Do the medical checkup of EP renewals exist?

Generally, no. Only a medical check is normally necessary when applying first time unless the applicant has not been abroad in a long time or the MOM must demand it.

Is it possible to use MediSave to insure as an EP holder?

Only in the case of Singapore Permanent Resident (PR) or Citizen. The foreigners on an EP do not make contributions to CPF/MediSave and as such, they are unable to make premiums or Out of Pocket Medical Expenses on CPF/MediSave.

What will happen in a "Shortage" profession?

With the EP approval less difficult, you might receive bonus points under COMPASS, should your job be on MOM Occupational Shortage List (SOL). It also does not free you off medical demands.

Does the employer need to pay my repatriation?

Yes. The employer is usually liable to Repatriation Expenses under the Work Injury Compensation Act (WICA) and EFMA on the event of the death or permanent disability.

Singapore Employment Pass Medical & Insurance Cost 2026

It does not just take a payroll amount to navigate the landscape of the Singapore Employment Pass (EP) in 2026 with the entire implementation of the MOM COMPASS Framework 2026 and an overhaul of Integrated Shield Plan (IP) riders coming into force in April 2026 it is important to know your financial and medical obligations in order to move seamlessly to the Lion City.

Critical Regulatory and Compliance 2026 EP Landscape

The Employment of Foreign Manpower Act (EFMA) remains the foundation of work pass regulations in 2026. The approval stakes have, however, changed to a holistic approach of complementarity.3

MOM COMPASS Framework 2026

That is replaced by the Complementarity Assessment Framework (COMPASS), which is required to have at least 40 points in four foundational areas (Salary, Qualifications, Diversity, Supporting Local Employment) and two bonus areas.

EP Salary Benchmarks 2026

The most important factor is salary. To earn points on the C1 Salary category, your fixed monthly salary should be at the 65 th percentile of local PMET salaries on your sector and age.

Non-Financial Services: Begins at $5,600 (Rises with age to a high of 10700 when age is 45 and above)
Financial Services: Begins at $6,200 (age varies between 6 & 45 years).

Liability of Employer on Medical Costs

The cost of the Employer Liability on Medical Costs is also obvious under the Singapore law: the employer must cover the cost of the upkeep and maintenance of work pass holders unless otherwise stated in the employment contract on co-payment.

The April “Rider” Revolution Health Insurance in 2026

There is no compulsory minimal medical cover as in the case of S Pass or even Work Permit holders. Nonetheless, as the cost of healthcare in Singapore has been increasing with the growth of the private sector, a majority of employers offer a Group Hospital and Surgical (GHS) Plan.

The April 2026 Integrated Shield Plan (IP) Changes

The largest change of this year is on the 1st of April 2026. The Ministry of Health (MOH) has also restricted new IP riders to being able no longer to pay the entire deductible.

Minimum IP Deductible $1,500-3,500): This amount of money is now required out of your pocket before insurance starts to cover you.
Co-payment Cap ($6 000): To help you avoid bill shock, you can have an annual limit on co-payments of $6,000 (when the provider is a panel provider).
Annual Premium Savings (30%): Since the riders cease to offer the zero-dollar out of pocket riders, the premiums of the riders are likely to reduce by about 30 percent.

International Private Medical Insurance (IPMI)

International Private Medical Insurance (IPMI) is still popular to C-suite executives. These plans are portable worldwide with Pre-existing Conditions coverage, something that is frequently a breaking point when the older EPs apply to the plan.

Analysis of Costs Inpatient or Outpatient

In comparing insurance or planning on healthcare, the distinction that can be made is Inpatient Care vs. Day Surgery Coverage. Majority of the simplest corporate plans are centred on the hospital stay but might not cover much on specialist consultations or diagnostic tests (MRI/CT scans) unless they result in surgery.

Private vs. Restructured Hospitals: A stay at a private hospital (e.g., Mount Elizabeth) will be 2x to 3x more expensive than a restructured hospital (e.g., SGH or NUH).
Age-Differentiated Premiums: When you are above 50 years of age, your insurance premiums are set to soar, due to the age brackets that the insurers use to calculate the risk.

FAQs

Do the medical checkup of EP renewals exist?

Generally, no. Only a medical check is normally necessary when applying first time unless the applicant has not been abroad in a long time or the MOM must demand it.
Is it possible to use MediSave to insure as an EP holder?

Only in the case of Singapore Permanent Resident (PR) or Citizen. The foreigners on an EP do not make contributions to CPF/MediSave and as such, they are unable to make premiums or Out of Pocket Medical Expenses on CPF/MediSave.
What will happen in a “Shortage” profession?

With the EP approval less difficult, you might receive bonus points under COMPASS, should your job be on MOM Occupational Shortage List (SOL). It also does not free you off medical demands.
Does the employer need to pay my repatriation?

Yes. The employer is usually liable to Repatriation Expenses under the Work Injury Compensation Act (WICA) and EFMA on the event of the death or permanent disability.

Final Thoughts

The Singapore Employment Pass environment of the year 2026 will be that one that would attract top talent, and one that would also have a sustainable healthcare system. Although the EP Medical Checkup is a small one-time charge the real financial plan is selecting an insurance plan that would align with the new 2026 deductible regulations with full coverage.

Disclosure

The article is informational and educational in nature. The Ministry of Manpower (MOM) or the Ministry of Health (MOH) are good sources of information that readers should rely on before coming up with a decision.