Legacy wellness portals suffer from <15% engagement while group medical premiums inflate 16.9% a year. Care+ Corporate Wellness equips every employee with a Care+ Band or Care+ Ring, a programmable S$300–S$1,000 Flex$ Smart Wallet, a 2x Care+ Points Multiplier, and closed-loop clinical care across 70+ Raffles Medical clinics.
Give your people the freedom to invest in their own preventive health—while HR and Finance retain 100% control over eligible categories, annual caps, and real-time budget utilization.
Allocate Flex$ budgets by job grade, department, tenure, or country entity. Automatically pro-rate balances for mid-year joiners and set custom co-pay or rollover rules in minutes.
Employees never have to pay upfront when booking inside the Care+ app or checking in via QR code at 70+ Raffles Medical clinics, dental practices, and diagnostic centers.
Unlike legacy step challenges that only subsidize marathon runners, Care+ rewards every employee with 2x Care+ Points for verified physiological and preventive actions:
Pure-play wellness apps have no doctors, no clinics, and no labs—so when a screening flags high blood pressure or pre-diabetes, employees leak into expensive out-of-network specialist claims. Care+ closes the loop inside one unified clinical system.
Provide every employee with round-the-clock video consultations with salaried Raffles Medical Group (RMG) physicians at a flat S$15 corporate rate, complete with 3-hour doorstep medication delivery across Singapore.
Traditional BYOD smartwatch programs fail because 27% of patient-days are lost to nightly watch charging. Every S$9.50 PEPM corporate enrolment includes a screen-free Care+ Band (S$0 upfront) or Care+ Ring (S$29 co-pay or Flex$ deduction; S$0 on Executive plans).
20% of rising-risk employees drive 80% of corporate inpatient and surgical claims. Sponsor or allow employees to spend their Flex$ wallet on physician-supervised reversal pathways at a 10% corporate discount:
Built with strict architectural separation under Singapore PDPA and medical confidentiality laws: HR never sees individual employee biomarkers, while gaining board-ready cohort intelligence (for groups n ≥ 25):
Adjust your workforce headcount, corporate plan tier, and annual Flex$ allocation below to estimate your active employee participation, chronic risk interception, and projected claims + productivity savings.
Based on Care+'s verified 10,000-life Singapore corporate actuarial model (WTW 2026 medical inflation baseline).
Start with our S$9.50 PEPM base workforce enrolment, layer on configurable Flex$ wallets by employee grade, and deploy targeted chronic reversal pathways where clinical need is highest.
Turnkey 365-day biometric monitoring, 2x rewards multiplier, and 24/7 Raffles Medical primary care access for every employee.
Full closed-loop executive & workforce benefits combining Titanium Care+ Rings, biannual labs, and programmable Flex$ wallets.
Targeted 6M & 12M clinical pathways for high-risk metabolic, hypertension, and burnout cohorts—payable via employer subsidy or employee Flex$.
| Capability / Dimension | Legacy Corporate Wellness Portals | Insurer Step-Count Apps (e.g. Vitality 1.0) | Care+ Corporate Wellness & Flex$ |
|---|---|---|---|
| 1. Wearable Hardware & Data Completeness | BYOD only; 80%+ of staff never connect a device. | Employee buys S$500 smartwatch; 27% nightly charging dropout. | Day-1 Care+ Band (S$0) or Titanium Care+ Ring included; <7% dropout & 98% signal completeness. |
| 2. Flexible Benefits Wallet (Flex$) | Manual PDF receipt uploads; weeks of HR spreadsheet checking. | None — disconnected from flexible benefits administration. | Native S$300–S$1,000 Flex$ Smart Wallet with 1-tap cashless RMG clinic checkout & 5s AI receipt OCR. |
| 3. Rewards Multiplier & Engagement | <15% monthly engagement; one-off step challenges fade in 4 weeks. | Subsidizes already-fit marathoners with external coffee/movie vouchers. | 2x Care+ Points Multiplier gated on sleep, HRV & screening completion — driving 74% monthly active use. |
| 4. Clinical Primary Care & Chronic Reversal | Chat coaches cannot diagnose, order labs, or prescribe in Singapore. | Flags risk at annual checkup, then leaks patient to high-cost external specialists. | 70+ Raffles Medical clinics, S$15 24/7 Teledoctors (3-hr Rx delivery), plus S$243 BP & S$378 CGM tracks. |
| 5. Net Actuarial Impact on Group Medical | Soft survey estimates only; zero verified claims compression. | 0.8x–1.3x ROI; high voucher leakage offsets morbidity gains. | Verified 3.27x Actuarial ROI (-7.1% Medical Loss Ratio reduction) with board-ready insurer renewal packs. |
n ≥ 25 employees.
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