Ensuring a healthy and satisfied workforce is crucial for any business. At David Ho, we provide tailored employee insurance solutions in Singapore, focusing on comprehensive medical benefits that enhance employee well-being and productivity.
Company insurance for employees (often called Employee Benefits) is an employer-sponsored protection plan designed to support your staff’s physical and financial health. While many businesses start with basic medical benefits, a robust corporate insurance strategy in Singapore typically includes three core pillars:
Well-structured employee insurance plans reduce the financial burden on your staff and ensure they have timely access to care, directly reducing turnover and absenteeism.
At David Ho, we understand that every organization has unique needs when it comes to employee benefits. Our role is to help HR and Finance leaders design insurance solutions that protect employees, strengthen workplace well-being, and support long-term business goals.
With our expertise, you gain more than just a policy — you gain a partner who helps you simplify complexity, balance costs with coverage, and give your workforce the peace of mind they deserve.
Every business is unique, and so are its risks. As a specialized employee benefits brokerage, we help you mix and match the right coverage options:
We see ourselves not just as brokers, but as partners to your HR and Finance teams. From the first consultation, we take time to listen to your challenges, gather employee feedback, and design an employee insurance plan that aligns with both your workforce needs and business goals.
Our role continues well beyond policy setup. We provide ongoing advice, assist with claims, and share regular updates on industry and regulatory changes to keep your employee benefits insurance coverage relevant and effective. To ensure employees fully appreciate the value of their benefits, we also run education sessions that explain how to use their coverage confidently.
By making insurance clear, accessible, and practical, we turn a staff benefit into something employees genuinely value — and a strategic tool for your company to retain talent and strengthen engagement.
As a top employee benefits insurance broker, we work with leading insurers to secure competitive premiums without compromising on quality. Our network of healthcare providers ensures employees have access to top hospitals, clinics, and specialists across Singapore.
For businesses, this means more than affordable premiums. It means peace of mind that your benefits are sustainable, comprehensive, and designed to protect both your employees and your organization’s future.
A step-by-step overview
At David Ho Insurance, we specialise in creating customised employee benefits programs that meet the unique needs of your organisation. Our proven process ensures a seamless transition from consultation to implementation.
We start with an in-depth conversation to understand your unique needs and goals.
Do you want to… ?
Benchmarks, policy review, comparison & renewal analysis – all done for you!
One stop shop for all of your insurance needs
We will assist to implement the decision made for your insurance policies:
Your questions answered about our insurance services and how we can assist you.
For most companies, Work Injury Compensation (WICA) is mandatory for manual workers and staff earning ≤$2,600. While broad employee medical insurance is not legally compulsory for all staff, it is highly recommended to remain competitive in the talent market.
Costs vary based on coverage depth and workforce age. A basic plan covering GP and Hospitalization can start from $300 – $800 per employee per year. Comprehensive plans with dental and life coverage will range higher. We help you benchmark these costs against your industry.
WICA only covers work-related injuries and diseases. Company Insurance (Group Medical/Life) covers non-work-related illnesses (like flu, cancer, or dengue) and accidents occurring outside of work hours.
Yes. Most insurers in Singapore offer group plans for companies with as few as 1 to 5 employees, with no medical underwriting required for some. Standard StartUp/SME options keep premiums predictable and administration simple, making them a practical starting point for start ups or small businesses setting up employee benefits for the first time.
An employee benefits insurance broker compares plans across multiple insurers, which a tied agent cannot do. Your company gets a policy benchmarked against the market, not just the options one insurer offers. Beyond pricing, a broker handles renewal negotiations, claims support, and policy adjustments during the year, freeing your HR and finance teams from administration. In Singapore, group insurance plans vary widely in coverage scope and claims processes. Having an independent broker review your options regularly can reduce costs, catch coverage gaps, and keep your plan competitive as your workforce grows or changes.
Standard employee benefits insurance coverage typically includes Inpatient (Hospital & Surgery), Outpatient (GP & Specialist), and sometimes Dental. We can also add Group Term Life to ensure comprehensive protection for your workforce.
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The DH Team are professional brokers and licensed insurance advisor registered with the Monetary Authority of Singapore.
