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Comprehensive coverage with flexible options for Small and Medium Enterprises (SMEs) with Employees FlexCare.
As a business owner, your employees are your most valuable assets. Keep them healthy, happy and loyal by protecting them with Employees FlexCare, a customisable group employee benefits insurance that can be tailored to suit your budget and employees’ needs.
Here’s what you get with Employees FlexCare.
24-hour worldwide[1] protection with comprehensive coverage that includes Group Hospital and Surgical, Group Term Life and Group Personal Accident.
Customisable plans to suit your budget and employees’ needs.
Premium rates are determined by the entire Employees FlexCare portfolio. With portfolio underwriting, your premiums will not be directly impacted by increased claims made by your employees.
Application is hassle-free through our online application portal. Outpatient claims are made easy through digital submission via mobile app or online portal.
Enjoy cashless[2] outpatient consultation at Income’s extensive network of panel of General Practitioner (GP) and Specialist clinics (with referral letter from panel GP or Specialist).
Customise your coverage based on your employees’ needs.
Take care of your employees’ well-being and they will take care of your business. Mix and match the coverage with different levels of protection available across three main plans and its riders. View the main plans and riders’ full coverage tables here.
Group Hospital and Surgical
- Covers eligible medical expenses incurred as a result of hospitalisation, surgery or accident.
- Includes option to purchase add-on riders: Group Outpatient Primary Care, Group Outpatient Specialist Care and Group Dental.
Group Term Life
- Covers death.
- Covers total and permanent disability (TPD before age 65).
- Includes option to purchase add-on rider: Group Critical Illness – Accelerated that provides lump sum payout upon diagnosis of any of the 37 specified Critical Illness.
Group Personal Accident
- Covers accidental death, permanent disablement due to accident and accidental medical expenses.
Your policy toolkit
Who this plan is for
To apply for the plans and riders, your company must have at least 2 full-time employees. This product is not applicable to employees holding a Work Permit or S Pass issued by Ministry of Manpower.
The eligible age for your employee’s cover is up to 69 years old (age last birthday) for all main plans and riders. For Group Hospital and Surgical, Group Major Medical, Group Personal Accident, Group Outpatient Primary Care rider, Group Outpatient Specialist Care rider and Group Dental Rider, cover is renewable up to 75 years old (age last birthday).
Brochures
Other documents
Your queries answered.
Yes, if you allow the dependants to take up this plan, it will be compulsory to all eligible employees under the same occupation category or basis of coverage. The plan type for the dependants should not be higher than the employees’ plan type.
For GOPC and GOSC, dependants must take up these riders if they are purchased for the employees.
You can refer to the following table for the eligibility age for cover for your employees.
| Product | Full Time Employee | Spouse | Child |
|---|---|---|---|
| Group Hospital and Surgical | 69 years old and below, renewable up to 75 years old(age last birthday) | 15 days to 24 years old, provided that the child is unmarried and unemployed, and not enlisted in full time National Service | |
| Group Outpatient Primary Care Rider | |||
| Group Outpatient Specialist Care Rider | |||
| Group Dental Rider | |||
| Group Personal Accident | |||
| Group Term Life | 16 to 69 years old (age last birthday) | ||
| Group Critical Illness Rider | |||
You will need a minimum of two employees to be eligible for this plan. This is also applicable for the rider chosen.
Yes, the same selected plan type will apply to all employees under the same occupation category.
For GHS plan, pre-existing conditions are excluded for the first 12 months of continuous coverage except for pre-existing cancer or kidney conditions for which the conditions will be permanently excluded.
For GMM and GTL plans, pre-existing conditions are excluded for the first 12 months of coverage.
For GCI plan, pre-existing conditions are permanently excluded.
Yes, if your employee is admitted to a higher ward and/or hospital type, pro-ration factor will apply to day surgery, inpatient admission and post-hospitalisation treatment.
| Private Hospital | Restructured Hospital |
| All Bed Types – 60% | Single Bed – 75% |
Please present his/her Outpatient Medical Card and National Registration Identity Care (NRIC) or work pass upon registration.
Please note that if your employee fails to present these documents, the clinic will collect cash from your employee and we will reimburse the claim based on non-panel benefit limit.
Yes, referral letter is required from the Registered Medical Practitioner. Please make a copy of the referral letter and present it to the panel Specialist or Specialist Outpatient Clinics in Restructured Hospital upon visitation.
No, employees in all occupation categories must be covered under the same plan type.
Yes, your employee will have to pay for the surcharge as GOPC and GOSC do not cover for the surcharge levy by the panel clinics.
You may purchase online and make payment to effect the cover.
The premiums are based on portfolio underwriting. It will be reviewed based on the entire portfolio’s total premium and total claims. Any change in premium rates will apply to all policyholders of Employees FlexCare policies.
Understand the details
[1] Cover will cease if insured member resides outside Singapore for more than 180 days per trip.
[2] Upon presentation of outpatient e-medical card at the respective panel General Practitioner and Specialist clinics.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions 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 advisor. 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 plan does not have any cash value.
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 Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 14 January 2026
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