Employee Welfare · Cover Explained员工保障 · 险种解读
Fidelity Guarantee员工忠诚险
Employee Dishonesty员工不诚实行为保障
What it covers
Financial losses from employee dishonesty, fraud, or theft — typically targeting employees with access to cash or financial records.
Scope of cover
- Cash theft by employees
- Stock/inventory pilferage
- Fraudulent alteration of financial records
- Forgery of cheques or documents
Exclusions
- Employees not listed in the schedule
- Losses discovered after policy expiry
- Collusion between employer and employee
保障承诺
承保因员工不诚实、欺诈或盗窃行为给雇主造成的财务损失，通常针对有权接触现金或财务记录的员工。
保障范围
- 员工盗取现金
- 库存偷窃
- 伪造财务记录
- 支票或文件造假
不保事项
- 未在清单内列明的员工
- 保单到期后才发现的损失
- 雇主与员工合谋
Also in Employee Welfare同属员工保障
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
Send us the policy — a licensed advisor reads it and shows you where you stand. No charge.把保单发给我们，持牌顾问逐条看完告诉你缺在哪。不收费。