HRSINGAPORE Community Discussions

Medical Insurance Coverage for Dependents

Question

Dear all,

What are your thoughts or practices for employees' dependent medical coverage with company.

Our policy is that the medical insurance is extended to the wife and children as long spouse is not working and covered by existing company medical insurance. What happens if we have a case where the dependent started working, insurance was terminated and because the wife works on contract, the employee requests for re-enrolment. Please advise.

Thanks

Isabel


Reply 1

Our company only has medical coverage for the spouse and dependents of foreign employees holding EP or S Pass. However, we will highlight to them that this is considered as an additional benefit and is taxable. Singaporean and SPR employees does not have this benefit.

Reason being the medical cost of Singaporeans and SPRs are usually heavily subsidised by the government already.

Joanna


Reply 2

A standard group H&S insurance can allow re-enrolment of the spouse coverage. That is not an issue on most cases. Ultimately it depends on whether your company HR-policy allow the re-enrolment in such scenario. The insurer usually will just comply with your instructions to add in the coverage.

EI


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