Corporate > Employee Benefits


We care enough to know that life is fraught with risks. Risks that could affect your life and the lives of your loved ones. In this ever-changing world, products are revised regularly to cover the various aspects of increasing risks. It is every individual's concern on the escalating medical costs versus quality healthcare. Whilst we cannot prevent illnesses or accidents from happening, we can safe guard an individual, the employer or even the employees savings from high medical cost and also giving everyone a peaceful mind.

Contact our Benefits @ARF to find out what are the packages available to you.

Hospital & Surgical Insurance

Covers hospital expenses, surgical expenses and emergency accident outpatient expenses incurred as a result of accident, sickness or disease commencing or occurring during the period of insurance.

Major Medical Insurance

In Singapore, the leading causes of death are cancer, which afflicts 27% of the population, and heart disease, which attacks 25% of the people. A further 11% are hit by stroke and 7% by accidents.

Some killers, like cancer, can strike at any age. For instance, while the most affected are in the 40-59 years old age group, a substantial 22% of deaths of children in the age group of 5 to 14 yrs old are caused by cancer. Protect you and your family from facing the financial struggle with a critical illness policy.

Out-Patient Insurance

Pays consultation fees and medical bills incurred due to illness. Requiring the attention of a general practitioner or a panel of doctors in a corporate plan coverage.

Personal Accident Insurance

Covers you for bodily injury or death arising from an accident.

International Health

More details to come soon...

Foreign Worker Medical Insurance

Taking good care of your workers will ensure the smooth running and success of your business operations. It will take care of the needs of your foreign workmen while protecting your business from disruptions in the event of illnesses or accidents.

Why Work with An Intermediary?

Your agent is your partner, make sure you have the protection you need.

Outstanding Service

When you have an accident, you want to know you'll be treated right.

Online Tools & Services

From our mobile app to online payments to paperless billing policies, we have the options so you can manage your policy, your way.

Contact Centre

(65) 6717 1111
Operation Hours:
9am - 5pm
Everyday including Weekends and Public Holidays

Customer Service Centre

7 Maxwell Road #01-100
Annexe B MND Complex
Singapore 069111
Operation Hours:
Monday - Friday (9am - 5pm)
Saturday (9am - 1pm)