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It is an affordable employee protection programme for SMEs or new start-ups with a minimum of 2 employees.
Benefits at a glance.
Ideal for SMEs and new start-ups
Manage costs effectively as age-banded premiums provide you with predictable annual costs.
Affordable and flexible coverage
Caters to your needs and budgets with different plans.
Attract and retain talent
Good benefits are important to current and prospective employees.
How to decide if this plan is suitable for you.
This is suitable if you want:
✔︎Group insurance coverage for your employees on non-contributory basis.
✔︎A comprehensive, fixed coverage for your employees.
This is not suitable if you want:
✖︎Group insurance coverage for your employees on contributory basis.
✖︎Insurance cover for individual clients or affinity group.
✖︎Insurance cover for more than 30 employees.
(For customisable employees benefits solution, please reach out to us at customercare@tokiomarine-life.sg)
Features of TM Deluxe.
Additional riders to enhance your protection.
Group Critical Illness Insurance
Pays a lump sum benefit upon diagnosis of one of the 37 critical illnesses.
Group Personal Accident Insurance
Extends coverage and pays a lump sum for Death & Permanent Disability due to accidents.
Group Outpatient Clinical Benefits
Offers cashless medical consultations at preferred clinics.
Group Outpatient Specialist Benefits
Reimburses eligible expenses at specialist clinics, diagnostic X-rays and lab tests referred by registered GPs.
Group Outpatient Dental Benefits
Reimburses eligible dental expenses.
This material is not intended as an offer or recommendation to the purchase of any insurance plan. This plan is underwritten by Tokio Marine Life Insurance Singapore Pte. Ltd. and is only available through our authorised distributors. Please refer to the Policy Contract for the precise terms, conditions, and exclusions of this insurance.
Policies are yearly renewable, subject to the agreement of the company. Premiums payable for this insurance policy are not guaranteed and may change at Policy Renewal Date at our full discretion. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs, and the surrender value payable may be less than the total premiums paid. Buying a health insurance policy that is not suitable for you may result in inadequacies in your healthcare financing arrangements. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
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 the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information shown in this material is for reference only and is correct as at March 2026.
Group Medical Insurance
Enjoy extended medical coverage for your employees
International Private Medical Insurance Cover
Borderless coverage for expatriate employees
TM Corporate Hospital Cash
Giving your employees a peace of mind in times of need
Group Life Insurance
Give your employees peace of mind to be at their best
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