Page 23 - LGB Group

23. HOSPITALISATION INSURANCE SCHEME

a) The Company shall insure all Employees under its Group Hospitalisation
Insurance scheme. The hospitalisation benefit for each Employee is subject
to the limit of coverage under the respective plan which the Employee is
insured. The Employee shall be responsible to pay for any medical expenses
exceeding the limit provided in the insurance policy, or for any medical
expenses which are not covered under the insurance policy.

b) If an Employee elects to stay in a ward where the ward charges are higher
than his entitlement, he shall be responsible to pay for the difference in ward
charges and the additional 20% of the total medical expenses as imposed by
the insurance company.

c) Employees are encouraged to ascertain their eligibility of the hospitalisation
benefits first before they proceed to be admitted to any particular private
hospital. They should contact the insurance call centre to obtain the
necessary clearance.

23.1 Procedure for Hospital Admission

a) For non-emergency hospital admission, contact the insurance
company’s call centre and provide the insurance policy number and
the Employee’s hospital plan.

b) Briefly explain the nature of illness and the medical treatment / surgery
required.

c) Indicate the date of admission and the preferred hospital (for non-
emergency cases)

d) Obtain the clearance / approval from the call centre and thereafter the
call centre will arrange with the hospital concerned regarding the
admission.

e) On the appointed date, proceed to the hospital admission counter and
provide the relevant details (e.g. medical card, doctor’s appointment,
nature of treatment etc.). Please note that the admission process may
take 1 to 2 hours.

f) In the event the required treatment is not covered under the medical
insurance, the Employee has to settle the medical expenses on his
own accord. The Employee may be required to pay a deposit to the
hospital prior to admission.

g) For emergency cases, proceed directly to the hospital and provide the
medical card to the admission counter. This process may take a few
hours as the hospital may need to get confirmation from the insurance
company. In some instances, the hospital may require some deposit
payment. Employees are advised to make the payment first in order to
expedite admission.

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