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Group insurance cost calculator

Choose your team size and cover to compare yearly estimates.

Estimates only, not quotes or offers of insurance. Final premiums depend on ages, claims and underwriting.

For 2–200 employees.

Based on a typical office team.

Cover

Some covers are bundled.

Cover level

Yearly estimates

Not a quote

10 employees · Standard · GST included

  • Flexi Vital Care Plus

    S$11,900 to S$14,700 a year

    S$1,190 to S$1,470 per employee

    Hospital and surgical
    Plan 3: private hospital, single room, with major medicalabout S$7,090
    GP and specialist
    GP and specialist Plan 3: specialist up to S$1,500 a yearabout S$6,200

    Rates published July 2025.

    Rates can change; the insurer’s own quote is definitive.

  • Benefits+ Business

    S$14,500 to S$17,800 a year

    S$1,450 to S$1,780 per employee

    Hospital and surgical
    Plan 3, option 3: public hospital, single room, with extended major medicalabout S$7,340
    GP and specialist
    GP Plan 1 and Specialist Plan 2: specialist up to S$1,500 a yearabout S$8,790

    Rates published February 2026.

    Rates can change; the insurer’s own quote is definitive.

  • Employees FlexCare

    S$7,900 to S$9,800 a year

    S$790 to S$980 per employee

    Hospital and surgical
    Plan 3: public hospital, single room, with major medicalabout S$4,230
    GP and specialist
    GP Plan 1 and Specialist Plan 2: specialist up to S$1,000 a yearabout S$4,590

    Rates published February 2026.

    Rates can change; the insurer’s own quote is definitive.

  • PRUTreasures Flexi II

    S$7,500 to S$9,300 a year

    S$750 to S$930 per employee

    Hospital and surgical
    Plan 4: public hospital, single room, with extended major medicalabout S$3,370
    GP and specialist
    GP Plan 1 and Specialist Plan 2: specialist up to S$1,500 a year (S$400 at private hospitals)about S$5,040

    Brochure publication date not stated.

    Rates can change; the insurer’s own quote is definitive.

  • Raffles Corporate Care Enhanced III

    S$10,500 to S$13,000 a year

    S$1,050 to S$1,300 per employee

    Hospital and surgical
    Plan 5: public hospital, single room, with major medicalabout S$5,820
    GP and specialist
    GP Plan 1 and Specialist Plan 2: specialist up to S$1,500 a yearabout S$5,930

    Rates published September 2025.

    Rates can change; the insurer’s own quote is definitive.

  • MyBenefits Plus

    S$7,900 to S$9,800 a year

    S$790 to S$980 per employee

    Hospital and surgical
    Plan 2: public hospital, single room, with major medicalabout S$3,940
    GP and specialist
    GP and specialist Plan 4: specialist up to S$1,500 a yearabout S$4,920

    Rates published June 2025.

    Rates can change; the insurer’s own quote is definitive.

  • TM Deluxe

    S$9,500 to S$11,700 a year

    S$950 to S$1,170 per employee

    Hospital and surgical
    Plan 3: room and board up to S$400 a day, with major medicalabout S$4,650
    GP and specialist
    GP Plan 2 and Specialist Plan 3: specialist up to S$1,500 a yearabout S$5,960

    Rates published August 2026.

    Rates can change; the insurer’s own quote is definitive.

Get exact quotes

Exact quotes by the next working day.

Based on published small-business rates and typical office ages (mostly 20s–40s), with a minimum ±10% range. Assumes office work and a new policy. Includes 9% GST where applicable.

Foreign worker medical insurance

MOM requires medical insurance for every Work Permit and S Pass holder, covering at least S$60,000 a year of hospital stays and day surgery. It is separate from work injury compensation (WICA). How foreign worker medical insurance works

For 3 to 100 workers.

Standard plans leave you 25% of claims above S$15,000. This upgrade covers them in full.

Yearly premiums

Not a quote

10 workers · GST included

  • Foreign Worker Protector Plus

    PlanPer workerFor 10 workers
    Plan 1Up to S$60,000 a yearS$277.95S$2,779.50
    Plan 2Up to S$80,000 a yearS$310.65S$3,106.50
    Plan 3Up to S$100,000 a yearS$337.90S$3,379.00
    • Rates for 3 to 10 workers.
    • Optional accident cover of S$60,000: S$34.88 to S$81.75 a worker, depending on the work.

    Rates published July 2025.

    Rates can change; the insurer’s own quote is definitive.

Get a quote for your workers

Exact quotes by the next working day.