Employee Medical Insurance

Frequently Asked Questions


Is there a minimum number of employees to enroll for employee group medical insurance?

  • Employers can enroll in a plan even if they have 2 employees.

Is a medical examination required to enroll an eligible employee?

Customize employee medical benefit

  • An employee needs to answer a health declaration form if the group size is less than 12 employees. A further medical examination may be required if the underwriter deems it necessary.
Package Plan
  • General health declaration is required in the application form, no medical examination is required for an eligible employee.

Our staff is excluded from our group critical illness coverage due to his pre-existing condition of having a diabetic history. Can we appeal? Can we pay an extra premium to include him?

Once an employee is excluded from the policy, it will be a challenge to include him onto the policy due to his pre-existing condition. We still can appeal to the underwriter to include him, and these are the three possible result we may get after the appeal Firstly, the insured will have to obtain a medical report from his attending doctor to certify his current condition and the member will have to bear the examination cost from his own pocket. Three possible results from the underwriter

  1. The case is still decline
  2. Extra loading of premium may apply
  3. Extra loading of premium apply, still exclude diabetic condition and all illness that may be caused as a result of this condition.


Can I do e-claim submission?

  • For group size with more than 20 employees, we can arrange e-claim submission for group hospitalization benefit, GP, specialist, and Dental.