Read Also 10 Types Of Company Benefits That Employees Have To Pay Income Tax On<\/a><\/em><\/strong><\/p>\n\n\n\n Here\u2019s five benefits of AXA\u2019s Better Me Business programme.<\/p>\n\n\n\n The Better Me Business programme allows you to pick and choose the employee benefits you want to provide or can afford as an SME. The benefits can be as extensive or targeted as you want, with plans such as Group Hospital & Surgical (H&S), Group Term Life, Group General Practitioner, Group Specialist, Group Dental, Group Critical Illness and Group Personal Accident, as well as riders to enhance coverage.<\/p>\n\n\n\n At the same time, your employees have the flexibility of enhancing coverage on their own.<\/p>\n\n\n\n We summarise these options in the table below. For a more complete cost breakdown, you can visit the AXA website<\/a>.<\/p>\n\n\n\n Better Me Business does not impose sub-limits for different benefits. Rather, it works on a transparent annual policy limit. With this structure, employees (and employers) have greater certainty about how much of the medical bills will be covered by the programme if they undergo medical procedures.<\/p>\n\n\n\n#1 Customise Plans And Riders That You Want<\/strong><\/h3>\n\n\n\n
Basic plans<\/strong>
<\/td><\/tr>Group Hospital & Surgical (GHS)^<\/strong><\/td> \u2022 Covers hospitalisation and surgical expenses
\u2022 Choice of Private and Government Restructured Hospitals (GRH)
\u2022 Covers outpatient Cancer and Kidney Dialysis treatment
\u2022 Waiver of pre-existing conditions is applicable if the company has prior GHS cover with a headcount of 25 employees and above
\u2022 Step-down care services provided by appointed service provider(s) are available to members who received designated treatment in GRH+
\u2022 Claims are pro-rated at 60% if the insured member is admitted to a ward or hospital type higher than he is entitled to under the policy<\/td><\/tr>Group Term Life (GTL)<\/strong><\/td> \u2022 Covers death and total & permanent disability
\u2022 Provides one lump sum payment upon diagnosis of a terminal illness from which death is highly probable within the next 12 months
\u2022 If the employee was terminated on medical grounds, benefits can be extended for another 12 months+
\u2022 All pre-existing conditions are excluded for the first 18 months of continuous coverage<\/td><\/tr>Optional riders<\/strong>
<\/td><\/tr>Group Extended Major<\/strong>Medical (Rider to GHS)^<\/strong><\/td> \u2022 Reimbursement of eligible expenses in excess of benefits payable under the basic Group Hospital and Surgical plan where: – Hospitalisation is more than 20 days; or – Surgical procedures of at least 75% of the benefit is payable under the Schedule of Surgical Benefits
\u2022 12 months waiting period for pre-existing medical conditions
\u2022 Claims are pro-rated at 60% if the insured member is admitted to a ward or hospital type higher than he is entitled to under the policy<\/td><\/tr>Group General Practitioner<\/strong>(Rider to GHS)<\/strong><\/td> \u2022 Covers eligible expenses incurred at a General Practitioner, polyclinic or Accident and Emergency (A&E) department of any hospital in Singapore
\u2022 Cashless visits at an islandwide panel network of General Practitioner clinics
\u2022 Cashless arrangement in A&E departments at selected GRH
\u2022 Covers Traditional Chinese Medicine<\/td><\/tr>Group Specialist<\/strong>(Rider to GHS, needs to be taken up with Group General Practitioner)<\/strong><\/td> \u2022 Reimbursement of eligible expenses incurred at specialist clinics and diagnostic scans, including X-ray and laboratory tests, referred by General Practitioner
\u2022 Cashless arrangement at selected GRH for specialist services
\u2022 Covers Physiotherapy (referred by physician), Chiropractic Treatment<\/td><\/tr>Group Dental (Rider to GHS)<\/strong><\/td> \u2022 Reimbursement of eligible reasonable and customary charges atnon-panel dental clinics; cashless arrangement for panel dental clinics<\/td><\/tr> Group Critical Illness<\/strong>(Rider to GTL)<\/strong><\/td> \u2022 Covers 37 Critical illnesses<\/a>\u2022 Choice of acceleration basis or additional basis
\u2022 24 months waiting period for all pre-existing medical conditions<\/td><\/tr>Group Personal Accident<\/strong>(Rider to GTL and\/ or GHS)<\/strong><\/td> \u2022 Covers loss of life, permanent disablement or dismemberment due to an accident<\/td><\/tr><\/tbody><\/table> #2 No Sub-limits<\/strong><\/h3>\n\n\n\n
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