Insurer cover
Tokio Marine employee benefits: TM Deluxe Singapore guide
· Last reviewed 23 October 2026
TM Deluxe is Tokio Marine’s employee-benefits package for Singapore SMEs. This profile uses its August 2026 brochure to explain the medical cover and optional riders. Match the exact product and selected plans to your quotation.
What Tokio Marine costs
Yearly, for hospital + GP cover at standard level · GST included
Not a quote
Tokio MarineTM Deluxe
S$9,500 to S$11,700
S$950–S$1,170 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
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
“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 Tokio Marine
- Which medical plan and riders match our employee census?
- What will employees pay through co-insurance, co-payments or non-panel treatment?
- Which referrals and claim documents are required?
- How are claims submitted, and what service times apply?
- What renewal terms apply if our company grows beyond the package’s stated size?
Compare the exact product quoted
TM Deluxe and Group Medical Insurance are distinct product descriptions. Do not transfer a feature or limit from one to the other. The table below the introduction is scoped to TM Deluxe; other products need their own current documents.
A listed wellness benefit is part of the selected medical schedule. It is separate from workplace events or workshops that Bene may organise.
Questions
Does this profile cover every Tokio Marine group medical policy?
No. It covers TM Deluxe only. Check the name and version on your quotation before applying this summary.
How many employees is TM Deluxe intended for?
The product page states a minimum of two and says it is not suitable for more than 30 employees. Larger groups should ask about other arrangements.
Is routine TCM outpatient cover included automatically?
No. The brochure identifies it in selected clinical-rider plans. Confirm the option and limits on your schedule.
Sources for this 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.