Dependants in a Small Company Medical Scheme in Hong Kong
A new hire in your 14-person company asks a simple question on her first day: can she add her husband and their toddler to the medical scheme? You say yes, probably. Then it hits you that nobody ever decided. Does the company pay? Does the insurer accept a spouse in his sixties? What happens when […]
Designing a Small Team’s Medical Benefits: Inpatient, Outpatient and Limits
Three quotes land in your inbox for the same team of 14. They look alike at the top. Then you open the benefit schedules, and the room limits, visit caps and co-payments don’t match anywhere. That gap is where group medical benefit design happens. For a small company group medical scheme in Hong Kong with […]
Reviewing a Small Group Medical Scheme at Renewal
The renewal letter lands on a Tuesday. Your group medical insurance premium for next year is up, the covering note says the change reflects market trends, and the renewal date is a few weeks away. Nobody has told you which part of the rise belongs to your own staff and which part belongs to everyone. […]
Medical Cover for a Team of Five to Fifty People
Arranging medical cover for a team of five to fifty people is an awkward position in the Hong Kong market. Too large for individual policies to be practical or affordable, too small to command the attention and the terms that a large corporate scheme attracts.[16] The result is that small employers are frequently sold either […]
Group Health Insurance Hong Kong Small Businesses
Group health insurance in Hong Kong for 3-50 person companies: costs, minimum headcount, easier underwriting, and how it sits beside employees’ compensation.
Group Medical Insurance Hong Kong: What Employers Should Offer
Group medical insurance in Hong Kong is one of the clearest signals an employer can send that it takes its team seriously. Many of the owners and managers we work with are in their forties, fifties and sixties themselves, and they know first-hand why good health cover matters at this stage of life. Hiring and […]
Avoiding Group Health Insurance Gaps in Your Group Scheme
I’ve watched HR teams discover their group insurance gaps in real time.An employee needs surgery. The claim gets rejected. Staff start asking questions. Suddenly, that competitive quote from the…
