MediShield Life, Shield plans and company cover: who pays what
Staff can hold three kinds of hospital cover at once. Here is what each one does, how a bill is shared between them and what HR can tell staff.
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Straight talk on employee benefits
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Practical reading for Singapore employers, organised by topic.
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Cover explainedCovering spouses and children: how dependant cover works
Many company plans let staff add a spouse and children. Here is which covers can include them, who counts, who pays and when to add them.
Business insuranceWhy the value you declare for office contents matters at claim time
If your office contents are insured for less than they would cost to replace, the insurer can cut a claim in proportion, even a small one.
Business insuranceIf you closed for a month: how business interruption cover works
Business interruption cover replaces income lost while you recover from damage, if the trigger, the time limit and the amount are set up correctly.
Buying guidesWriting benefits into a job offer: what to say and what to leave out
Tell candidates which covers they get, from when, and where the details live. Leave out anything only the insurer decides, and recheck it every renewal.
Buying guidesOne plan for everyone, or different levels? Setting tiers fairly
Group plans can give different staff groups different cover. Tiers stay fair when they follow roles, apply to everyone in a role and are easy to explain.
ClaimsSeven reasons medical claims get turned down, and how to avoid them
A turned-down claim costs the employee money and HR time. Here are seven reasons, each with a fix you can put in place before the next claim.