Employees FlexCare

Employees FlexCare

Comprehensive and flexible employee benefits insurance for your employees that can be customised to suit your budget and employees’ needs.

What it covers

Hospital and surgical bill for Group Hospital and Surgical plan

We pay eligible hospital and surgical bills up to the maximum benefit limit as specified in the plan type you have chosen. We also pay for pre- and post- hospitalisation bills[1].

Compensation information for Group Hospital and Surgical

Death and total permanent disability for Group Term Life plan
We pay the sum assured in the event of death or total and permanent disability (TPD before age 65).

Compensation information for Group Term Life
Death and permanent disability due to an accident for Group Personal Accident plan
We pay a percentage of the sum assured according to the table of compensation in the event of death, total or partial and permanent disability due to an accident.

Compensation information for Group Personal Accident


You are able to mix and match the coverage from the different plan types under each main plan and rider[2] based on your employees’ needs.

Get coverage for occupations of various natures at no extra cost.
View occupations covered

You can choose to extend the Employees FlexCare cover to include your employees’ spouse and children[3].

Premium rates are determined by the entire Employees FlexCare portfolio. With portfolio underwriting, your premiums will not be directly impacted by increased claims made by your employees.

Enhance your coverage

Group Major Medical Rider

This rider covers eligible large claim amounts that would otherwise be limited by the Group Hospital and Surgical plan.

Compensation information for Group Major Medical

Group Outpatient Primary Care and Group Outpatient Specialist Care Riders

These riders reimburse eligible outpatient medical expenses incurred in General Practitioner (GP) or Specialist clinics. Your employees can enjoy cashless cover upon presentation of the outpatient medical card at Income’s panel of GP and Specialist clinics. The Group Outpatient Specialist Care can be purchased only when Group Outpatient Primary Care is taken up.

Compensation information for Group Outpatient Primary Care
Compensation information for Group Outpatient Specialist Care

Group Critical Illness Rider (Accelerated)
This rider provides a lump sum payout upon diagnosis of any one of the 37 critical illnesses.

Before you apply

  • Your company must have a minimum of 3 employees
  • Your employees must be working on full-time basis
  • Maximum age for cover is 69 years old (age last birthday) for all main plans and riders except for Group Critical Illness plan where maximum age for cover is 64 years old (age last birthday)
  • Maximum renewable age of up to 72 years old (age last birthday) for Group Hospital and Surgical, Group Personal Accident, Group Major Medical, Group Outpatient Primary Care and Group Outpatient Specialist Care.
Important Notes


  1. We pay for the expenses incurred for pre-hospitalisation specialist consultation, pre-hospitalisation diagnostic X-ray and laboratory fees if such expenses are incurred within 90 days prior to the date of hospitalisation or day surgery. We also pay for the expenses incurred for post-hospitalisation treatment if such expenses are incurred within 90 days from the last discharge date from the hospital or clinic (in the case of day surgery).

  2. Product Plan Type Selection Guidelines
    a. Group Hospital and Surgical and Group Major Medical plan type selected must be the same.
    b. Group Term Life and Group Critical Illness plan type selected must be the same.
    c. Group Term Life or Group Personal Accident plan type selected must be the same for all employees under the same occupation category or same basis of coverage.

  3. If you allow your employees’ spouse and children to take up Employees FlexCare, it will be compulsory to all eligible employees under the same occupation category or basis of coverage. The plan type for the spouse and children should not be higher than the employees’ plan type for all main plans and riders.



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.


Important notice


This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

  Information is correct as of 21 July 2017

Frequently asked questions

How to apply

For enquiries about Employees FlexCare, please call our hotline:
6332 1133

Speak to your Income adviser, or use our online matching tool to find an adviser who’s right for you.

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