Why Your Staff Expect Group Medical — Even If They Don’t Say It
Many companies still treat Group Medical or Group Hospitalisation Insurance (GHS) as a bonus benefit, not a standard offering. But in today’s talent market — especially in Singapore — your staff may not be voicing it, but they are silently expecting it.
1. It Signals That the Company Cares
In exit interviews and job-switching surveys, one pattern stands out: people leave when they feel disposable. A decent GHS plan tells employees their health matters and the company is willing to protect them beyond just their paycheck.
2. It’s Becoming an Industry Standard
In most sectors like tech, finance, F&B, and even SMEs with 10–20 staff, GHS is already the norm. Candidates are comparing your offering with others. If you don’t have a plan, it immediately puts you at a disadvantage.
3. Younger Employees Expect It
Millennials and Gen Zs don’t just want high pay; they want healthcare, mental health support, and wellness. A GHS plan is the first box they tick when evaluating company benefits.
4. MOM Guidelines Nudge You There
While GHS isn’t mandatory for all staff (unlike FWMI for foreign workers), MOM has repeatedly highlighted the importance of basic medical benefits. HRs who preemptively offer this are seen as proactive and compliant.
5. It Reduces HR Firefighting
Without a GHS plan, HR will end up troubleshooting ad-hoc claims, processing outpatient subsidies, and handling emotional employee cases. One simple corporate plan reduces the admin burden and centralises care.
In Summary:
Even if no one complains, the lack of Group Medical coverage can quietly affect morale, retention, and recruitment. Offering it shows maturity and competitiveness.
Ready to give your team the protection they deserve?
Reach out today for a no-obligation review of your company’s current medical benefits. Let us show you how an affordable Group Hospitalisation plan can uplift morale and reduce HR stress.
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