Health Insurance for Startups: Build Your Coverage

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

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Cigna Leaf

Health Insurance for Startups: Caring for Employees’ Health and Well-Being

For many young businesses, attracting and keeping the right talent is a real challenge. The success of a start-up is closely linked to how well it supports its people, which is why many founders explore health insurance for start-ups early on. When a start-up builds a culture that prioritizes employee health and wellness, it strengthens morale, stability, and long-term growth.
greenLeaf

Cigna Care Connect: Health Insurance Plan for Start-Ups (2–19 Employees)

The moment you begin hiring, you take on a duty of care to your team. To support this, Cigna Healthcare Singapore offers a simple and flexible plan made for small teams. It is designed for founders looking for reliable health insurance startup solutions that are easy to administer and scale.

Supporting Employers

Flexible Plan

Flexible plan design with inpatient coverage (core) and optional modules for outpatient, maternity, preventive care and dental coverage.

Easy Admin

Simple administration through a dedicated employer online portal.

Effective Monitoring

Tools for effective monitoring of employee claims and fraud investigation.

Health & Well-Being

Value-added employer services, including well-being programs for employees.

Caring for Employees:

Convenient Care

Access to over 800 panel doctors, quick referrals to private specialists, and seamless inpatient care.

Cashless Treatment

Hassle-free, cashless payments with direct billing and paperless claim submissions via the online portal or mobile app.

Access to Telehealth

Telehealth services are supported through the Cigna Virtual Clinic.

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As your start-up expands, your insurance needs will evolve. Many growing businesses consider flexible start-up business insurance options to support changing team sizes and operational needs. Cigna Healthcare Singapore is ready to support you at every stage with plans designed to grow alongside your business.

Easy Administration With the Cigna Care Connect App

Managing group health coverage becomes easier with the Cigna Care Connect mobile app. This secure, all-in-one platform supports both employers and employees, making it suitable even for start-ups or early-stage companies without a dedicated HR team. It also reflects the simplicity and efficiency valued in many insurance tech start-ups today.

For Employers / Administrators

  • View member and dependent details
  • Run membership reports and policy agreements
  • View policy benefits
  • Update employee records
  • Manage memberships and track usage

For Employees

  • Submit and track claims
  • Access and print e-cards
  • Upload claim documents
  • Apply for Guarantee of Payment
  • Check annual limits
  • Locate healthcare providers
  • Schedule appointments
  • Contact Cigna Healthcare for 24/7 support

Frequently Asked Questions

Are employers required to provide medical health insurance in Singapore?

Group health insurance is commonly offered as part of a competitive Total Rewards package. Medical insurance is required for work permit and S Pass holders.

What if I'm a solo entrepreneur?

Individual health insurance may be more suitable if you currently have no employees. When you begin hiring, you can move to a start-up group health plan.

Do I need dedicated staff to manage the plan?

Not necessarily. Many founders manage their plans through the Cigna Care Connect online portal and mobile app without needing a full HR team.

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.

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