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Employee Health Benefits Insurance in Singapore

Starting from just $16/month, per employee.

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Employee Health Benefits Insurance can be configured to pay for hospital treatment, GP/specialist visits, dentist visits, lump-sum payouts after accidents, and more.

An Employee Health Benefits plan can cover a wide variety of medical costs: hospitalisation fees, GP visits, dentist visits, eyecare visits, and more. Plans can be customised to offer a low level of basic coverage, or to offer generous coverage that would rival even the most premium of private health insurance plans.


Given the high cost of healthcare in Singapore, a good Employee Health Benefits plan is a great way for businesses to attract new employees, retain existing ones, and reward them for their hard work. When designed well, Employee Health Benefits plans are a powerful way to ensure your staff do their very best, and are happy working with your company. 

What Does Employee Health Benefits Insurance Cover?

Base cover:


  • Hospitalisation and Surgery costs (i.e. inpatient costs): Pays for hospitalisation and surgery costs – e.g. due to illnesses like cancer, treatment following an accident, etc.

Add-on covers:


  • Outpatient GP visits: Pays for GP costs for flu, cold, etc.
  • Outpatient Specialist visits: Pays for Specialist costs for consultation, medication, MRIs, etc.
  • TCM visits: Pays for TCM treatment.
  • Dentist visits: Pays for basic dental work like cavity filling, scaling, polishing, etc.
  • Eye Care visits: Pays for optician consultation, and new glasses when required.
  • Group Life Insurance: Life insurance offered at discounted rates.
  • Group Personal Accident payout: Lump-sum cash payout after an accident. 
  • Group Critical Illness: Lump-sum cash payout if diagnosed with specified critical illness, e.g. cancer.

What Does Employee Health Benefits Insurance Not Cover?

When you first purchase an Employee Health Benefits plan, the plan will usually come with a mandatory “waiting period” (e.g. 6 or 12 months). During this “waiting period”, you cannot file any medical expense claims. This is to prevent medical expense fraud.

A common question we get from clients concerns the different between Employee Health Benefits vs WICA Insurance. An Employee Health Benefits plan is not a substitute for Work Injury Compensation Insurance (WICA Insurance). WICA Insurance is legally compulsory for i) manual workers, and ii) any worker who earns <$2,100/month, regardless of job scope. 

Do I Need Employee Health Benefits Insurance?

This type of insurance is helpful if:

  • You want to offer attractive benefits to retain & motivate your employees, and attract new hires.
  • You want to help your employees get back to work quickly. Cash payouts will greatly help your workers with medical expenses.
  • You want to be seen as a caring employer, making sure your employees and their families are well looked after in case of unfortunate accidents.

What Is The Minimum Group Size For Employee Health Benefits?

The minimum group size is only 2 employees, which makes it perfect even for small companies looking for health insurance coverage.

How Much Employee Health Benefits Insurance Do I Need?

It depends on various key factors:
  • Intended goals of having employee health benefits (e.g. offering basic staff welfare, or wanting premium plans to attract/retain the best talent)
  • Company size
  • Average age of employes

Given the complexity of Employee Health Benefits, it’s recommended to speak with one of our experts who can advise you on the best plan for your needs.

How Much Does Employee Health Benefits Insurance Cost?

Premiums will generally start from $16/month, per employee for a basic level of coverage. Premiums will vary depending on the level of coverage chosen, and the average age of your employees.

Get Employee Health Benefits Insurance quotes, starting from $16/month, per employee.

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