Insurer cover
Income group insurance for employers (Employees FlexCare)
· Last reviewed 23 October 2026
Employees FlexCare has hospital and surgical, term life and personal accident main plans with optional riders under GHS, and a minimum of two full-time employees. The cover table on this page carries the confirmed fields and their sources.
What Income costs
Yearly, for hospital + GP cover at standard level · GST included
Not a quote
IncomeEmployees FlexCare
S$7,900 to S$9,800
S$790–S$980 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
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
“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.
Questions to put to Income Insurance
- Which riders are available on top of GHS for our headcount, and at what limits?
- How does portfolio underwriting affect our renewal, and what data drives it?
- What is the referral process for panel specialist treatment?
- How do mobile and online claims work in practice, and what is the turnaround?
- How are GTL and GPA structured alongside the medical plan?
How to use this profile
The table on this page carries the confirmed fields and their sources; where a field is not confirmed, treat it as a question for Income rather than a feature that is absent.
Portfolio underwriting is worth understanding before renewal: the reviewed source describes rates for the whole Employees FlexCare portfolio, rather than one employer’s claims. Ask how any change to your renewal will be explained.
Questions
How many employees does Income require?
The reviewed source states a minimum of two full-time employees.
SourcesIncome Insurance
Do Income premiums go up?
Under portfolio underwriting, rates reflect the whole Employees FlexCare portfolio, not one employer's claims; that is not a promise premiums cannot rise.
SourcesIncome Insurance
Sources for this page
- 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.