Small and Medium-sized Enterprises
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Small Business Health Insurance

Cigna Singapore makes it easy, efficient and affordable for you to care for your employees.

Why choose Cigna for your small business

Small and medium enterprises (SMEs) have all the duty of care obligations of a larger corporation but without the same resources. As an employer, while you want to provide health and medical insurance to take care of your employees, you may be concerned that it comes with a heavy price tag both in terms of cost and administration time. You may wonder if affordable health insurance for small businesses even exist. We understand.
That’s why Cigna’s SMEs and small business health and medical insurance plans have been specifically designed to make it easy and efficient for you to care for your employees.

Customised health plans

Our small business health insurance plans are ideal for organisations of 20 to 149 employees that value simplicity and flexibility.

Cigna Care Connect

Cigna Prime


Local group health coverage that protects your employees who are residing in SingaporeInternational group health coverage that protects your employees both at home and abroad

Suited for

Small businesses with local employees who do not engage in business travelSmall businesses with overseas offices, expatriate hires or employees who are frequent travellers

Employer benefits: Ease & efficiency

Easy administration via our online portal and mobile app

Cost management solutions including effective claims monitoring and fraud investigation

Also includes global network with preferred rates

Value-adding employee-centric programmes to promote good health and productivity

Full health and well-being programme

Includes health risk assessment, second medical opinion and international employee assistance programme

Clinical and case management support

Access to Cigna’s 100+ in-house doctors and nurses

Employee benefits: Care & convenience

Extensive network of healthcare providers

Easy access to over 800 panel doctors island wide in Singapore

Easy access to over 1.7 million healthcare professionals globally, including private hospitals and specialists

Cash-less transactions

24/7 customer service centre

Multi-lingual and multi-currency support

International support in multiple languages

Get a quote today

Let our consultants prepare a customised small business health and medical insurance plan that best meets your needs.

Easy administration with the Cigna Care Connect app

Managing health insurance for members is now much easier with the Cigna Care Connect mobile app. Our secure, one-stop digital platform provides instant benefits and access by placing common tasks in the palm of your hands.

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, anywhere

  • Access and print personal e-cards

  • Upload paperless claim documents

  • Apply for Guarantee of Payment

  • Keep track of annual limit balances

  • Locate healthcare providers in the vicinity using the clinic locator

  • Schedule appointments with specialists

  • Contact Cigna for 24/7 customer support

Your frequently asked questions

It is common practice to offer group health insurance as part of a caring and competitive Total Rewards package, as most organisations recognise the link between employee well-being and job performance. At Cigna Singapore, we believe that investing in small business group health insurance plans can create significant returns for SMEs, especially those that are committed to attracting and retaining the right talent. Medical insurance is required for the employment of work permit and S Pass holders.

Every life is important, so we believe that no company can be too small for group health insurance. Our small business health insurance plans are designed for SMEs with 20 to 149 employees. If your organisation has a headcount that is smaller than that, we recommend considering our health insurance plan for start-ups instead. We also have group health insurance plans designed for larger companies with 150 employees and more.

A small group health insurance plan is likely to differ from larger plans in terms of extent of coverage. However, all our group health insurance plans, whether for start-ups, SMEs or MNCs, are based on the same commitment to improving your health, wellness and peace of mind. Our plans are designed to meet your specific needs, such as whether your company prefers to offer global employee health benefits with Cigna Prime or local employee health benefits with Cigna Care Connect. The service quality and customer experience that our customers receive are consistent.

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 ( or

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.