Insurer cover
AIA group insurance for Singapore employers
· Last reviewed 17 October 2026
AIA presents a range of plans and add-ons, not one bundle. The source lists Clinical Outpatient (AIA IHS) as a GP add-on to GHS with cashless panel clinic access, separate from Specialist Outpatient.
What AIA costs
Yearly, for hospital + GP cover at standard level · GST included
Not a quote
AIAFlexi Vital Care Plus
S$11,900 to S$14,700
S$1,190–S$1,470 per employee
Estimates from published small-business rates for a typical office team. Rates can change; the insurer’s own quote is definitive. See all 7 insurers side by side.
S$0 for advice; the insurer pays us. Exact quotes by the next working day, or WhatsApp us.
What the sources say
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
“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.
AIA group health insurance
AIA's group health range is built on Group Hospitalisation and Surgical (GHS), with Group Major Medical for costs outside GHS. Clinical Outpatient (AIA IHS), Group Specialist Outpatient and Group Maternity are add-ons to GHS, and Dental PPO-Plus covers routine and some surgical dental care. From 2025, GHS includes inpatient mental health care on an as-charged basis.
Employees visit GP panel clinics cashless with the AIA Integrated Healthcare Solutions (IHS) card and use a digital AIA Dental Card at dental panel clinics. A visit to a clinic on AIA's personal-insurance panel, rather than the corporate panel, may not be payable under the group plan.
AIA corporate insurance for companies
AIA sells its employee benefits as AIA Corporate Solutions. Beyond medical cover, the range includes Group Term Life and Total Permanent Disability, Group Personal Accident, Group Critical Illness (additional or accelerated) and Group Long Term Disability.
For Work Permit and S Pass holders, AIA Foreign Worker Protector Plus is built to meet MOM's medical insurance rules and can start from three employees. HR manages the policy through the AIA eBenefits portal, and employees use the AIA+ app to find clinics and check their cover.
Questions to put to AIA
- Which plans in the range fit our headcount, and what level is each quoted at?
- Are Clinical Outpatient (AIA IHS) and Specialist Outpatient both included on the quote, and at what level?
- How is the major medical layer structured above the base plan?
- How are pre-existing conditions handled and what evidence is needed?
- How are claims administered across the plans on the quote?
How to use this profile
AIA's source describes a range, so a listed benefit is not automatically included in every plan. When you compare, confirm which add-ons are on the quote and whether the outpatient element is the clinical (GP) add-on, the specialist add-on, or both.
The table on this page carries the confirmed fields and their sources. Anything not confirmed there is a question for AIA, not a statement that the feature is absent.
Questions
Is AIA's employee benefits one plan?
No. The source describes a range, so contents depend on what is chosen.
SourcesAIA Singapore
Does AIA cover GP visits?
Clinical Outpatient (AIA IHS) is an add-on to GHS with cashless panel access; confirm it is on your quote.
SourcesAIA Singapore
Does AIA cover dental?
Dental PPO-Plus is part of the range; confirm terms on a quote.
SourcesAIA Singapore
Does AIA's group plan cover mental health treatment?
From 2025, AIA's GHS includes inpatient mental health care on an as-charged basis at no extra premium. Check the terms of the plan you are quoted.
SourcesAIA Singapore
Sources for this page
- AIA Foreign Worker Protector Plus
Relevant section: Eligibility and minimum group
Undated product page. Meets MOM's medical insurance requirements for S Pass and Work Permit holders; policies can start with three employees.
- 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.
- Corporate insurance FAQs
Relevant section: Panels, letters of guarantee and no-evidence limits
Undated FAQ page. Corporate panel only; personal-insurance panel visits are not payable under the corporate plan.
- Employee benefits
Describes AIA's employee-benefits range; no minimum headcount or price is stated.