信用保险
关于信用保险
信用保险有助企业降低债务违约风险，帮助稳固现金流、提升信用管理水平，并支持企业实现稳定增长。
利益概要
提高客户授信额度，从而提升销量，帮助企业拓展业务。
更有效地管理营运资金，有助于向银行获取更优惠的融资条件，助力企业稳健运营。
及早洞察客户债务风险，从而做出更明智的信用决策，降低债务违约风险。
即使客户发生债务违约，也能获得赔付，从而保障企业现金流。
保障至新加坡存款保险公司 (SDIC) 规定限值。
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What are the key employee medical insurance coverage?
Employers must purchase and ensure yearly maintenance of the minimum S$60,000 for employees’ inpatient coverage. This insurance covers non-work related medical expenses incurred due to hospitalisation and/or surgery during their contract period in Singapore. The covered expenses are:
- Pre-hospitalisation consultation, surgery consultation and diagnostic services (Within 3 months prior to admission)
- Warded in Government-restructured hospitals
- Intensive Care Unit
- Surgery related fees
- Post-surgery treatment (Within 3 months after discharge)
- Death benefit
- Coverage against Personal accident (death & permanent disability)
Does the medical insurance covers COVID-19?
Medical insurance covers hospitalisation expenses, and when the foreign worker is hospitalised due to COVID-19, except during the Stay-Home-Notice period.
What is the key difference between Foreign Worker Medical Insurance and Work Injury Compensation Insurance?
Foreign Worker Medical Insurance covers non-work related inpatient medical expenses that the worker incurs. In contrast, Work Injury Compensation Insurance covers the compensation of work-related diseases and injuries.
Can I enhance the coverage beyond the mandatory requirements?
China Taiping Singapore offers two plan options under the Foreign Worker Medical Insurance scheme. While both plans meet the mandatory coverage requirements, the key difference lies in the co-payment structure:
- Plan A: 25% co-payment by the employer and 75% by the insurer. Co-payment is applicable on claim amount after the first $15,000.
- Plan B: No co-payment required (full coverage by the insurer)
Employers can select the plan that best suits their budget and protection needs for their foreign workers.
What documents are needed to submit a claim?
To file a claim in Singapore, employers typically need to submit the completed claim form, original medical invoices, detailed hospital bills, discharge summary, and a copy of the worker’s Work Permit or S-Pass card. China Taiping Singapore may request additional documents depending on the case.