One good thing about the circuit breaker is that it revealed the gaps in our healthcare system, especially for migrant workers.
Not only were MWs unable to get proper treatment when they needed it most, the employers were burdened with unexpected healthcare costs.
That’s why Singapore’s Ministry of Manpower (MOM) created a new healthcare plan to protect MWs and employers: the Primary Care Plan (PCP).
Most likely, employers like you have a lot of questions around PCP. That’s why we’ve written this article to serve as your one-stop resource whenever you need it.
In this article, you'll learn:
So, let’s get right into it.
Think of Primary Care Plan (PCP) as Medishield Life. Just like how Medishield supports the healthcare costs of Singapore residents, the PCP supports the healthcare costs of migrant workers and employers.
PCP is a financial healthcare scheme made mandatory for employers with migrant workers working in construction, marine shipyard and process (CMP) sectors.
Migrant workers with PCP get to enjoy a slew of services such as:
If you have MWs holding Work Permit and S Pass who live in dormitories OR work in construction, marine shipyard, and process (CMP) sectors, you’re required to get them PCP.
The deadline to get PCP for all your eligible MWs is until 31 March 2023 — even if their renewal is after 31 March 2023.
You’re NOT required to buy PCP if you have migrant workers holding a Work Permit or S Pass living in a community and working in a non-CMP sector.
It costs from $108 to $138 a year, depending on the sector your MW lives in. The annual cost is payable in monthly instalments via GIRO only.
So, how do you know what the PCP cost is for your specific MWs?
Well, just look at the first 2 digits of their resident postal code. And contact the AO in charge of your sector to buy PCP (will cover more details in the next section).
Also, the Ministry of Manpower (MOM) has divided areas in Singapore into 6 sectors and appointed 6 Anchor Operators (AO) to manage each sector.
Here’s the breakdown:
Find out about each AO:
Now, this is for you if you want to know more about the nitty gritty part.
You’ve determined the annual cost you need for your MWs.
Here’s an example if the annual cost is $108.
And they’ll ask for the following information:
Send the information and StarMed will guide you through the process.
Provide the following details to [email protected] for verification:
Then an Account Manager will guide you through the process.
Additionally, you’ll need 2 documents to onboard:
Go to http://pcp.fullertonhealth.com/ to register your company and MWs. Then, you’ll need to submit a letter of authorization and to download a GIRO Form to complete the registration.
Once the registration application is processed, you may begin to enrol all eligible MWs once the platform is fully rolled out.
There are no exact steps provided by St Andrew’s Mission Hospital. For now, employers need to register by contacting them via phone (8126 9758) or email ([email protected]).
Yes, there’s a co-payment involved.
For each visit to the medical centre, workers are required to pay $5.00. For telemedicine service, it’ll be $2.00.
The short answer is Yes.
The long answer is:
If you’ve already purchased inpatient or hospitalisation insurance for your eligible MWs, PCP is still a mandatory requirement. Because it doesn’t cover inpatient care. PCP covers only outpatient primary care.
If your eligible MWs already have outpatient insurance, you’ll also have to buy PCP for them.
MOM suggests reviewing the medical care coverage for your MWs and exploring ways to save costs without paying for redundancy (will cover how to do this in the next section).
You might have realised that some services covered by PCP overlaps with your existing medical insurance (called benefits plan - if you are using Mednefits).
However the areas where PCP lacks can still be covered by your medical insurance (benefits plan).
For instance, PCP covers specific medical services obtained from clinics in your designated sector. As such, visits to other clinics will not be covered.
In this case, companies with a more comprehensive medical benefits plan via Mednefits can still support their MWs healthcare costs. As for companies which have their own medical insurance, you will need to check with your insurer on the coverage.
And, remember there’s a co-pay involved? If you’re using Mednefits, you can claim that $5 or $2 co-pay as a non-panel claim. Meaning, your MWs don’t have to fork out a single cent.
Got more questions on PCP? Go to PCP FAQs to get your questions answered. Or if you prefer a personal touch, contact your designated AO.
Links to each AO: