Employee Welfare · Cover Explained员工保障 · 险种解读
Group Healthcare团体医疗
Employee Medical Benefits员工医疗福利
What it covers
Medical benefit protection beyond legal requirements — hospitalisation, surgery, and outpatient, often with cashless facilities.
Components
- Hospitalisation & Surgical (GHS)
- Outpatient GP & Specialist
- Group Personal Accident (GPA)
- Critical Illness benefit (optional)
Exclusions
- Pre-existing conditions (unless waived for large groups)
- Congenital conditions
- Psychiatric/mental disorders
- Non-essential cosmetic treatments
保障承诺
为员工提供超越法定要求的医疗福利保障，涵盖住院、手术及门诊，通常提供无现金住院服务。
组成部分
- 住院及手术保障 (GHS)
- 门诊医疗 (GP & Specialist)
- 团体意外险 (GPA)
- 重大疾病提前给付（可选）
不保事项
- 既往病史（除非大型团体获得豁免）
- 先天性疾病
- 精神或心理疾病
- 非必要的美容治疗
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。