Business EmployerCare

• Comprehensive range of cost-effective and value-added employees' benefit packages
• Designed to meet the needs of your employees

In today's business environment, most companies would be cautious with their spending and would look to maximising returns on their employee benefit, so as to continue to attract and retain quality and capable personnel. Caring organisations would look to offering cost-effective and value-added employees' benefit packages to ensure that their employee welfare is taken care of, while maintaining a healthy and competitive business.

Together with HSBC Insurance Singapore, we have put together an integrated solution, Business EmployerCare, which is designed to meet the needs of your employees.

• Group Term Life with Terminal Illness Insurance
• Group Term Life with Critical Illness Insurance
• Group Hospital and Surgical Insurance
• Extended Major Medical Insurance
• Group Dental Insurance
• Group Outpatient Insurance
• Group Personal Accident Insurance
• CliniCare

• Provides benefit for loss of life; or
• Provides benefit for total and permanent disability* as a result of an accident, sickness or disease; or
• Provides benefit for any of the 30 critical illnesses named in the policy contract*;
• Lump sum payment of the sum insured;
• 24-hour worldwide coverage without geographical limitation
• Exclusions apply*

• Provides reimbursement of eligible expenses incurred as a result of hospitalisation or if surgical operation has taken place, subject to limits specified in the insurance schedule
• Provides reimbursement of any expenses incurred for kidney dialysis and cancer treatment, subject to limits specified in the insurance schedule
• Provides benefit for loss of life
• Discounts are given for group size of more than 5 members
• Discounts are given for no claim experience (5% in addition to group size discount)
• 24-hour worldwide coverage without geographical limitation
• Exclusions apply*

(Rider to Group Hospital and Surgical Insurance only)

• Pays eligible expenses incurred in excess of basic Group Hospital and Surgical Insurance
• Applicable to surgical procedures schedule* of 75% and above
• Benefit is subject to co-insurance
• Exclusions apply*

(Rider to Group Hospital and Surgical Insurance only)

• Provides coverage for eligible expenses incurred for dental expenses
• Deductibles are applicable
• No restriction to the panel of dentists
• Exclusions apply*

(Rider to Group Hospital and Surgical Insurance only)

• Provides reimbursement of eligible expenses incurred for outpatient clinical consultation
• Provides reimbursement of eligible expenses incurred for outpatient specialist consultation and outpatient diagnostic x-ray and laboratory test referred by a registered medical practitioner without the need to be hospitalised
• No panel of general practitioner and specialist. Insured members are free to visit any medical practitioner of their choice
• Exclusions apply*

(Rider only)

• Provides benefit for loss of life arising solely and directly from an accident
• Provides benefit for dismemberment arising solely and directly from an accident
• Lump sum payment of the sum insured as a result of accidental death
• Percentage of sum insured (subject to Schedule of Benefit*) is payable as a result of accidental dismemberment or disability
• 24-hour worldwide coverage without geographical limitation
• Exclusions apply*

(Rider to Group Hospital and Surgical Insurance only)

• Quality outpatient healthcare for staff
• Easy online tracking and record consolidation of employees' clinic visits
• Enjoy hassle-free claims without submitting and processing medical reimbursement claim forms
• With CliniCare's hassle-free claims administration system, enjoy operations cost savings