Employee Benefits Programs
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.
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. Can we appeal? Can we pay an extra premium to include him?
The case is still decline
Extra loading of premium may apply
Extra loading of premium apply, still exclude diabetic condition and all illness that may be caused as a result of this condition.
Can we enroll for outpatient benefits (GP and Specialist) only?
Outpatient benefits such as GP, Specialist and Dental are riders to Group Medical Insurance. As such you can not sign up the riders without Group Medical Insurance.
We only want to include dependents coverage for selected employees. Is this allowed?
You can select ALL employees in the same category to include dependents coverage. But you can not hand pick which employee to have dependents coverage.
Can I do e-claim submission?
- We can arrange e-claim submission for GP, Specialist, and Dental claims
Group Term Life
Can we add dependents for Group Term Life and Critical Illness Benefits?
Only full-time employees under the company's payroll is eligible for Group Term Life and Critical Illness benefits.