Resources
Employee benefits for SMEs in Singapore, by team size
Last reviewed 17 October 2026
Employee benefits for Singapore SMEs, planned by team size: what a first package covers, what changes as the team grows and what to settle before renewal. Headcount bands here are planning scenarios, not insurer eligibility rules; entry requirements are set by each insurer and plan.
Pick the band that matches your team
Each band has a different centre of gravity, but the underlying sequence is the same: define scope, keep the census current, compare on one basis, onboard well and review at renewal.
| Band | Focus | Guide |
|---|---|---|
| 5 to 10 employees | Who qualifies, statutory versus optional benefits, a package you can run | Employee benefits for 5–10 employees in Singapore |
| 10 to 20 employees | First admin owner, one core plan, clean census | Employee benefits for teams of 10 to 20 |
| 20 to 50 employees | Benefit classes, onboarding, growth triggers | Employee benefits for teams of 20 to 50 |
| 50 to 100 employees | Renewal governance, claims aggregate, privacy, vendor scoring | Employee benefits for teams of 50 to 100 |
| 100+ employees | Benefits as an ongoing programme: eligibility, classes, renewal transitions | Employee benefits for 100+ employees in Singapore |
Types of employee benefits
Most Singapore packages are built from a few of these. CPF contributions and statutory leave are legal requirements rather than benefits you choose, so they sit outside this list.
- Group insurance: hospital and surgical (GHS), major medical (GMM), term life (GTL), personal accident (GPA) and critical illness cover.
- Everyday care: GP and specialist visits, usually at panel clinics, and dental.
- Wellness: health screening, wellness allowances, talks and team activities.
- Flexible benefits: a yearly budget each employee spends on the benefits they choose.
- Time and support: extra leave beyond the legal minimum, training and counselling support.
How to use these pages
- Read your band first, then the general buying guide.
- Use the headcount band as a planning lens, not as a statement about eligibility.
- We check the current minimum size with each insurer before we shortlist plans.
Where to go next
- The full buying sequence is in the employee benefits insurance guide.
- Cost is explained in the cost guide, without inventing a market price.
- Ready to compare? Start with the guides hub or request a quote.
What should you work on next?
Choose the next resource for the decision you need to make.
Questions
Are these headcount bands insurer eligibility rules?
No. They are planning scenarios to help you focus on the right tasks. Eligibility is set by each insurer and plan, and we confirm the minimum size for each plan before we shortlist it.
My team is smaller than ten. Is this page for me?
Yes. The 5 to 10 employees guide covers a first package for a very small team. Minimum sizes vary by insurer, and we check them before we shortlist plans.