinics)
- Maintain a copy of helper's medical insurance card and policy number
- Create a medical information sheet with blood type, allergies, and conditions
- Establish clear procedures for contacting you in emergencies
- Inform helper about nearby 24-hour clinics and hospitals
- Keep basic first aid supplies accessible
For emergencies, call 995. For the Enhanced Medical Insurance emergency assistance, contact your insurer's 24-hour hotline listed on the policy.
Healthcare Provider Network
Understanding the healthcare options available to your helper
Guidelines
- Primary care clinics in your insurer's network (covered by PCP)
- Referral process for specialist care (typically requires GP referral)
- Participating hospitals for inpatient care
- Panel of doctors for regular check-ups and 6ME
- Emergency facilities available 24/7
- Telemedicine options for minor consultations
Cost Management Tips
Strategies for managing healthcare costs effectively
Guidelines
- Use PCP network clinics to minimize co-payments
- Understand the co-payment structure (75% insurer/25% employer above $15,000)
- Keep all medical receipts for insurance claims
- Consider premium payment options (installments vs. annual payment)
- Review policy coverage yearly to ensure adequate protection
- Track medical expenses using digital tools or spreadsheets
Understanding The Complete Healthcare Coverage
How the Enhanced Medical Insurance and Primary Care Plan work together
Enhanced Medical Insurance (EMI)
Inpatient Coverage
Hospitalizations, surgeries, emergency services
$60,000 Annual Limit
Increased from previous $15,000 requirement
Co-payment Structure
75% insurer/25% employer for claims above $15,000
Stage 2 Changes (July 2025)
Direct hospital reimbursement, standardized exclusions
Primary Care Plan (PCP)
Outpatient Coverage
GP visits, basic diagnostics, preventive care
Affordable Premiums
$120-$200 annually with minimal co-payments
Network Access
Access to participating clinics and healthcare providers
Implementation Timeline
Mandatory from July 2025, early enrollment from January 2025
Combined Healthcare Protection
With both EMI andPCP, your helper will have comprehensive healthcare coverage for both inpatient and outpatient needs. This ensures better healthcare access, potentially reducing serious illnesses through preventive care, and ultimately lowering the risk of major medical expenses.
Pro Tip: Consider purchasing both EMI and PCP from the same insurer for streamlined administration, potential premium discounts, and integrated claims processing.See common insurance FAQs →
Related Resources
Explore these additional guides to enhance your understanding
Enhanced Medical Insurance
Learn about the mandatory $60,000 coverage and co-payment structure
Primary Care Plan (PCP)
Details about the upcoming July 2025 outpatient coverage requirement
Compliance Center
Stay updated with all regulatory healthcare requirements
Required Documents
Essential healthcare-related documents and forms
Healthcare Costs Calculator
Calculate potential healthcare costs and insurance premiums
Insurance Claims Process
Guide to filing and managing insurance claims
Need assistance with healthcare requirements?
Our team can help you understand and implement the latest MOM healthcare requirements, including EMI co-payment and the upcoming PCP implementation.