Employees FlexCare


Take care of your employees’ well-being and they will take care of your business. As a business owner, your employees are your most valuable assets. Keep them healthy, happy and loyal by protecting them with Employees FlexCare, a flexible group employee benefits insurance that can be customised to suit your budget and employees’ needs.

Hospital and surgical bill for Group Hospital and Surgical plan
Death and total permanent disability for Group Term Life plan
Death and permanent disability due to an accident for Group Personal Accident plan
Flexibility to mix & match coverage
Coverage for employees under different occupational classes
Extension of cover to your employees' spouse and children
Premiums are based on portfolio underwriting
Terms & Conditions
Your company must have a minimum of 3 employees
Your employees must be working on full-time basis
Maximum age for cover is 69 years old (age last birthday) for all main plans and riders except for Group Critical Illness plan where maximum age for cover is 64 years old (age last birthday)
Maximum renewable age of up to 72 years old (age last birthday) for Group Hospital and Surgical, Group Personal Accident, Group Major Medical, Group Outpatient Primary Care and Group Outpatient Specialist Care.

Important Notice

This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).