Migrant Worker Primary Care Plan

Singapore's Primary Care Plan (PCP) provides affordable and accessible primary care for migrant workers through appointed Anchor Operators (AOs). It was introduced in 2022; the enhanced model begins on 1 April 2027. Employers pay an annual capitation fee to an AO, which entitles enrolled workers to a defined range of primary-care services at designated clinics. The PCP is separate from the Migrant Workers' Engagement Grant, which supports social and recreational engagement rather than medical care (MOM, 6 August 2026; MOM, 14 December 2025).

Coverage and eligibility context

The PCP is mandatory for Work Permit and S Pass holders who reside in dormitories or work in the Construction, Marine shipyard and Process sectors; employers in other sectors can also enrol eligible Work Permit and S Pass holders. The applicable coverage and opt-out rules depend on the worker's pass, residence, sector and any qualifying comparable corporate healthcare coverage, so employers should check MOM's current guidance before treating enrolment as universal (MOM, 14 December 2025).

The PCP is an employer-funded primary-care arrangement for enrolled workers, not a general replacement for Singapore's entire healthcare system. MOM describes the plan as covering physical and telemedicine consultations for acute or chronic conditions at a fixed annual capitation rate, with workers enrolled to an AO serving the geographical zone where they live. This arrangement is intended to make care more accessible near dormitories and to support continuity with the assigned provider; it does not mean that every worker has the same pass, residence or sector status (MOM, 14 December 2025).

MOM reported that more than 96% of workers expressed satisfaction with AO services and 92% of migrant workers reported that medical care was accessible and convenient, based on its May 2025 Survey of Patient Reported Service, Quality and Outcome. These are survey results for the stated reference population and period, not a guarantee of future satisfaction or a measure of the number of workers enrolled in the 2027 model (MOM, 6 August 2026).

Enhanced model from 1 April 2027

MOM has appointed four Anchor Operators for the enhanced PCP's North, South, East and West zones: SATA CommHealth, St Andrew's Mission Hospital, Healthway Medical Group and Fullerton Health respectively. The four-zone model consolidates the current six geographical zones. The appointed operators will provide services for five years from 1 April 2027, subject to the programme's live operating arrangements (MOM, 6 August 2026).

The AO assignments are North—SATA CommHealth, South—St Andrew's Mission Hospital, East—Healthway Medical Group and West—Fullerton Health. MOM says the East, West and North operators were selected through a Request for Proposal using cost, clinic-network strength, service capabilities and operational processes; St Andrew's Mission Hospital will operate the South zone under its existing philanthropy-led partnership with MOM. The appointments describe the planned delivery structure from 1 April 2027, not evidence that all four operators had already delivered the enhanced model when appointed (MOM, 6 August 2026).

MOM's annex estimated that the planned North, South, East and West arrangements would serve about 120,000, 80,000, 90,000 and 100,000 migrant workers respectively, based on the AOs' proposals. Those are estimated workers served by zone, not a national migrant-worker population total or a promise that every worker will use a particular clinic; the annex also says locations based on proposals are subject to further change (MOM, 6 August 2026).

Co-payments, capitation and access

From 1 April 2027, physical clinic and telemedicine consultations under the enhanced PCP will have a standard S$5 co-payment per consultation. MOM announced annual capitation rates of S$97 to S$113 per worker per year, compared with the current S$108 to S$138 range; this is an employer-facing annual rate, not a charge paid by every worker at each visit. Most workers are expected to have access to a PCP clinic within 2 km of where they live, compared with 3 km today. The exact rates, clinic locations and service arrangements remain subject to the enhanced PCP's current terms and operator implementation (MOM, 6 August 2026).

Administrative changes

MOM plans a PCP Enrolment Portal from 1 April 2027 so employers can enrol workers and track PCP status across zones and AOs through one platform. The AOs will also enhance appointment-booking systems so migrant workers can book, modify or cancel appointments at their assigned PCP clinics in advance. These changes address administration and access; they do not remove the need to verify a worker's eligibility, assigned zone, clinic and current service terms (MOM, 6 August 2026).

The portal is intended to replace the need for employers to navigate different enrolment and dis-enrolment processes administered by different AOs. It will provide a central dashboard for worker PCP status across zones and AOs, while the AO booking systems are intended to reduce waiting time by allowing workers to manage appointments at assigned clinics in advance. These are announced administrative functions; they do not establish that an employer can enrol any worker regardless of pass or sector, or that an appointment is available without checking the AO's current system (MOM, 6 August 2026).