Care+ › Care+ for Corporates › Reduce Group Medical Claims (ROI)
CFO & HR playbook · Interactive ROI calculator

Bend your group medical loss ratio before the next renewal.

Group medical costs in Singapore are rising about 16.9% a year. Claims fall when risk is caught early and routine care is triaged well. Care+ does both, every day of the year.

Calculate your Care$ ROI

Care+ Corporate Essential

< S$10 / employee / month

Starts from under S$10 on annual corporate contracts

Annual Health ScreeningIncluded
Care$ smart walletIncluded
24/7 Singapore doctorsS$15 tele-MD
HR Manager PortalIncluded
Member-discount add-ons6 cards

Three levers that move the loss ratio

From passive claims processing to active risk management.

Lever 1

365-day biometric monitoring

Wearables and the annual screening surface rising blood pressure, glucose and lipids months earlier than symptoms do.

Lever 2

S$15 24/7 tele-MD triage

Routine and after-hours issues go to a doctor in under a minute instead of drifting to A&E or specialists.

Lever 3

Chronic care pathways

Hypertension, pre-diabetes and dyslipidemia are managed with home devices, labs and physician titration.

How the ROI model works

The same model used in the calculator on plus.hq.care/corporate.

Input / outputHow Care+ models itWhere to see it
Headcount & planYour workforce × plan rate (from under S$10 / employee / month)ROI calculator
Care$ wallet poolPer-employee allocation, pass-throughROI calculator
Claims savingsEarly interception + tele-triage vs. A&E/specialist driftROI calculator
ProductivityAbout 1.9 fewer sick days per employee per yearROI calculator
ROI multipleGross savings ÷ platform cost1-page CFO / Board PDF

Frequently asked questions

Straight answers for Singapore buyers.

How can a Singapore company reduce group medical insurance claims?

By catching chronic risk early and triaging routine care well. Care+ combines annual screening, continuous wearables, S$15 24/7 tele-MD and chronic care pathways to reduce avoidable outpatient, A&E and specialist claims.

What is a group medical loss ratio and why does it drive renewals?

It is claims paid divided by premiums. When it rises, insurers raise renewal premiums. Lowering avoidable claims gives employers a stronger position at renewal.

How do I estimate the ROI of Care+ for my company?

Use the interactive ROI calculator on plus.hq.care/corporate. Enter headcount, plan and Care$ allocation, then export a 1-page CFO / Board PDF summary.

Launch a 30-day Care+ pilot for 50 employees.

Starts from under S$10 / employee / month with Annual Health Screening, Care$ wallets and live HR Manager Portal analytics.

ROI calculator

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