Employees FlexCare

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.

Why you need Employees FlexCare?

Protecting your employees with comprehensive benefits keeps them healthy, happy and productive.

What does our plan cover?

Employees FlexCare offers 24-hour worldwide protection for your employees.

We also offer flexible and affordable options that suit your budget and needs, even with just 2 employees.

Where can you get our plan?

Enjoy hassle-free application when you get it online via BIX.

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.
Premiums are based on portfolio underwriting.
Hassle-free application and claims.
Cashless[2] cover at Income’s panel of General Practitioner or Specialist clinics.

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).

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.

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.

View the main plans and riders’ full coverage tables here.

Your policy toolkit.

Brochures

Employees FlexCare Brochure

Application forms

Group employee data form

Group health declaration form

Your queries answered.

Can I extend Employees FlexCare to my employees’ dependants?

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.

What is the eligible age for cover for my employees?

You can refer to the following table for the eligibility age for cover for your employees.

Product	Full Time Employee	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	16 to 69 years old (age last birthday)

What is the minimum group size to be eligible for Employees FlexCare (“this plan”)?

You will need a minimum of two employees to be eligible for this plan. This is also applicable for the rider chosen.

Print all queries

Important notes

Footnotes

Cover will cease if insured member resides outside Singapore for more than 180 days per trip.
Upon presentation of outpatient e-medical card at the respective panel General Practitioner and Specialist clinics.

Exclusions

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.

Important Notes

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 24 April 2025.