Effective date and scope
Standardised allowable exclusions apply to policies, renewals or extensions effective on or after 1 July 2025. Insurers may exclude only the listed treatments, procedures, conditions and activities in WP/S Pass medical insurance.
An allowable exclusion does not mean every policy excludes it or that treatment should be avoided. Read the official requirements with actual policy wording. All items a–cc and their qualifications are retained below.
Group A: Elective and non-essential treatment
The table retains every allowable exclusion in this group and its qualifications.
| Item | Allowable exclusion |
|---|---|
| a | Ambulance fees |
| b | Cosmetic surgery for self-beautification |
| c | Dental care not necessitated by an accident |
| d | Vaccinations |
| e | Contraceptive procedures and related complications |
| f | Assisted conception and infertility/sub-fertility treatment, including related complications |
| g | Sex-reassignment surgery and related complications |
| h | Related outpatient expenses after the seventh calendar day following medical certification of fitness for discharge and assessment of a feasible discharge option |
| i | Optional items unnecessary for treatment such as television, telephone and specially requested meals |
| j | Screening/tests unrelated to inpatient care or day surgery |
| k | Preventive treatment |
Group B: Treatment resulting from employer/worker acts
The table retains every allowable exclusion in this group and its qualifications.
| Item | Allowable exclusion |
|---|---|
| l | Injury/condition caused by employer malicious, unlawful or wilful acts; for domestic workers this also includes employer family acts |
| m | Injury/condition arising from the employee’s criminal act |
| n | Pregnancy, childbirth including caesarean delivery, abortion and related complications |
| o | Voluntary hazardous sports, including skiing/snowboarding, snorkelling/diving, helicopter tours/paragliding and car/motorcycle racing |
| p | Injury/condition arising directly or indirectly from nuclear fallout |
| q | War, war-like situations, civil war, mutiny, rebellion, revolution or terrorism |
| r | Treatment of sexually transmitted diseases, AIDS or AIDS Related Complex |
| s | Injury/condition arising from controlled-drug addiction |
| t | Second or later treatment for the four categories described below |
Item t: Only the second or subsequent occasion
Item t permits exclusion only on the second or subsequent occasion for four categories: alcohol or non-controlled-drug addiction; voluntary participation in a strike, riot or civil commotion; attempted suicide, self-inflicted injury or attempted self-injury; and psychiatric, nervous or mental disorders.
For unrest and self-harm, the wording applies whether or not it arises from the same event or attempt. Retain the second-or-subsequent qualification rather than claiming all mental-health or self-injury treatment is excluded.
Group C: Other allowable exclusions
The table retains every allowable exclusion in this group and its qualifications.
| Item | Allowable exclusion |
|---|---|
| u | Known pre-existing conditions during the first twelve months with the same employer, known to employer or employee before cover commenced |
| v | Birth defects, congenital abnormalities, hereditary conditions and related complications |
| w | Treatment outside Singapore |
| x | Private nursing fees |
| y | Medical-equipment purchases |
| z | Medical repatriation |
| aa | Outpatient physiotherapy/occupational/speech rehabilitation, unless recommended by a practitioner during day surgery or hospitalisation |
| bb | Traditional, complementary or alternative medicine |
| cc | Treatment reimbursed by required WICA2019 work-injury insurance or other insurance |
Qualifications to retain
Item h requires both fitness for discharge and a feasible discharge option, beyond seven days. Item u is limited to the first twelve months with the same employer and prior knowledge. Item aa preserves the practitioner-recommended exception during inpatient/day-surgery care. Item cc concerns reimbursement already received from another insurance.
Official source
Written independently from official MOM source material.