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新加坡公司员工险：为员工健康保驾护航

最近发现，越来越多的外国伙伴们选择到新加坡创业！刚开设公司时，通常只有1至5名员工，大多租用共享办公空间，甚至有些直接选择居家办公。

我完全理解这些创业初期的伙伴们所面临的种种困难，也会尽力为你们提供最贴心的服务与保障。那么，对于刚起步的小公司，应该考虑购买哪些保险呢？为了保护好你们的公司，首先为员工购买团体医疗保险是必不可少的！

选择团体医疗险时，作为公司老板或HR需要重点了解以下几个方面：

 

1. 保险覆盖范围

  • 本地医疗保险：主要涵盖新加坡境内的医疗保障。
  • 国际医疗保险：提供亚洲、全球（不包括美国）、全球（包括美国）等多种不同保障范围。

 

2. 保障项目

  • 基础医疗保险：提供基础的员工医疗保障，涵盖住院和门诊服务。
    • 住院保障：额度一般在S$6万至S$25万之间。
    • 门诊保障：全科医生的费用通常会在保单限额内赔付，但看专科医生的费用可能有限额，部分计划甚至不包含专科医生的费用。此外，保险计划还可能对网络医院和非网络医院的就诊次数设置不同的限制。大多数专科医生的就诊通常需要提供全科医生的推荐信。
    • 全面医疗保险：提供全面的福利保障
    • 住院：额度较高，通常在S$25万至S$100万之间。
    • 门诊：普通门诊和专科门诊的赔付上限较高，部分计划甚至不需要医生推荐信即可就诊专科。
    • 孕产：通常涵盖顺产、剖腹产等复杂情况，是女性员工及其家属的重要福利。
    • 体检与疫苗：提供定期体检和疫苗接种保障。
    • 牙科：覆盖常规牙科治疗。
    • 眼科与眼镜：包括视力检查、眼科治疗及眼镜费用。
  • 人寿、重病及意外保险：部分公司在为员工配置医疗保险时，也为员工额外配置了人寿、重病及意外险的保障，为员工提供更全面的保障。

 

3. 保障对象

  • 仅员工保障：只保障员工本人。
  • 保障员工及其家属：涵盖员工及其配偶和子女的保障。

 

4. 保费（按年缴付）

  • 基础医疗保险： 保费通常在S$300-S$700。团体计划的保费还取决于团体规模和平均年龄，通常以小团体规模和标准体进行估算。
  • 全面医疗保险： 由于保障全面、限制少、保障额度高，保费相对比基础医疗保险要高。以30多岁员工为例，基本门诊+住院，保费大致在S$700-S$2000左右，牙科附加险约S$200-S$500，体检疫苗在S$90-S$200，孕期保险即使保障相近的情况下各家保费都相差较大，从S$400-S$4000都可能。
  • 国际医疗保险： 由于保障全面、限制少、保障额度高，相应保费较高。以30岁员工为例，基本门诊+住院的计划，保费大约在S$5000-S$7000左右。

 

最后，为您的员工提供团体保险是企业表达关怀的一种方式。它不仅为员工提供了工作内外的健康和意外保障，也彰显了公司对员工长期福祉的关注。特别是对中小企业（SME）来说，团体保险计划具有高度灵活性，保费灵活且具有成本效益，可根据企业的实际需求量身定制合适的保障方案。

如果您对新加坡员工团体医疗险有任何疑问或需要个性化的咨询，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

 

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 unbiased 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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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