Resources
Insurer profiles
Last reviewed 23 October 2026
Source-checked profiles of employee-benefit products from insurers we have reviewed. Each profile shows what our sources confirm, what they do not, and the questions to ask. This is not a panel or a full list of insurers, and it does not represent every plan each insurer offers.
What the sources say
Singlife — MyBenefits Plus. MyBenefits Plus basic plans and supplementary riders, based on the official product page, FAQs and June 2025 brochure. Benefits depend on the selected plan.
Facts last reviewed 23 October 2026.
- Hospitalisation
Group Basic Medical reimburses eligible hospitalisation and surgery costs; benefits and hospital choice depend on the selected plan.
SourcesSinglife
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
- GP and outpatient
Group Outpatient Medical is a rider to Group Basic Medical or FWMI; GP consultation benefits depend on the selected schedule.
SourcesSinglife
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
- Specialist care
Outpatient specialist consultations and diagnostic tests are described in the outpatient rider, with referral requirements and scheduled limits.
SourcesSinglife
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
- Dental
Group dental rider attached to Group Basic Medical; panel dentists; limits apply per insured person, not per family. Confirm the selected plan’s monetary limits.
SourcesSinglife
Reviewed 23 October 2026
- Traditional Chinese medicine
TCM benefits are listed for selected outpatient plan options, subject to visit and policy-year limits; they are not included in every option.
SourcesSinglife
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
- Wellness
Not verified
Reviewed 23 October 2026
- Claims
The claim-history FAQ describes status tracking through the Singlife app and MySinglife portal. It states accuracy 20 March 2024; confirm current access with the employer. Processing time is not verified.
SourcesSinglife
Reviewed 23 October 2026
- Eligibility
Minimum two employees; maximum entry age 69 at next birthday; the company chooses uniform or job-category benefits; dependants must be legally substantiated and covered at the same level; cover is limited to Singapore-based employees and dependants. The source states accuracy 20 Mar 2024, so reconfirm on a current quote.
SourcesSinglife
Reviewed 23 October 2026
- Limitations
Group Term Life and Group Living Care sums assured above S$150,000 require underwriting. Guaranteed acceptance is not the same as cover for every pre-existing condition.
SourcesSinglife
Reviewed 23 October 2026
- Optional benefits
The brochure lists Living Care, Major Medical, Outpatient Medical and Dental supplementary plans; each attaches to specified basic cover.
SourcesSinglife
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
- Maternity
Not verified
Reviewed 23 October 2026
- Mental wellness
Group Basic Medical lists inpatient psychiatric treatment after a 10-month waiting period: within the per-disability limit on Plans 1 to 5, and up to S$2,000 on Plan 6. Confirm the selected schedule.
SourcesSinglife
Source section: Group Basic Medical schedule, item 4
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
- Telemedicine
Not verified
Reviewed 23 October 2026
- Employee assistance
Not verified
Reviewed 23 October 2026
- Panel and network
Group Outpatient Medical pays panel GP visits as charged, and Group Dental gives cashless visits to panel dental clinics. Singlife publishes GP and dental panel listings for MyBenefits Plus; confirm current clinics for the selected plan.
Source section: Group Outpatient Medical and Group Dental schedules; product page panel listings
Source version: Brochure accurate as at June 2025; current selected terms require confirmation
Reviewed 23 October 2026
AIA — AIA Employee Benefits (product range). A menu of group employee-benefit plans and add-ons; the reviewed source is AIA's employee-benefits range, not one named bundle.
Facts last reviewed 23 October 2026.
- Hospitalisation
GHS hospitalisation and surgery reimbursement, with GMM as an additional safety net.
SourcesAIA Singapore
Reviewed 23 October 2026
- GP and outpatient
Clinical Outpatient (AIA IHS) is an add-on to GHS for outpatient consultations, with cashless panel clinic access.
SourcesAIA Singapore
Reviewed 23 October 2026
- Specialist care
Specialist Outpatient is a separate add-on to GHS.
SourcesAIA Singapore
Reviewed 23 October 2026
- Dental
Dental PPO-Plus is part of the range.
SourcesAIA Singapore
Reviewed 23 October 2026
- Traditional Chinese medicine
Not verified
Reviewed 23 October 2026
- Wellness
WorkWell and Vitality are workplace programmes, described separately.
SourcesAIA Singapore
Reviewed 23 October 2026
- Claims
AIA+ supports employee claim filing and status checks; AIA eBenefits provides HR policy documents and claim-utilisation information.
SourcesAIA Singapore
Reviewed 23 October 2026
- Eligibility
Not verified
Reviewed 23 October 2026
- Limitations
A range of plans and add-ons, not one bundle; listed features are not automatically included.
SourcesAIA Singapore
Reviewed 23 October 2026
- Optional benefits
Clinical Outpatient, Specialist Outpatient and maternity add-ons to GHS.
SourcesAIA Singapore
Reviewed 23 October 2026
- Maternity
Group Maternity is described as an add-on to GHS for maternity hospitalisation expenses of eligible female employees or dependants. Selected terms require confirmation.
SourcesAIA Singapore
Source section: Group Maternity
Reviewed 23 October 2026
- Mental wellness
From 2025, GHS includes inpatient mental health care on an as-charged basis at no extra premium; confirm the selected plan's terms.
SourcesAIA Singapore
Reviewed 17 October 2026
- Telemedicine
The range overview describes WhiteCoat teleconsultation. Confirm whether and on what terms it is included in the employer’s selected arrangement.
SourcesAIA Singapore
Source section: Our digital ecosystem: WhiteCoat
Reviewed 23 October 2026
- Employee assistance
Not verified
Reviewed 23 October 2026
- Panel and network
Clinical Outpatient describes cashless panel access. Use the current directory and selected plan to confirm clinics and terms.
SourcesAIA Singapore
Source section: Clinical Outpatient; AIA+ panel clinic locator
Reviewed 23 October 2026
Income Insurance — Employees FlexCare. A group plan with Group Hospital & Surgery (GHS), Group Term Life (GTL) and Group Personal Accident (GPA) main plans, plus optional riders placed under GHS.
Facts last reviewed 23 October 2026.
- Hospitalisation
GHS is one of the main plans.
SourcesIncome Insurance
Reviewed 23 October 2026
- GP and outpatient
Optional outpatient primary-care rider under GHS; cashless panel GP visits.
SourcesIncome Insurance
Reviewed 23 October 2026
- Specialist care
Optional specialist rider under GHS; panel specialist with referral.
SourcesIncome Insurance
Reviewed 23 October 2026
- Dental
Optional dental rider under GHS.
SourcesIncome Insurance
Reviewed 23 October 2026
- Traditional Chinese medicine
The optional Group Outpatient Primary Care rider lists reimbursement for visits to registered TCM practitioners in Singapore, with a five-visit annual limit and plan-specific co-payment. Confirm the selected schedule.
SourcesIncome Insurance
Source version: Brochure correct as at 1 February 2026; selected terms apply
Reviewed 23 October 2026
- Wellness
Not verified
Reviewed 23 October 2026
- Claims
Outpatient claims can be submitted by mobile or online.
SourcesIncome Insurance
Reviewed 23 October 2026
- Eligibility
Minimum two full-time employees.
SourcesIncome Insurance
Reviewed 23 October 2026
- Limitations
Portfolio underwriting sets rates from the whole Employees FlexCare portfolio, not one employer's claims; not a promise premiums cannot rise.
SourcesIncome Insurance
Reviewed 23 October 2026
- Optional benefits
Outpatient primary care, specialist and dental riders under GHS.
SourcesIncome Insurance
Reviewed 23 October 2026
- Maternity
Not verified
Reviewed 23 October 2026
- Mental wellness
Plans 1 to 5 of Group Hospital & Surgical list inpatient psychiatric treatment, from S$2,000 to S$8,000 depending on the plan, and Plan 1 of the optional specialist rider adds outpatient psychiatric treatment up to S$500 a year. Confirm the selected schedule and exclusions.
SourcesIncome Insurance
Source section: GHS benefit schedule; Group Outpatient Specialist Care
Source version: Brochure correct as at 1 February 2026; selected terms apply
Reviewed 23 October 2026
- Telemedicine
The optional Group Outpatient Primary Care rider lists panel telemedicine as charged, up to three visits a year, with the plan’s co-payment where one applies. Confirm the selected schedule.
SourcesIncome Insurance
Source section: Optional rider: Group Outpatient Primary Care (GP)
Source version: Brochure correct as at 1 February 2026; selected terms apply
Reviewed 23 October 2026
- Employee assistance
Not verified
Reviewed 23 October 2026
- Panel and network
Income describes a panel of GP and specialist clinics where members of the outpatient riders get cashless consultations with the outpatient e-medical card; panel specialist visits need a referral letter. Confirm current clinics for the selected plan.
SourcesIncome Insurance
Source section: Cashless outpatient consultation at panel GP and specialist clinics
Reviewed 23 October 2026
Tokio Marine — TM Deluxe. TM Deluxe for SMEs, using the August 2026 brochure. This is a specific package, separate from Tokio Marine’s general Group Medical Insurance overview.
Facts last reviewed 23 October 2026.
- Hospitalisation
Group Deluxe Medical covers eligible hospitalisation and surgery; limits vary by plan.
SourcesTokio Marine Life Insurance Singapore
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- GP and outpatient
Optional clinical rider; cashless consultations at preferred clinics.
SourcesTokio Marine Life Insurance Singapore
Reviewed 23 October 2026
- Specialist care
The specialist rider requires the clinical rider; referral and scheduled limits apply.
SourcesTokio Marine Life Insurance Singapore
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Dental
Optional dental rider reimburses eligible treatment, subject to the selected schedule.
SourcesTokio Marine Life Insurance Singapore
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Traditional Chinese medicine
Routine TCM consultations are listed under outpatient clinical-rider Plans 1 and 3. Check the separate medical schedule for accidental outpatient TCM treatment.
SourcesTokio Marine Life Insurance Singapore
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Wellness
Medical Plans 1–4 list annual flu-vaccination/health-screening limits of S$150, S$100, S$50 and S$50 respectively; Plan 5 lists none.
SourcesTokio Marine Life Insurance Singapore
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Claims
Not verified
Reviewed 23 October 2026
- Eligibility
Minimum two employees. The product overview describes employer-paid cover and says the package is not suitable for groups above 30 employees. Confirm eligibility for the actual census.
SourcesTokio Marine Life Insurance Singapore
Reviewed 23 October 2026
- Limitations
Yearly renewal requires insurer agreement; premiums are not guaranteed. The policy contract governs exclusions and claims.
SourcesTokio Marine Life Insurance Singapore
Reviewed 23 October 2026
- Optional benefits
Critical illness attaches to term life; personal accident and outpatient riders have specified base-plan requirements.
SourcesTokio Marine Life Insurance Singapore
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Maternity
Not verified
Reviewed 23 October 2026
- Mental wellness
Group Deluxe Medical lists inpatient psychiatric treatment up to S$5,000 a policy year on every plan, and the optional specialist rider lists outpatient psychiatric treatment on GP referral. Confirm the selected schedule.
SourcesTokio Marine Life Insurance Singapore
Source section: Group Deluxe Medical schedule item 14; Group Outpatient Specialist Benefits
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Telemedicine
The optional clinical rider lists telemedicine in Singapore, including delivery cost, at up to S$50 a visit on Plans 1 and 3 and S$30 on Plans 2 and 4, capped at six visits a policy year; Plans 3 and 4 carry a S$5 co-payment per visit. Confirm the selected schedule.
SourcesTokio Marine Life Insurance Singapore
Source section: Group Outpatient Clinical Benefits schedule item 4
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
- Employee assistance
Not verified
Reviewed 23 October 2026
- Panel and network
The optional clinical rider pays consultations at panel GP clinics as charged on every plan, and the product page describes cashless consultations at preferred clinics. Non-panel GP visits have a per-visit limit on some plans. Confirm current clinics for the selected plan.
SourcesTokio Marine Life Insurance SingaporeTokio Marine Life Insurance Singapore
Source section: Group Outpatient Clinical Benefits schedule items 1 and 3; product page riders
Source version: Brochure GRP-073-AUG2026; selected schedule and policy terms apply
Reviewed 23 October 2026
Raffles Health Insurance — Raffles Corporate Care Enhanced III. Raffles Corporate Care Enhanced III, the off-the-shelf SME plan, using the September 2025 brochure. Customised group plans and international Business Health Plans are separate products.
Facts last reviewed 17 October 2026.
- Hospitalisation
Group Hospital & Surgical is the main medical plan, with seven plan levels from a private-hospital single room down to a government-hospital 4-bed ward; limits vary by plan.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- GP and outpatient
Optional GP outpatient rider; panel visits are cashless at Raffles Medical clinics, associate clinics and government polyclinics.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Specialist care
Optional specialist outpatient rider, available only with the GP rider; the specialist panel includes Raffles Hospital and government hospital specialist clinics.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Dental
Optional dental rider, subject to the selected schedule.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Traditional Chinese medicine
Not verified
Reviewed 17 October 2026
- Wellness
Health screening is not covered: routine check-ups, screenings and preventive treatment are listed outpatient exclusions.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Claims
Not verified
Reviewed 17 October 2026
- Eligibility
Full-time employees aged 16 to 70 next birthday, renewable to 75. Cover can start with one employee, with a 50% loading on medical cover for a one-person group, and at least two employees are needed to renew. Spouses and children can join the medical plans. Term life free cover limit S$150,000; critical illness S$75,000.
SourcesRaffles Health InsuranceRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Limitations
Pre-existing conditions are excluded under the hospital and major medical plans, and the brochure states that pre-existing kidney dialysis and all cancer treatment are permanently excluded. High-hazard occupations are excluded. Premium rates are not guaranteed.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Optional benefits
Major medical, GP, specialist and dental riders on the medical side; group term life with critical illness (accelerated or additional) and personal accident riders. Group-size discounts of 5% for 5 to 9 employees and 10% for 10 or more.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Maternity
Corporate Care lists a pregnancy-complications benefit only; maternity appears among the customised group plan benefits.
SourcesRaffles Health InsuranceRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
- Mental wellness
Not verified
Reviewed 17 October 2026
- Telemedicine
Not verified
Reviewed 17 October 2026
- Employee assistance
Not verified
Reviewed 17 October 2026
- Panel and network
GP panel: Raffles Medical clinics, associate clinics in Singapore and Johor Bahru, and government polyclinics. Specialist panel: Raffles Hospital, government hospital specialist clinics and associate clinics.
SourcesRaffles Health Insurance
Source version: Brochure correct as of 17 September 2025; selected schedule and policy terms apply
Reviewed 17 October 2026
“Not verified” means bene has not confirmed this from a published source for this product. It does not mean the benefit is not offered.
Reviewed means we checked the wording against the sources below on that date. It is a source check, not clinical, legal or underwriting approval.
Profiles we have published
Browse the profiles below for the product scope, benefits, unanswered questions and official sources.
| Insurer | Product | Profile |
|---|---|---|
| Singlife | MyBenefits Plus | Singlife group insurance for employers (MyBenefits Plus) |
| AIA | Employee Benefits (range) | AIA group insurance for Singapore employers |
| Income Insurance | Employees FlexCare | Income group insurance for employers (Employees FlexCare) |
| Tokio Marine | TM Deluxe | Tokio Marine employee benefits: TM Deluxe Singapore guide |
| Raffles Health Insurance | Corporate Care Enhanced III | Raffles Health Insurance group plans: Corporate Care for SMEs |
What a profile is not
A profile is not a panel listing, an appointment or a recommendation. It records what official product pages say, as reviewed on a stated date, and marks anything we could not confirm. Where a profile is silent, treat it as a question to ask, not as a missing feature.
How profiles are built
- Facts come from the official product pages listed in our sources registry.
- Each field is marked verified or not verified, with its source shown.
- Product scope is kept specific: we do not mix different packages from one insurer.
- See how Bene compares plans in the methodology, and the sources page for the registry.
Questions
Is this a panel of insurers?
No. It is a set of profiles for products whose official pages we have reviewed. It is not a panel, and it is not a complete list of insurers or plans available in Singapore.
Does a profile recommend an insurer?
No. Profiles are factual summaries with open questions. A recommendation would depend on your group and is a separate conversation.
Sources for this page
- AIA Singapore boosts mental health support and enhances corporate insurance benefits
Relevant section: 2025 group insurance enhancements
Press release dated 3 October 2024. From 2025, GHS includes inpatient mental health care on an as-charged basis at no extra premium.
- Employee benefits
Describes AIA's employee-benefits range; no minimum headcount or price is stated.
- Employees FlexCare (group insurance for employees)
Page states information correct as at 12 March 2026. Describes main plans and optional riders; no quote price is stated.
- Employees FlexCare brochure (February 2026)
Official brochure linked from the Income product page and fetched 23 October 2026; information correct as at 1 February 2026. The optional primary-care rider includes registered Singapore TCM visits with selected-plan limits and co-payment.
- Customised group insurance
Relevant section: Customised plans
Official page (last modified 13 March 2025). Bespoke plans for larger groups, including maternity among listed benefits.
- Raffles Corporate Care Enhanced III
Relevant section: Product overview and group size
Official product page (last modified 18 September 2025). Off-the-shelf employee benefits plan for SMEs; one-employee minimum in the first year.
- Raffles Corporate Care Enhanced III brochure
Relevant section: Plans, riders, panel, eligibility and exclusions
Brochure states information is correct as of 17 September 2025. Selected schedules and the policy contract apply.
- Employee benefits claim history FAQ
FAQ states accuracy 20 March 2024. Describes claim-status access, not a current claim-processing turnaround guarantee.
- MyBenefits Plus (corporate insurance)
Official product page, opened 2026-10-23. Plan and coverage options can change; reconfirm against a current quote.
- MyBenefits Plus brochure (June 2025)
Official brochure retrieved 23 October 2026; states information accurate as at June 2025. Pages 3–4 describe basic cover and riders. Confirm the selected plan and current policy terms.
- MyBenefits Plus general FAQs
FAQ page states it was accurate on 20 Mar 2024; eligibility figures may have changed, reconfirm with a current quote.
- MyBenefits Plus group dental FAQ
Describes the dental rider and panel arrangement; no exact monetary limit is stated on the page.
- TM Deluxe brochure (August 2026)
Brochure GRP-073-AUG2026, fetched from the official product page on 23 October 2026. Benefits and rider dependencies are on pages 3–6; selected schedules and policy terms apply.
- TM Deluxe SME employee benefits
Official product overview states accuracy April 2026. Scope is TM Deluxe; other Tokio Marine group products have different terms.