Medical Expenses Paid By Employer

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Medical Expenses Paid By Employer – 1 OSI Questions Asked: Employer’s Medical Obligations for Foreign Worker Pass Holders (I) Q1 A1 Medical obligations under the Employment of Foreign Workers Act What are the medical obligations of employers of S Pass holders under Singapore law? There are three main rules on medical obligations that S Pass holders must comply with. Any private contractual agreement between employer and employee, company regulations or employee terms and conditions cannot override legal obligations. First, according to the regulations on the employment of foreign workers, the employer bears the costs of treatment (in hospital or outpatient) of foreign workers, whether the conditions are work-related or not. Employers must: (1) purchase mandatory medical insurance of at least $15,000 for each foreign worker; It provides basic coverage for hospitalization expenses, including occupational accidents or illnesses. and (ii) incur medical expenses that exceed or are not covered by workers’ compensation or health insurance. Second, if an employee is injured in a workplace accident or suffers from a work-related illness, they can make a claim under the Workers’ Compensation Act (WICA). Under WICA, his employer must pay workers’ compensation benefits, including sick leave pay and medical expense coverage, up to the limits set forth in WICA. To help employers manage potential costs, employers of manual workers (regardless of wage level) and non-manual workers who earn $1,600 or less per month must purchase workers’ compensation insurance (WIC). For other employees, employers may choose to assume the risk themselves. Employers are strongly encouraged to purchase WIC insurance for all of their employees to reduce their exposure. Finally, employers of foreign workers covered by the Employment Act must provide paid leave, including dental leave, if the leave is approved by a company doctor or a government doctor (including doctors in limited government institutions). The amount of paid sick leave that an employee is entitled to under employment law varies depending on how long he or she has been with the employer. Q2 A2 What is the employer’s reason for providing and conducting medical treatment for S Pass employees? Since employers of foreign workers directly benefit from the employment of such workers in the short term, they must bear all costs related to the upkeep and maintenance of their workers, including any medical treatment deemed necessary by a medical or dental professional. the health

2 their S Pass employees. This requirement is clearly stated when employers ask for job cards. This ensures that foreign workers’ bills are not paid and are instead passed on to our taxpayers, which is unfair to society as a whole. Q3 A3 Q4 A4 Is the employer’s liability limited to medical bills related to hospitalization and surgery for the pass holder? Does it include the costs of outpatient treatments? According to the regulation of employment of foreign workers, the employer is responsible for the hospital and outpatient treatment of S Pass holders. Why is the minimum required medical insurance coverage for S Pass holders set at $15,000 per year for day hospital and surgical care? The insurance coverage is set at the basic level so that the premiums are affordable. Currently, $15,000 covers more than 95 percent of foreign workers’ medical bills. However, we encourage employers to take out higher insurance coverage beyond the minimum requirement if they want more protection and peace of mind. 5.G. What if my S Pass holder’s medical expenses are more than $15,000 covered by insurance? Can I ask my employee to pay part of his medical expenses? A5 Under the Employment of Foreign Workers Regulations, employers must cover the full cost of medical treatment for their S Pass holders, beyond what can be covered by medical insurance or any other insurance. For hospital treatment expenses other than occupational accidents, according to the Employment of Foreign Workers Regulations, MOM allows commercial employers to pay part of their medical bills to S Pass holders, subject to the following conditions: (i) medical treatment for Hospitalization costs. not related to work; (ii) The employee may pay only a portion of the hospital treatment costs of patients in excess of the $15,000 medical insurance minimum. (iii) Subject to clause (ii), the portion of medical hospitalization expenses payable by the employee is reasonable and does not exceed 10% of the employee’s fixed monthly salary. (iv) The contribution payment period should not exceed 6 months. and (v) any partial payment arrangement requires the employee’s consent, which must be specifically stated in the employee’s employment contract or collective agreement. Any private contractual agreement between employer and employee, company rulebook or employee terms and conditions must comply with the above guidelines and cannot override legal obligations.

Medical Expenses Paid By Employer

Medical Expenses Paid By Employer

3 Q6 A6 Is there a limit to which district class I can send my foreign worker? The category in which your foreign worker can be admitted depends on the availability of hospital beds at that time. Employers may also want to consider the actual benefits offered by your foreign worker insurance, including regional class limits, and arrange treatments that match your level of coverage and financial situation. Q7 A7 How do the medical insurance requirements for S Pass holders differ from other employer-sponsored insurance requirements? Health insurance provides basic coverage for hospitalization and surgical expenses, including non-work related conditions. In contrast, workers’ compensation insurance (WIC) covers medical expenses and other compensation (ie, sick pay, compensation) resulting from work-related accidents or illnesses, as outlined in the Workers’ Compensation Act. Q8 A8 Can employers recover or deduct the cost of medical insurance or treatment for foreign workers? Can employers arrange for their foreign workers to pay part of their medical expenses, for example, as part of their employment conditions? According to the employment of foreign workers (work permit) regulations, employers must bear all medical expenses of foreign workers. Employers may not deduct or recover the cost of foreign workers’ medical insurance premiums, workers’ compensation insurance premiums, or any portion of medical treatment benefits for claims resulting from foreign workers’ occupational accidents. For hospital treatment expenses other than occupational accidents, according to the Employment of Foreign Workers Regulations, MOM allows commercial employers to reimburse part of their medical bills to non-domestic foreign workers, subject to the following conditions: (1) Medical treatment for foreign workers Hospitalizations are not related to work; (ii) The employee may pay only a portion of the hospital treatment costs of patients in excess of the $15,000 medical insurance minimum. (iii) Subject to clause (ii), the portion of medical hospitalization expenses payable by the employee is reasonable and does not exceed 10% of the employee’s fixed monthly salary. (iv) The contribution payment period should not exceed 6 months. and (v) any partial payment arrangement requires the employee’s consent, which must be specifically stated in the employee’s employment contract or collective agreement.

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4. Any private contractual agreement between the employer and the employee, the company’s rule book or the employee’s terms and conditions must follow the above guidelines and cannot ignore the legal obligations. Q9 A9 What are the penalties for employers of S Pass holders who do not fulfill their medical obligations? Under the Employment of Foreign Workers (Work Permit) Regulations, it is an offense to not pay or not to pay for the medical treatment of an S Pass holder. If convicted, offenders face fines of up to $10,000 and/or up to 12 months in prison. 10.G. If the S Pass holder needs dental treatment, is the employer obliged to provide and bear the cost of that treatment? A10 Q11 A11 Under the Employment of Foreign Workers (Work Permits) Regulations, employers are responsible for the costs of providing medical services determined by a medical or dental professional to be necessary for the health of their S Pass workers, regardless of these conditions. They are work-related. This includes dental treatment determined by a medical or dental professional to be necessary for the employee’s health. If an S Pass holder incurs the costs of a medical procedure, such as a purely cosmetic treatment, is the employer required to provide and cover the cost of that treatment? No, the employer is not responsible for the costs of procedures that are not necessary for the employee’s health as determined by a medical professional. 12.G. If the S Pass holder needs long-term medical care, is the employer required to cover the entire cost of the treatment? If A12 S passes

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