Guide to Your Employee Health Benefits
Guide to Your Employee Health Benefits
Understanding your employee health benefits is key to making the most of your corporate medical insurance. Whether you’re new to the plan or looking to clarify how it works, this guide will help you navigate your coverage with confidence. At Interexpat, we’re here to support you every step of the way.
What’s Covered in Your Employee Health Plan?
Group medical insurance typically provides a range of essential healthcare benefits, which may include:
Hospitalization coverage: For inpatient care, surgeries, and hospital stays.
Outpatient benefits: For visits to GPs, specialists, and diagnostic tests.
Maternity care: Depending on your plan, this may cover prenatal, delivery, and postnatal care.
Dental and vision: Some plans offer optional dental cleanings, fillings, eye exams, and glasses.
Wellness and mental health support: Many employers now include wellness perks or mental health coverage.
Your exact benefits will depend on the coverage tier assigned to your role. If you’re unsure, check your plan document or ask your HR team for a summary of benefits.
What to Do When You Need Medical Care
When you need to use your health insurance:
1️⃣ Find a network provider — Many plans have preferred clinics or hospitals where you’ll enjoy direct billing (no need to pay upfront).
2️⃣ Present your insurance card — Always carry your insurance card when visiting a provider.
3️⃣ Understand your co-payment or limits — Some services may require you to pay a portion of the cost or may have annual limits.
4️⃣ Keep receipts for reimbursement — If you visit a non-network provider or pay upfront, submit a claim for reimbursement as per your insurer’s instructions.
How to File a Claim
If you need to file a claim:
Complete the claim form provided by your insurer.
Attach original receipts, medical reports, and any supporting documents.
Submit via your insurer’s app, online portal, or by email.
Your HR team or Interexpat advisor can help if you’re unsure about the process.
Key Tips
✅ Always review your plan limits and exclusions before starting treatment.
✅ Seek pre-authorization for major procedures to avoid claim issues.
✅ Contact your insurer’s hotline or Interexpat advisor for assistance with emergency care.
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