HRSINGAPORE Community Discussions
Pre-Hospitalization Medical Claim
Dear HR Professionals,
We have a staff who submitted pre-hospitalization medical claim (within our claim limit) and at the same time submitted the same to his personal insurance. Would like to hear your view on such claim (double claim)?
There is no way to double claim. There is only 1 original receipt. Personal insurance is always the payer of last resort. If your employee has submitted to his personal insurance to claim first (because of the faster claim process) , he or she can later claim from the company group
insurance to restore his personal insurance claim limit. So this way it is as though the personal insurance has not been activated , therefore preserving the personal insurance claim limit. You should ask your employee if this is his or hers intention. You mentioned pre-hospital claim so I also assume the hospitalisation claim has already been settled too.
You may demand the staff to submit only the original receipt to process the claim.
This is a kind of insurance fraud because medical expense can be claimed only once. If the company values integrity, then HR can impress upon the staff that the company takes a dim view of such practice.
I do not think the employee can do that if both the Company and his personal insurance company requires him to submit the Original bill/invoice.
POST YOUR MESSAGE TO THE HR COMMUNITY BELOW
STILL NOT SURE? CALL US
(65) 6337-8016 or 6338-5816, 9 am to 5 pm, Mondays to Fridays
• We have the sole discretion in determining which messages or notes are appropriate, and editing and excluding any messages or notes.
• As your messages will be seen by others, please refrain from posting messages that you can be held legally liable for.
• We are committed to protecting our members from spam or unsolicited e-mail and we will remove and ban subscribers who propagate spam and those involved in harvesting activities. If you receive a spam message from a subscriber, forward the message to us.