Why Your Staff Expect Group Medical — Even If They Don’t Say It
Nobody says it out loud — but your employees are watching.
When they join a new company, they’ll scan the benefits. Maybe they won’t complain. Maybe they’ll even say “it’s fine.” But when they notice there’s no Group Medical Insurance, it sticks in their minds.
It might not be a dealbreaker today. But it plants a seed.
1. A Signal That’s Louder Than You Think
Medical coverage — even the most basic kind — tells your people something simple but powerful: “We care if something happens to you.”
When it’s missing, the silence is deafening.
People rarely leave because of one issue. But a lack of care, even if unspoken, adds up. And once they spot another employer offering full benefits? They’re already halfway out the door.
2. GHS Isn’t Just for Big Companies Anymore
Gone are the days when only MNCs offered hospitalisation coverage. SMEs in Singapore — even lean teams of 10 or 15 — are jumping onboard. Why? Because recruitment is competitive, and medical benefits are an easy win.
It’s no longer a “wow” benefit. It’s just expected.
3. Younger Staff Are Quietly Benchmarking You
Millennials and Gen Zs don’t always speak up — but they compare. And benefits like mental health access, medical coverage, and wellness support are high on their list.
They might accept your offer without Group Medical Insurance, but they’ll keep looking.
4. MOM May Not Enforce It, But They Nudge Hard
There’s no law forcing you to buy GHS for locals, unlike FWMI for Work Permit holders. But that doesn’t mean you shouldn’t.
MOM encourages responsible employers to go beyond the bare minimum. And the companies who do — especially early — stand out in all the right ways.
5. HR Without GHS = Headaches on Standby
Without insurance, every staff health issue becomes an HR problem.
You’ll be handling claims manually. Figuring out ad-hoc reimbursements. Dealing with emotionally stressed employees. And sometimes… shouldering guilt.
One proper GHS plan can make all that go away.
In Summary:
You don’t need a complaint to know there’s a gap.
If your company skips Group Medical Insurance, you might save a bit now — but it could cost you a lot later. In staff loyalty, morale, and time.
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