• Q

    Can we choose lower benefit insurance plan for internal staff than fieldwork staff’s e.g. Messenger staff?

    A

    No, because the insurance plan must be chosen in accordance with job position, not risk.

     

  • 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?

    A

    The 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.

  • Q

    For applying the SME Smile insurance, when will we receive coverage if we completely submit the document?

    A

    The coverage will be effective after the customer has been approved for insurance and has     paid premium completely.

  • Q

    Can we purchase dental treatment benefit based on the main insurance plan without purchasing OPD?

    A

    No, you must purchase OPD in order to purchase dental treatment benefit.

  • Q

    What are the criteria of purchasing OPD or Dental treatment benefit?

    A

    OPD 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.

  • Q

    Can spouse or child participate in the insurance plan during a year? Why?

    A

    Answer No, except for spouse or child of new staff only.

  • Q

    If we do not want the benefit offering under SME Smile insurance plan, what can we do?

    A

    If 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

  • Q

    Can premium be changed in the policy renewal year?

    A

    Answer Premium will be reconsidered in the renewal year. To be changed or unchanged, it depends on     claim experience of such year.

  • Q

    If we cut additional coverage of OPD and Dental out in the next policy year, will the policy be canceled?

    A

    Answer The policy will still be effective, if customer signs for policy renewal according to the notice     document of the Company.

  • Q

    Can spouse and child purchase this insurance together? What are the criteria?

    A

    Yes, 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.