公司的集体保险大都由各个保险中介公司瓜分了,在你进行额外私人投保之前,多少了解一下公司的集体保险是完全必要的。千万说明一点,我不是卖保险的,我这里只能依葫芦画瓢,说说本公司的集体保险政策。不足之处,请充分略过。好了,一般的良心公司会给员工买一个集体保险Group  Hospital & Surgical (H&S),除此以外,再良心一点的公司还会买一个叫Supplementary Majro Medical (SMM) 补充重大疾病保障。

H&S 和 SMM 计划

共享连接:https://docs.google.com/spreadsheet/ccc?key=0AozA1MwSpme6dHA4VGxXUmVVQXEtY1ZEVEwxM1paUGc&usp=sharing

上表说明几点:

1.  外国人只有住公立医院4人病房的份,总报销额度只有$15000,并且只是入院费用,其他毛都没有 2. 即使有SMM计划,最高计划总额度也只有$80000,并且只是保障前14项入院期间费用 3. SMM 10%的Co-insurance是需要个人掏腰包的 4. GST 7%的费用也是要个人掏腰包的

再看看针对手术的分摊比例(Surgical Schedule of Fees)

共享链接:https://docs.google.com/spreadsheet/ccc?key=0AozA1MwSpme6dEo5NlhNX0dLNnlPM0lQUHhiVExfN0E&usp=sharing

唉,看完这些真是吐血,几乎没有全额报销的项目,我想说万恶的资本主义&&

新加坡政府/公立医院(Singapore Government/Restructured Hospitals)

  1. Alexandra Hospital

  2. Changi General Hospital

  3. Khoo Teck Puat Hospital

  4. KK Women’s & Children’s Hospital  (KK 妇幼保健院)

  5. National University Hospital  (国大医院)

  6. Singapore General Hospital

  7. Tan Tock Seng Hospital

保险条款解释

Co-insurance is the percentage amount of eligible medical expenses that you need to bear and insurance company will pay the remaining eligible medical expenses, subject to the maximum limit stated in the benefits schedule.

医疗费用共同担负,一般是10%

Minimum Period of Confinement :Each hospital confinement must be a minimum period of 6 consecutive hours before any benefits are payable.

入院治疗时间必须超过6小时才可以报销

Surgical schedule that sets out the limit that can be claimed for each type of surgical procedure.

总体来说几乎没有100%全额报销的手术,具体链接:https://docs.google.com/spreadsheet/ccc?key=0AozA1MwSpme6dEo5NlhNX0dLNnlPM0lQUHhiVExfN0E&usp=sharing

Deductibles are normally provided as clauses in an insurance policy that dictate how much of an insurance-covered expense is borne by the policyholder.

一般而言,只有达到一定费用以后(比如3000新币),超出部分才可以报销。现在很多保险公司推出Rider附加保险,表示没有Co-insurance,没有deductible,100%全额报销

Tips

  1. 集体保险一定是先买单后报销的(a medical expenses reimbursement plan )

  2. 集体保险报销流程: 提交报销单,最终的医院账单(你出院的时候,给你的一般是interim bill,最终的账单要1至2个星期才会寄给你)和出院报告

  3. 报销时长:30天内拿到支票(不是现金也不是转账)

  4. 集体保险保障必须是住院治疗(Inpatient hospital,confinement at least 6 hours入院超过6小时),至于日常门诊(Clinical Outpatient)包括(Outpatient surgery/same-day surgery)主要由Clinic Insurance提供保障。

  5. 集体保险包括生病和意外事故入院,对于生病住院的唯一限制是已有症状(Pre-existing illnesses and conditions)的窗口期必须要满1年才可以得到报销

  6. 牙齿治疗不在集体保险范围内(除非意外伤害)

  7. 正常生育不在集体保险范围内

  8. 心里治疗不在集体保险范围内

  9. MOM针对外国人的强制保额$15,000 每年,链接:http://www.mom.gov.sg/foreign-manpower/passes-visas/work-permit-fw/before-you-apply/Pages/medical-insurance.aspx


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