Insurance Services

Property insurance protects your home, its contents, and your liability as a homeowner or landlord. AXIS LINK arranges cover for HDB flats, private condominiums, landed properties, and commercial premises — with sums insured tailored to current replacement costs.

Plans may be structured as building-only, contents-only, or combined policies. Renovation cover is available for ongoing works. Landlord extensions cover rental loss and tenant liability.

• HDB, condo, landed and commercial properties
• Building structure and fixtures cover
• Contents and personal belongings
• Third-party liability as homeowner
• Renovation and alteration cover
• Landlord loss of rental extensions

Health coverage in Singapore operates in layers: MediShield Life (mandatory), Integrated Shield Plans (ISP) that provide access to private hospitals and specialists, and personal accident cover for non-illness injuries worldwide. AXIS LINK helps clients navigate all three layers to ensure there are no gaps.

Employer group health schemes are arranged for teams of all sizes, covering outpatient, dental, specialist, and hospitalisation benefits. We also structure employee benefits packages that are competitive enough to support talent retention.

• Integrated Shield Plans and riders
• Group health for employees (outpatient, dental, specialist)
• Personal Accident — 24-hour worldwide cover
• Critical Illness riders and standalone plans
• Hospital income policies
• Group PA for contractors and manual workers

Travel insurance from AXIS LINK covers single trips and annual multi-trip plans for frequent travellers and business professionals. Family plans extend cover to spouse and children under a single premium structure.

• Emergency medical expenses and evacuation
• Trip cancellation, postponement and curtailment
• Baggage loss, delay and personal effects
• Travel delay and missed connection
• Personal accident while travelling
• COVID-19 related cover on selected plans
• Business equipment and work tools cover

Businesses face a distinct set of risks that personal insurance does not cover. AXIS LINK builds multi-line commercial insurance programmes for SMEs and growing enterprises — matching coverage to operational realities.

• Public Liability — injury or damage to third parties
• Products Liability — for goods sold or manufactured
• Professional Indemnity — advice, design, and service errors
• Directors & Officers (D&O) liability
• Commercial property and stock cover
• Business Interruption — revenue replacement
• Cyber insurance for data and digital assets

Under Singapore's Work Injury Compensation Act (WICA), employers of manual workers are legally required to maintain WIC insurance. AXIS LINK ensures your policy is correctly structured to satisfy MOM requirements and covers all relevant employee categories.

• WICA-compliant policy structures for all sectors
• Coverage for local and foreign workers
• Medical expenses, temporary and permanent incapacity
• Death compensation to dependants
• MOM incident reporting guidance
• Group Personal Accident bundle options
• Extensions for non-manual staff and management

Beyond insurance, AXIS LINK offers holistic financial planning guidance. We review your existing coverage portfolio, identify gaps and redundancies, and help structure a financial protection framework aligned with your life stage, income, and long-term goals.

• Insurance needs analysis and portfolio review
• Retirement income planning
• Education savings strategies
• Estate planning considerations
• CPF and Supplementary Retirement Scheme (SRS) guidance