DearTime makes employee insurance affordable, simple, and accessible through fully digital means and restores the quality of life of your employees in times of need.


Show your employees you care. Here’s what we offer


No Commission
We sell insurance directly to you with instant quotation and without any third-party commission.

No Tax
We offer employee insurance as individual policies, not group policies, hence 6% tax is exempted.


Easy Management
Edit coverage and staff whenever you like. Employee insurance auto-renews with a full quotation.

Easy Claim
Your employee scans face to claim directly from us without needing to claim through the employer.


With DearTime, every SME and Start-up can afford employee insurance.

Manage your employee insurance wherever you are. Live chat/call for assistance.

Why Should I Buy Employee Insurance?  

Show your employees that you care

Offering employee insurance demonstrates your company’s stability and care for employees.

Foster stronger employee appreciation

Adequate employee insurance gives your employees a reason to stay loyal to your company.

Boost morale & productivity

Employee insurance gives your employees a peace of mind in case of any mishaps during work.

Minimise business disruptions

Your employees can get immediate medical treatment for a speedy recovery to return to work.

Enjoy tax exemption & deductible

Insurance premiums are exempted from 6% tax and are tax deductible as allowable expenses.

How It Works

Our end-to-end process is fully digitalized, making it convenient and effortless for you and your employees


Add employee and pay premium online.

Add Employees
Add employees one at a time or download excel template for bulk adding.

Pay Premium
FPX payment method (for new employees, their in-app acceptance is required).

Employee insurance auto-renews upon next due date with instant full quotation.


Manage employee Insurance online.

Remove Employee
Select the employees you want to stop paying premiums for and remove.

Edit Coverage
Increase/decrease coverage anytime (for coverage increase, employee’s in-app acceptance is required).

Edit Due Date
Choose your desired premium due date and premium frequency.


Employee claims directly, no action from employer.

Scan Face
Employees choose the coverage to claim and scan their face for verification.

Flash Code
A unique claim code will appear. Employees flash it at our panel hospital.

Wait For The Money
No further action. Approved claim money is deposited within 7 days.

We offer life insurance products that are pure protection and easy to understand.

Medical bills increase by 10% every year. Put your mind at ease and focus on recovery while we take care of your medical bills.
You can rest in peace with adequate death coverage to support your family if the untoward happens.
Cancer hits 1 in 2 people. We cover you from 45 critical illnesses including the top 3 – cancer, stroke and heart attack.
You cannot predict accidents. If an accident claims your life or renders you fully disabled for life, we got you covered.
Becoming disabled may affect your everyday activities and livelihood. We cushion you from the changes you go through in the event of total permanent disability.

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