Product
Group medical, dental, and life plans that help you compete for talent. Better coverage for your team. Lower turnover for you.
Your best developer gets a job offer from a larger company. The salary is similar, but they offer full medical, dental, and life insurance. You don't. You lose the hire.
Employee benefits insurance is group coverage — medical, dental, life, and accident — that you provide to your team as part of their employment package. In Singapore's competitive job market, it's one of the most effective tools for attracting talent, reducing turnover, and showing your team that you take their wellbeing seriously.
Group plans are structured differently from individual insurance. Everyone on the team is covered from day one — no medical questionnaires, no exclusions for pre-existing conditions. And because you're buying as a group, the per-person cost is almost always lower than what your employees would pay on their own. It's a win-win: your team gets better coverage, you get a more engaged, more loyal workforce.
Coverage
Key areas of protection included under a typical Employee Benefits Insurance policy.
Hospital stays, surgery, and specialist treatment — covered so your team doesn't stress about big medical bills
GP visits, specialist consults, and prescriptions — everyday healthcare without the out-of-pocket sting
Check-ups, scaling, fillings, and basic dental work — the benefit employees actually use and appreciate
Lump sum payout to an employee's family if they pass away during employment
Compensation for accidental death, permanent disability, and medical expenses from accidents
Prenatal visits, delivery, and postnatal care — supporting your team through major life events
Direct access to specialist consultations, diagnostic tests, and treatments without GP referral
Who Needs This
Any company competing for talent. In Singapore's tight labour market, salary isn't enough. Benefits are one of the top factors candidates consider. A strong medical and dental plan can be the difference between landing your top candidate and losing them to a competitor.
Startups and tech companies. You're fighting for the same engineers and designers as Google, Grab, and Shopee. You can't match their salaries, but you can match their benefits. Group medical, dental, and life insurance levels the playing field — and it's more affordable than most founders think.
Companies with foreign workers. Beyond MOM's mandatory medical insurance for Work Permit holders, many employers provide broader group coverage as a retention and welfare measure. This is especially valuable in construction, manufacturing, and logistics where worker wellbeing directly affects productivity.
Professional services firms. Accountancies, law firms, and consultancies depend on their people. Losing a senior associate because a competitor offered better benefits is avoidable. Group plans are a cost-effective way to protect your most important asset.
Why TRS
We compare every major insurer. Group insurance pricing varies significantly, and so do the terms. We compare plans from all major insurers in Singapore — Great Eastern, AIA, Prudential, NTUC Income, and more — and find the best coverage for what you can spend.
Plan design that actually works. We help you build a benefits structure that fits your company — the right tiers, limits, co-payments, and add-ons. A well-designed plan maximises employee satisfaction without exceeding your budget.
We handle the admin. Adding new hires, processing claims, managing renewals, answering employee questions about coverage — we take care of it so your HR team can focus on everything else.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.