An employee is leaving. Here is what happens to their company cover, what they can still claim, what to tell them and what HR should close off.
Company medical cover is short-term cover that ends when the person stops working for you. Group life cover usually ends with the job too. The exact end date is set by the policy wording, and it is not always the last working day, so we check it for each leaver, along with the end date for any family members on the plan.
What can still be claimed
Treatment received while the person was still covered can usually still be claimed after they leave, but only within the policy's time limit. Some limits are short, as little as 30 days from the visit, so outstanding receipts should go in quickly.
Whether a leaver can continue their life cover, or convert it into a personal policy, depends on the plan. Some group life plans offer an add-on the employer can buy: if an employee's service ends on medical grounds, their death and total and permanent disability cover continues for a period, such as up to 12 months. We check what your plan allows before the last day. Our term life page explains how group life cover works.
Tell the leaver early
As soon as the last day is confirmed, warn them that their cover is ending, so they have time to arrange their own. A new personal policy usually excludes conditions a person already has, so a gap can matter.
Singapore Citizens and Permanent Residents keep MediShield Life whatever their job; our post on how the three layers fit explains the rest.
Give them the date cover ends, the claim deadline, how to send in outstanding receipts, and a contact for questions.
HR checklist
- Tell us the last day of employment in writing as soon as it is confirmed.
- Have the person, and any family members, removed from the member list, and keep the insurer's acknowledgement.
- Expect a premium adjustment. Some plans refund the unused days' premium straight away; others settle all joiners and leavers once a year. We tell you which way your plan works.
- Collect any physical medical card and confirm when app or e-card access ends.
- Keep their benefits records private and for no longer than needed; our census checklist covers the data side.
For a Work Permit holder, the Ministry of Manpower releases you from the security bond only once its own conditions are met, which our Work Permit guide sets out.
If your plan is with Bene, tell us when someone leaves. We update the insurer, confirm the end date and check the premium adjustment.
Sources checked 23 October 2026.
