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Your questions answered about our insurance services and how we can assist you.
David Ho’s clearest point of difference is speed. The team commits to responding within one business day on every query and stays on standby 24/7 for urgent claims situations. Like any independent broker, David Ho also compares premiums and coverage across multiple insurers rather than pushing a single insurer’s products, so recommendations are based on what actually fits your business.
We recommend starting your renewal review 60 to 90 days before your policy expires. This gives enough time to compare your current coverage against the market, review any changes in your headcount or risk profile, and avoid a last-minute scramble that limits your options.
The cover arranged by your employer, whether under a Work Permit, S Pass, or group plan, ends when your job or pass ends, and a new employer must arrange fresh coverage. Your own private plan continues as long as you pay the premium, though a plan linked to your pass, like an Integrated Shield Plan for Dependant Pass holders, may need a valid pass to renew.
Generally, no. Foreign worker medical insurance (FWMI) covers illness and hospitalisation unrelated to work. Injuries that happen because of your job usually fall under Work Injury Compensation (WICA) instead, which covers medical costs, wage replacement, and compensation. See WICA insurance for details.
WICA insurance and a common law claim are two separate ways an employee in Singapore can seek compensation for a work injury.
WICA is a no-fault scheme, so a claim can be made regardless of who caused the accident, with payouts set by Ministry of Manpower compensation tables rather than a court.
A common law claim requires proving employer negligence, which takes longer but can pay more if successful.
An employee must choose one route, not both, for the same injury, which is why WICA insurance is treated as a baseline protection rather than an optional policy.
Yes. WICA insurance and workmen’s compensation insurance are the same product. WICA is the current name used under the Work Injury Compensation Act, while workmen’s compensation is the older term many employers still use out of habit.
As your group health insurance broker, David Ho compares plans across a panel of insurers in Singapore, negotiates pricing on your behalf, and manages the paperwork from application to renewal. Our team also handles claims support and yearly reviews, so your coverage stays right for your workforce as it changes.
Yes, but only up to a limit. IRAS allows group medical insurance premiums to be deducted as a business expense up to 1 percent of your total employee remuneration for the year. This cap rises to 2 percent if your company uses an approved portable medical benefits scheme, such as PMBS or TMIS. Amounts above the cap are not deductible, so it is worth checking with your accountant on how this applies to your specific payroll.
At panel clinics and hospitals, employees usually don’t need to file a claim. The provider bills the insurer directly, so there’s no upfront payment. For non-panel providers, employees pay first and submit receipts with a claim form, with reimbursement usually taking a few weeks. Through David Ho’s EasyClaims platform, employees can also submit and track claims online, with HR approving them through a shared dashboard.
Not by default. Most standard group plans cover employees only, but many insurers let companies add an optional extension for spouses and children, with the cost usually split between employer and employee. Check with your broker whether your insurer supports this before signing up.
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