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- The premium
rate is based on the attained age of each employee at each
policy anniversary.
- Mode of
payment is annual.
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- All employees
in a company must participate in the group insurance program
(on compulsory basis).
- All eligible employees are required
to complete the Health Declaration Form.
- The effective
date is the following day after all required documents are
obtained and the insurability is approved.
- In case
that a new employee requests to participate in the group
insurance program during the policy year, the effective
date is the 1st day of the following month after all required
documents are obtained and the insurability is approved.
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- All eligible
employees who are in the same or equivalent position will
be insured under the same plan.
- One policy
can be consist of not more than 3 different plans.
- The difference
between the insurance plans should not exceed 2 plan levels.
For example: In case that Plan 1 is chosen, the higher plan
must not exceed Plan 3.
- Clinical Benefit and Dental Benefit
are optional for the employees, in case that the employer
decides to take the coverage of Clinical Benefit and/or
Dental Benefit, all eligible employees must participate.
- Crossing
of plans for different benefits is not allowed.
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- Only medical
benefits are available to spouse below age 60 and child(ren)
at least 2 weeks old and not over 18 years of age and unmarried.
Child(ren) can be extended from 18 to 23 years old if still
a full-time student and unmarried.
- The eligible
dependents must enroll under the same plan as the insured
employee
(For medical coverage only).
- The premiums
of all eligible employees and their dependents must be paid
by the employer.
- In case
that the employer requires to extend medical insurance coverage
to the employee's dependent, all employees and their dependents
must be insured.
- All eligible dependents are required
to complete the Health Declaration Form.
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- The Master
Application Form completed by the employer.
- A photocopy of proprietary license.
- On Contract Group Privileged Card
Usage Programe (if apply)
- A data
sheet containing detailed summary of all employees and dependents.
- The Health
Declaration Form completed by the employee.
- The Health
Declaration Form completed by the dependent (if apply).
- ID card
photocopies of each employee and dependent.
- In case of cheque payment for premium,
please pay to "AIA Company Limited" with account payee only.
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- This proposal
is for illustration only, it shall not form apart of insurance
contract, not binding the company. Term and Conditions are
found in the policy contract.
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For
Business with 5 - 10 full-time employees
