Guide to Your Employee Health Benefits

What’s Included

Most employee health plans are structured around key areas of protection:

• Inpatient Care: Hospitalisation, surgery, and      emergency treatments.

• Outpatient Care: GP visits, specialist      consultations, lab tests, and prescribed medication.

• Additional Benefits: Depending on your employer’s      plan, you may also have access to dental, vision, maternity, or wellness      services.

How to Use Your Plan

• Cashless Access: Many insurers offer direct      billing at approved clinics and hospitals—simply present your membership      card.

• Reimbursement Basis: For providers outside the      network, pay first and file a claim for reimbursement.

• Pre-Authorisation: Certain procedures or hospital      stays may require advance approval from the insurer.

Key Terms to Know

• Coverage Tier: Your plan may be Essential,      Standard, or Comprehensive, each with different benefit levels.

• Deductible: The amount you pay      out-of-pocket before insurance kicks in.

• Co-Insurance / Co-Payment: The portion of costs you share      with the insurer for specific services.

Maximising Your Benefits

• Stay In-Network: Using preferred providers      minimises out-of-pocket expenses.

• Use Preventive Care: Regular check-ups help detect      health issues early and may be covered in your plan.

• Know Your Limits: Understand annual maximums,      sub-limits, and exclusions to avoid surprises.

Where to Get Help

Your HR team and insurer’s customer service line can answer questions about your coverage. ExpatFinder also provides independent advice to help employees make sense of their benefits and use them effectively.

Tip for Employees: Keep your insurance card and claims guide handy, especially when travelling. International health plans usually provide global coverage, but rules may vary depending on the country of treatment.