{"id":3669,"date":"2023-05-23T14:22:03","date_gmt":"2023-05-23T06:22:03","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=3669"},"modified":"2023-06-15T10:55:57","modified_gmt":"2023-06-15T02:55:57","slug":"enhanced-medical-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/enhanced-medical-insurance-coverage\/","title":{"rendered":"Enhanced Medical Insurance Coverage for S Pass and Work Permit Holders in Singapore: What You Need to Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Ministry of Manpower (MOM) in Singapore has recently implemented <\/span><a href=\"https:\/\/www.mom.gov.sg\/-\/media\/mom\/documents\/press-releases\/2023\/annex_implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers.pdf\"><span style=\"font-weight: 400;\">enhanced medical insurance requirements<\/span><\/a><span style=\"font-weight: 400;\"> for Work Permit and S Pass holders, aimed at providing greater protection for workers and alleviating financial burdens on employers due to rising medical costs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The enhanced MI requirements are compulsory for all new and existing <\/span><a href=\"https:\/\/www.mom.gov.sg\/passes-and-permits\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">S Pass and Work Permit (including Migrant Domestic Workers) holders<\/span><\/a><span style=\"font-weight: 400;\"> and apply for all MI policies, renewals, and extensions starting from July 1, 2023, for Stage 1 requirements and July 1, 2025, for Stage 2 requirements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Employers must understand these changes to provide adequate coverage. In this <\/span><a href=\"https:\/\/www.pacificprime.sg\/\"><span style=\"font-weight: 400;\">Pacific Prime Singapore<\/span><\/a><span style=\"font-weight: 400;\"> article, we take a closer look at the latest developments and their implications.\u00a0<\/span><\/p>\n<p><em><span style=\"font-weight: 400;\">Want to learn more about the three types of work passes in Singapore? Check out this <\/span><\/em><a href=\"https:\/\/www.pacificprime.sg\/blog\/guide-singapore-work-permits-s-pass-and-employment-pass\/\"><em><span style=\"font-weight: 400;\">guide to Singapore Work Permits, S Pass, and Employment Pass (Updated 2023)<\/span><\/em><\/a><em><span style=\"font-weight: 400;\">.\u00a0<\/span><\/em><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-4' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/plans\/group-health-insurance\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=corporate\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-775\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2024\/07\/SEO-Baner-Corporate.webp\" alt=\"Corporate insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><strong>Changes to Medical Insurance Coverage for Foreign Workers in Singapore\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Effective July 1, 2023, Singapore\u2019s MOM will <\/span><a href=\"https:\/\/www.mom.gov.sg\/newsroom\/press-releases\/2023\/0331-implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">implement new regulations to enhance the mandatory medical insurance (MI)<\/span><\/a><span style=\"font-weight: 400;\"> for S Pass and Work Permit (including migrant domestic workers) holders in two stages.\u00a0<\/span><\/p>\n<table border=\"1\">\n<tbody>\n<tr style=\"height: 71px;\">\n<td style=\"height: 71px;\"><strong>To implement for MI policies, renewals or extensions with start date effective from<\/strong><\/td>\n<td style=\"height: 71px;\"><strong>Enhanced MI requirements<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 71.5px;\">\n<td style=\"height: 71.5px;\"><span style=\"font-weight: 400;\">1 July 2023 (Stage 1)<\/span><\/td>\n<td style=\"height: 71.5px;\"><span style=\"font-weight: 400;\">Introduction of a co-payment element* for employers and insurers for claim amounts above SGD $15,000, up to an annual claim limit of at least SGD $60,000<\/span><\/td>\n<\/tr>\n<tr style=\"height: 86px;\">\n<td style=\"height: 86px;\"><span style=\"font-weight: 400;\"> 1 July 2025 (Stage 2)<\/span><\/td>\n<td style=\"height: 86px;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Standardization of allowable exclusion clauses<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Requirement for insurers to reimburse hospitals directly upon the admissibility of the claim<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em><span style=\"font-weight: 400;\">*Co-payment of 75% by insurers (and 25% by employers) for claim amounts above the first SGD $15,000.<\/span><\/em><\/p>\n<p><strong>Source: <\/strong><a href=\"https:\/\/www.mom.gov.sg\/faq\/work-permit-for-foreign-worker\/how-would-i-be-affected-by-the-enhanced-mi-requirements-announced-by-mom-on-31-mar-2023\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">MOM<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><strong>A Closer Look at the Enhanced Medical Insurance Requirements<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">The MOM\u2019s enhanced MI requirements aim to provide foreign workers with access to comprehensive medical treatment and care, with changes that include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Increased coverage and co-payment requirements<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Standardization of exclusions and direct reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Introduction of age-differentiated premiums<\/span><\/li>\n<\/ul>\n<h4><strong>Increased Coverage and Co-payment\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Under the new requirement, the minimum annual claim for medical insurance coverage has been raised to at least SGD $60,000, a significant increase from the previous limit of SGD $15,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This higher coverage ensures that S Pass and Work Permit holders have access to adequate financial protection, allowing them to receive medical treatment, surgeries, and other healthcare services as needed without worrying about hefty medical bills.\u00a0<\/span><\/p>\n<h5><strong>Co-payment\u00a0<\/strong><\/h5>\n<p><span style=\"font-weight: 400;\">Employers will also be required to co-pay 25% of claim amounts exceeding the initial SGD $15,000. This means that if a worker incurs a medical bill of SGD $60,000, the employer will have to contribute SGD $11,250 (25% of SGD $45,000), while the insurer will cover the remaining SGD $48,750.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The image below illustrates four scenarios provided by the MOM, comparing the co-payment between employers and insurers for current and enhanced MI.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3670 size-full\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2023\/05\/MOM-Claim-Illustration-Example.jpg\" alt=\"MOM Claim Illustration Example Chart\" width=\"710\" height=\"423\" srcset=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2023\/05\/MOM-Claim-Illustration-Example.jpg 710w, https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2023\/05\/MOM-Claim-Illustration-Example-300x179.jpg 300w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/><strong>Source:<\/strong> <a href=\"https:\/\/www.mom.gov.sg\/-\/media\/mom\/documents\/press-releases\/2023\/annex_implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">MOM<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The co-payment system ensures that employers and insurers share responsibility, reducing the financial burden on both parties.\u00a0<\/span><\/p>\n<h4><strong>Standardization of Exclusions and Direct Reimbursement\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Starting from July 1, 2025, the MOM is introducing further changes to enhance the efficiency and transparency of medical insurance processes for S Pass and Work Permit holders.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The standardization of <\/span><a href=\"https:\/\/www.mom.gov.sg\/-\/media\/mom\/documents\/press-releases\/2023\/annex_implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">allowance exclusion clauses<\/span><\/a><span style=\"font-weight: 400;\"> will provide clarity to employers and workers, ensuring both parties have a clear understanding of medical expenses coverage and eligible claims.\u00a0<\/span><\/p>\n<h5><strong>Direct reimbursement\u00a0<\/strong><\/h5>\n<p><span style=\"font-weight: 400;\">Direct reimbursement will also be <a href=\"https:\/\/www.mom.gov.sg\/-\/media\/mom\/documents\/press-releases\/2023\/annex_implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers.pdf\" target=\"_blank\" rel=\"noopener\">introduced from July 1, 2025<\/a>, which means insurers will have to <\/span><span style=\"font-weight: 400;\">reimburse hospitals directly upon the admissibility of the claim<\/span><span style=\"font-weight: 400;\">. Likewise, employers won\u2019t have to pay upfront and seek reimbursement later.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Direct reimbursement will not only help simplify the claims process and reduce administrative burdens but also ensure that foreign workers can access healthcare services without delay.<\/span><\/p>\n<h4><strong>Age-differentiated Premiums<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Effective from July 1, 2025, <\/span><a href=\"https:\/\/www.mom.gov.sg\/-\/media\/mom\/documents\/work-passes-and-permits\/insurers-offering-enhanced-mi-products.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">insurers in Singapore<\/span><\/a><span style=\"font-weight: 400;\"> are required to offer age-differentiated premiums for workers aged 50 and below, as well as those above 50. This change ensures affordability for younger workers, who make up the majority of the migrant workforce.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Along with giving younger workers access to essential medical insurance without excessive financial burden, age-differentiated premiums also benefit older workers by taking their specific health needs and risks into account. This allows them to secure adequate medical coverage without facing high costs due to their age.\u00a0<\/span><\/p>\n<h2><strong>Understanding the Implications for Employers in Singapore\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">The regulatory change by the MOM in Singapore has raised the minimum coverage limit for medical insurance for S Pass and Work Permit holders from SGD $15,000 to SGD $60,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As employers in Singapore bear legal responsibility for the cost of medical treatment for foreign workers, complying with this revision is imperative to avoid regulatory non-compliance.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Medical Insurance Requirements for Foreign Workers in Singapore\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.mom.gov.sg\/passes-and-permits\/work-permit-for-foreign-worker\/sector-specific-rules\/medical-insurance\"><span style=\"font-weight: 400;\">MOM<\/span><\/a><span style=\"font-weight: 400;\">, all employers in Singapore must provide medical insurance for foreign workers who are S Pass or Work Permit holders. Similarly, the cost of medical insurance cannot be passed on to employees, and insurance details must be submitted <\/span><a href=\"https:\/\/www.mom.gov.sg\/eservices\/services\/wp-online-for-businesses-and-employment-agencies\"><span style=\"font-weight: 400;\">online<\/span><\/a><span style=\"font-weight: 400;\"> in advance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.mom.gov.sg\/passes-and-permits\/work-permit-for-foreign-worker\/sector-specific-rules\/medical-insurance\/\"><span style=\"font-weight: 400;\">medical insurance requirements<\/span><\/a><span style=\"font-weight: 400;\"> aim to provide foreign workers with adequate medical coverage during their employment and stay in Singapore.\u00a0<\/span><\/p>\n<h4><strong>Coverage<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Starting from July 1st, 2023, employers are required to purchase and maintain a minimum medical insurance coverage of at least SGD $60,000 per year for each S Pass and Work Permit holder. This coverage includes inpatient hospitalization, day surgery, and non-work-related accident or illness.\u00a0<\/span><\/p>\n<h4><strong>Pricing\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The cost of medical insurance depends on factors, such as length of stay, work permit type, and the insurance provider. It is advisable to discuss pricing with your insurance provider or broker and consult the MOM website for the latest information on pricing.\u00a0<\/span><\/p>\n<h4><strong>Required Documents\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The required documents for medical insurance coverage generally include the employee\u2019s personal particulars, work permit details, and proof of insurance coverage from an approved insurer. The following information should be provided:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Name of insurer<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Insurance policy number<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Insurance policy commencement date<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Insurance policy expiry date<\/span><\/li>\n<\/ul>\n<h3><strong>Recommendations for Employers<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s important to note that these changes specifically apply to employees holding S Pass and Work Permits, while those with an employee pass remain unaffected. Consequently, employers should reassess their existing inpatient and day surgery medical benefit limits for S Pass and Work Permit holders to ensure compliance with the new regulatory requirements.\u00a0<\/span><\/p>\n<p><strong>These changes are applicable to all policies, renewals, or extensions with a start date on or after July 1, 2023. However, if the policy renewal date falls before July 1, 2023, adjustments can be made during the next renewal cycle on June 30, 2024.<\/strong><\/p>\n<h2><strong>Why the New Regulations are Necessary\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">The changes to mandatory medical insurance for S Pass and Work Permit holders, effective from July 1, 2023, have a <\/span><a href=\"https:\/\/www.mom.gov.sg\/newsroom\/press-releases\/2023\/0331-implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">significant impact on employers<\/span><\/a><span style=\"font-weight: 400;\"> and group medical plans. These changes help employers in cost management, especially when they face large medical bills for which they are responsible.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The higher medical benefit limits offer employers enhanced protection by partially covering larger medical expenses incurred by their foreign employees. Currently, the coverage limit of SGD $15,000 falls short for over 5% of bills, and this proportion will only increase as medical costs rise.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By raising the annual claim limit to SGD $60,000, a greater number of medical bills will be covered, thereby reducing employers\u2019 out-of-pocket expenses. Additionally, the phased approach of these medical insurance enhancements allows for gradual adjustments by employers and insurers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As the number of insurers offering enhanced medical insurance products continues to grow, the market will become more competitive. This competition provides employers with a broader range of options to choose from.\u00a0<\/span><\/p>\n<h2><strong>How Pacific Prime Singapore Can Help\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding and complying with the new requirements while navigating insurance policies can be complex for employers and HR professionals. Fortunately, a reputable insurance broker like Pacific Prime Singapore can provide valuable assistance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our team of insurance experts can evaluate existing policies, offer suitable recommendations, <\/span><a href=\"https:\/\/www.pacificprime.sg\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">compare health insurance options<\/span><\/a><span style=\"font-weight: 400;\">, provide tailored solutions, and more to help you secure the right <\/span><a href=\"https:\/\/www.pacificprime.sg\/plans\/group-health-insurance\/\"><span style=\"font-weight: 400;\">group health insurance plan<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.sg\/contact-us\/\"><span style=\"font-weight: 400;\">Contact Pacific Prime Singapore<\/span><\/a><span style=\"font-weight: 400;\"> today to ensure you have the right coverage in place and meet the regulatory requirements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/corporate\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=corporate\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-780\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2019\/06\/PPSG_Bus_01.jpg\" alt=\"Business Insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ministry of Manpower (MOM) in Singapore has recently implemented enhanced medical insurance requirements for Work Permit and S Pass holders, aimed at providing greater protection for workers and alleviating financial burdens on employers due to rising medical costs.\u00a0 The enhanced MI requirements are compulsory for all new and existing S Pass and Work Permit &#8230;<\/p>\n","protected":false},"author":18,"featured_media":3671,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[4,2],"tags":[765,385,1125,98,766,454,566,108],"class_list":["post-3669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-group-insurance","category-insurance","tag-ban_cor","tag-business-insurance","tag-compare-health-insurance","tag-corporate-health-insurance","tag-cta_cor","tag-expat-health-insurance","tag-group-health-insurance-plan","tag-group-medical-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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Jacobs","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pacificprime.sg\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1edc551dba7ac552bdf351514b15de60?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1edc551dba7ac552bdf351514b15de60?s=96&d=mm&r=g","caption":"Jantra Jacobs"},"description":"Jantra Jacobs is a Senior Copywriter Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more. Jantra curates and reports on the results of Pacific Prime\u2019s monthly newsletters, as well as manages Pacific Prime\u2019s Deputy Global CEO\u2019s LinkedIn posts. Complemented by her background in business writing, Jantra\u2019s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is. Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.","sameAs":["https:\/\/www.linkedin.com\/in\/jantrajacobs\/"],"url":"https:\/\/www.pacificprime.sg\/blog\/author\/jantra\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/3669"}],"collection":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/comments?post=3669"}],"version-history":[{"count":3,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/3669\/revisions"}],"predecessor-version":[{"id":3697,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/3669\/revisions\/3697"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/media\/3671"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/media?parent=3669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/categories?post=3669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/tags?post=3669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}