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员工医疗保险福利：为什么它如此重要？Employee Health Insurance Benefits: Why They Are Essential for Your Business？

在如今各种炫目的新兴福利层出不穷的时代，员工医疗保险这类“常规”福利似乎容易被忽视。然而，医疗保险作为许多企业福利平台的基础，依然是吸引和留住优秀员工的重要工具。

对于企业来说，提供员工医疗保险不仅是对员工健康的保障，更是一种提升企业形象和竞争力的关键手段。

为什么员工医疗保险对企业和员工如此重要？

1. 医疗费用高昂，保险成为“刚需”

医疗费用的不断上涨让保险成为大多数员工求职时关注的首要福利之一。以美国为例，每年的医疗支出约为3.5万亿美元，是1960年的12,300%。即使是在医疗成本相对较低的国家，医疗质量的提升同样增加了费用。

一项调查显示，73%的员工从雇主处获得某种福利，其中55%认为医疗保险是最重要的工作满意度因素。

2. 医疗保险是吸引人才的“必备”福利

根据Glassdoor的研究，健康保险福利的吸引力超过了带薪假期和养老金计划。如果一家企业没有提供医疗保险，可能会错失顶尖人才。

提供员工医疗保险的五大好处

1. 简单易行

如今市场上有许多保险公司提供多种企业医疗保险解决方案，无论企业规模大小或行业类型，都可以找到合适的计划。
许多代理商和经纪人也能协助企业轻松完成选择和申请流程，简单的计划甚至可以快速上线运行。

2. 提高员工生产力

根据MetLife的一项研究，60%的雇主发现医疗福利有助于提升员工生产力。健康的员工不仅能够高效完成工作，还更能避免因工作压力导致的倦怠。
扩展保障范围至员工的家属也有助于减轻他们的家庭负担，让员工更加专注于工作。

3. 让治疗变得更方便

许多知名保险公司提供直接结算服务，员工在需要治疗时可以省去繁琐的流程。此外，一些服务优质的保险公司还能帮助员工快速找到合适的医生或医疗机构。

4. 提升企业吸引力

医疗保险福利长期以来一直是员工最看重的福利之一。为员工提供医疗保障不仅可以增强企业对优秀人才的吸引力，还能有效提升员工忠诚度和满意度。

5. 灵活应对企业增长

企业发展过程中，员工福利需求可能随之变化。幸运的是，大多数团体医疗保险计划仅为一年期合同，每年续签时可以根据企业需求调整覆盖范围。例如，当企业从本地扩展至海外市场时，只需调整计划即可覆盖新的业务需求。

常见问题解答

1. 什么是员工福利中最受欢迎的项目？

最受欢迎的员工福利包括养老金计划、带薪休假和医疗保险。其中，医疗保险通常被视为吸引和留住员工的关键因素。

2. 团体医疗保险与个人医疗保险的区别是什么？

个人医疗保险仅覆盖投保人本人，而团体医疗保险则覆盖整个员工团队。团体保险的覆盖范围相同，但通常比个人保险更具成本效益。

3. 旅行保险和国际医疗保险的区别是什么？

旅行保险针对短期出行，覆盖健康及旅行取消等意外情况；而国际医疗保险则为长期海外工作或生活的人群提供全面保障。

如何向员工强调医疗保险的重要性？

对于那些不认为健康保险重要的员工，可以通过以下方式说明其价值：

  1. 个人承担医疗费用的高昂成本
    如果员工单独购买保险或自费支付医疗费用，可能会严重影响储蓄或财务状况。通过企业团体保险，不仅可以降低个人成本，还能为员工提供更全面的保障。
  2. 医疗费用的直接影响
    向员工展示各国的医疗费用差异，以及保险计划如何帮助他们节省这部分开销。

总结

为员工提供医疗保险是企业的一项长期投资。它不仅能有效保障员工的健康，还能显著提升员工满意度和生产力，增强企业的吸引力和竞争力。

如果您的企业希望为员工配置医疗保险，但不知道从哪里开始，欢迎联系Katrina。Katrina及团队将为您提供专业建议，帮助您找到最适合的保险计划。

 

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Katrina Cao Shaoxin曹少辛

长期居住在新加坡的宝妈一枚，是一名专业的独立财务顾问，就职于新加坡最大的独立财务公司，鑫盟理财（Financial Alliance)，代理17家人寿保险，33家财险，11家投资平台，70多个基金公司合作，始终站在客户立场，为客户规划最优方案。

专注于做外国人及新移民在新加坡的资产及保险配置，以及企业特别是出海的初创企业在新加坡的财险以及员工福利配置。

崇尚素质教育，更热衷于IB体系，孩子的教育归根于玩中学，并在玩中触发孩子对学习的热爱并自觉探索。希望有相同理念的家长可以共同讨论孩子教育。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策