Here’s what you get with Employees FlexCare.
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24-hour worldwide[1] protection with comprehensive coverage that includes Group Hospital and Surgical, Group Term Life and Group Personal Accident.
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Customisable plans to suit your budget and employees’ needs.
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Premiums are based on portfolio underwriting.
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Hassle-free application and claims.
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Cashless[2] cover at Income’s panel of General Practitioner or Specialist clinics.
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.
You may view the full premium rates here.
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).
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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. 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 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 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 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 2 April 2024.
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