From the Gov web page.
"As of January 11, 2021 the government of Sint Maarten will be implementing a mandatory COVID-19 insurance for all travelers visiting Sint Maarten with the exception of residents, transit passengers, flight crews and French nationals. The insurance purchasing process is an integrated step in the EHAS application. For more information on and all questions related to the COVID-19 insurance please visit https://www.sxmprotectionplan.com or contact customer support at info@sxmprotectionplan.com"