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Ballpark premium calculator

What could your team’s cover cost?

Tell us your team size, their ages and the cover you want. We work out a yearly range from each insurer’s published rates.

Indicative only. This is a quick estimate, not a quote or an offer of insurance. Exact premiums depend on each employee’s age, your claims history and the insurer’s underwriting.

From 2 to 200. Bigger team? Get a customised quote instead.

No need for ages yet: we assume a typical office team. Exact quotes use your team’s actual ages.

Cover

Dental and GP cover are usually sold with hospital cover, and critical illness with term life.

Level of cover

Indicative yearly premium

Estimate, not a quote

For 10 employees at Standard level, including GST.

  • Benefits+ Business

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

    About 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

    Based on rates published February 2026.

  • Employees FlexCare

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

    About 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

    Based on rates published February 2026.

  • MyBenefits Plus

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

    About 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

    Based on rates published June 2025.

  • TM Deluxe

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

    About 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

    Based on rates published August 2026.

Get exact quotes

Send us a few details and we’ll reply with exact quotes within the next working day.

How we estimate: each insurer’s published rates for small businesses, averaged over the ages of a typical office team (most staff in their 20s to 40s), with at least 10% either side. Premiums include 9% GST where it applies, and assume office work and a new policy.