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Here’s how Group Hospital and Surgical Insurance protects your employees.
Eligible hospital and surgical expenses[1] will be covered up to the specified limits of your chosen plan under Inpatient Care benefit.
Mix and match the coverage to suit your employees’ needs with the option of adding coverage for outpatient primary and specialist expenses.
Your employees can make unlimited visits to our island-wide panel GP clinics. Emergency visits to the Singapore hospital A&E department are also covered.
Visits to our panel specialists are covered on a cashless basis (a referral letter from our panel registered medical practitioner is required). These include specialised investigations such as Barium studies and CT and MRI scans.
Need more protection?
Enhance your coverage with a rider.
Your employees will be covered for: Outpatient kidney dialysis and cancer treatment Overseas hospitalisation expenses incurred due to accident while your employee is travelling outside Singapore Cost of surgical implants Rehabilitation benefit
Your employees can get enhanced coverage for: Consultations with overseas GP/specialist Consultations with non-appointed specialists other than our panel of specialists Traditional Chinese Medicine (TCM) Outpatient physiotherapy treatment
Get actual premium rates and coverage that is tailored to your company’s needs.
Your policy toolkit
Eligibility
To apply for this plan, companies or associations must be registered in Singapore.
Your queries answered.
Companies or associations can purchase Group Hospital & Surgical Insurance for their employees or members to take care of their inpatient and outpatient medical needs.
You can insure all your full-time employees or members of your association and their dependants. In the case of insuring your employees, they need to be on the payroll of a Singapore registered company.
Yes, the cover should be compulsory for all employees within the same job category (e.g. All Executives) or members (e.g. All Committee Members) under the same category. If the policy is extended to cover dependants, all eligible dependants of employees within the same job category or members under the same category should be covered.
The period of insurance is one year from the date of commencement or as stated in the policy contract.
The Inpatient Care benefit is available as a standalone plan, with the option of adding coverage for outpatient expenses. The Company can choose to add Outpatient (Primary and Specialist) Care benefit or just Outpatient (Primary) Care benefit.
No, costs of vaccinations, health screenings and routine check-ups are not covered under Group Hospital & Surgical Insurance
No, it is subject to yearly review.
No, the premium rates, terms and conditions are not guaranteed. Income reserves the right to review and change the premium rates, terms and conditions from time to time if there is a substantial change in the risks or at each renewal.
Understand the details
[1] Subject to plan limits, precise terms, conditions and exclusions of this plan specified in the policy contract.
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 policy 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 24 December 2025
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