- For SME and Groups
- For Individuals
Group Health Insurance
About Cigna Healthcare
Small and Medium-sized Enterprises
Small and Medium Business Group Health Insurance Plans
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Why Choose Cigna Healthcare for Your Small Business
Small and medium-sized enterprises (SMEs) carry the same duty of care as large organizations—just without the same resources. As an employer, you want to offer group health insurance for employees, but you may be concerned about the cost or administrative workload. Many small business owners also wonder whether affordable plans even exist.
That’s why Cigna Healthcare’s has designed group health insurance plans for small businesses that are simple, flexible, and cost-efficient—giving you and your employees the support you need without unnecessary complexity.
Customized Health Plans for SMEs
Our small business group health insurance plans are ideal for organizations with 20 to 149 employees that value flexibility and ease of administration.
| Cigna Care Connect | Cigna Prime | |
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Coverage |
Local group health coverage for employees residing in Singapore |
International coverage for employees both at home and abroad |
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Suited For: |
Small businesses with Singapore-based employees who do not travel for work |
Small businesses with overseas offices, expatriate hires, or frequent business travellers. |
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Employer Benefits: Ease & Efficiency Cigna’s SME solutions are built to simplify the workload for small business owners and HR teams seeking reliable employer group health insurance. |
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Easy administration via our online portal and mobile app |
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Cost management solutions, including claims monitoring and fraud investigation |
Also includes global network with preferred rates | |
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Access to a global network with preferred rates |
Employee-centric wellbeing programs | |
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Full health and well-being programs |
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Clinical and case management support |
Access to Cigna’s 100+ in-house doctors and nurses | |
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Employee Benefits: Care & Convenience Our plans offer comprehensive support that enhances employee satisfaction and retention. |
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An extensive network of healthcare providers |
Easy access to over 800 panel doctors islandwide | Global access to over 1.7 million healthcare professionals, specialists, and hospitals |
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Cashless transactions via direct billing |
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24/7 customer service |
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Multi-lingual and multi-currency support |
International support in multiple languages | |
Get a Quote for Your Small Business
Let our consultants prepare a customized group health insurance plan for small business owners that meets your organizational needs.
Easy Administration with the Cigna Care Connect App
Managing small business group health insurance is easier with the Cigna Care Connect mobile app—a secure, one-stop platform offering fast access to benefits and administrative functions.
For Employers / Administrators
- View member and dependent details
- Run membership reports and policy agreements
- View policy benefits
- Update employee records
- Manage memberships and plan usage
For Employees
- Submit and track claims anytime
- Access and print personal e-cards
- Upload paperless claim documents
- Apply for Guarantee of Payment
- Track annual limit balances
- Locate clinics using the provider locator
- Schedule appointments with specialists
- Contact Cigna for 24/7 support
Frequently Asked Questions
Is group medical insurance for small businesses a regulatory requirement?
While not mandatory for all employees, offering group health insurance for employees is a widely recognized best practice among Singapore SMEs. It supports employee well-being, productivity, and talent retention.
Medical insurance is required for hiring Work Permit and S Pass holders.
How many employees do I need to have to qualify for Cigna’s SME plans?
Our group health insurance plans for small businesses are designed for SMEs with 20 to 149 employees.
For companies with fewer than 20 employees, we recommend our start-up health insurance plan.
Larger organizations (150+ employees)may explore our enterprise solutions..
How does Cigna's small business health insurance differ from plans for large companies?
Small group plans may differ in coverage levels, but all Cigna customers—start-ups, SMEs, and MNCs—receive the same commitment to service quality, employee health, and peace of mind.
Whether your business needs local employer group health insurance through Cigna Care Connect or global benefits through Cigna Prime, our approach remains consistent.
Have a Question Unanswered?
Check out our full FAQs or contact us for assistance.
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 General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg)
You may wish to seek advice from a qualified adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing it, you may terminate the policy in accordance with the free-look provision, if any, and we may recover from you any expense incurred by us in underwriting the policy.
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Cigna Europe Insurance Company S.A.-N.V. Singapore Branch (Registration Number: T10FC0145E), is a foreign branch of Cigna Europe Insurance Company S.A.-N.V., registered in Belgium with limited liability, with its registered office at 152 Beach Road, #33-05/06 The Gateway East, Singapore 189721.
The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, and not by Cigna Corporation. Such operating subsidiaries include Cigna Europe Insurance Company S.A.-N.V. Singapore Branch.
