Employee Medical Benefits
Group medical and employee benefits designed to reward your team — from outpatient GP and dental to specialist hospitalisation and wellness programs.
Backed byAXA · Chubb · Allianz · Zurich · Manulife
"Our team genuinely values the benefits TRS arranged. It has made a real difference to hiring — candidates now ask about the medical plan specifically during interviews."
Benefits your team will value
Hospitalisation, surgical, and major medical coverage for all employees. Includes Ward B1 or higher, pre- and post-hospitalisation benefits, and optional MediShield Life integration.
Unlimited or capped GP visits at a network of panel clinics island-wide. Includes basic diagnostics, prescribed medication, and referrals — with no out-of-pocket costs for employees.
Preventive (scaling and polishing) and basic restorative dental treatment. Optional enhancement to include orthodontics and complex dental procedures.
Specialist consultation, diagnostic imaging, and optional wellness rider covering health screenings, vaccinations, and optical benefits.
Most insurers require a minimum of 5 employees for a group scheme. TRS can arrange coverage for companies of 5 to 5,000+ employees, with premiums scaling by headcount and benefit level.
Most group medical plans offer automatic acceptance with no medical underwriting — meaning pre-existing conditions are covered from day one. This is one of the key advantages of group over individual policies.
Yes. TRS designs tiered group plans — for example, Ward A for Directors, Ward B1 for Managers, and Ward B2 for general staff — all under one master policy with consolidated administration.
Employee additions and terminations are processed on a pro-rata basis. TRS manages the administration and provides your HR team with a simple online portal to update headcount at any time.
Dependant coverage (spouse and children) is available as an optional extension to most group medical plans. TRS will advise on the cost-benefit of including dependants in your scheme.