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Q
Can we choose lower benefit insurance plan for internal staff than fieldwork staff’s e.g. Messenger staff?
ANo, because the insurance plan must be chosen in accordance with job position, not risk.
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Q
If we enter into a policy contract with 5 staffs; however, there are resigned staffs during the contract period and only 2 staffs remaining, will the policy be canceled or not?
AThe policy will not be canceled, but the Company will underwrite again when the contract is renewed. If number of staff is less than 3 people (only staff), the Company shall decline to insure.
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Q
For applying the SME Smile insurance, when will we receive coverage if we completely submit the document?
AThe coverage will be effective after the customer has been approved for insurance and has paid premium completely.
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Q
Can we purchase dental treatment benefit based on the main insurance plan without purchasing OPD?
ANo, you must purchase OPD in order to purchase dental treatment benefit.
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Q
What are the criteria of purchasing OPD or Dental treatment benefit?
AOPD benefit must not exceed room and board expense of the first plan (in case there are 3 plans) ; for the next plan, customer cannot purchase over 2 tiers.
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Q
Can spouse or child participate in the insurance plan during a year? Why?
AAnswer No, except for spouse or child of new staff only.
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Q
If we do not want the benefit offering under SME Smile insurance plan, what can we do?
AIf there are more than 10 staffs, benefit can be set according to the original welfare by using the calculation method based on provided information in order to create a new quotation
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Q
Can premium be changed in the policy renewal year?
AAnswer Premium will be reconsidered in the renewal year. To be changed or unchanged, it depends on claim experience of such year.
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Q
If we cut additional coverage of OPD and Dental out in the next policy year, will the policy be canceled?
AAnswer The policy will still be effective, if customer signs for policy renewal according to the notice document of the Company.
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Q
Can spouse and child purchase this insurance together? What are the criteria?
AYes, only health coverage, which is in accordance with staff’s plan. Both the spouse and child must apply for the insurance and only the spouse or child is not acceptable.