{"id":753,"date":"2018-02-02T17:29:25","date_gmt":"2018-02-02T09:29:25","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=753"},"modified":"2023-08-04T17:02:00","modified_gmt":"2023-08-04T09:02:00","slug":"group-employee-insurance-2018","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/group-employee-insurance-2018\/","title":{"rendered":"Group employee insurance: what businesses need to know about benefits in 2018"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The new year is already passing quickly. In case you haven\u2019t noticed, it\u2019s February already. Some of those post-Christmas deadlines have come and gone, and suddenly you\u2019re standing at the beginning of the calendar again looking ahead at what\u2019s coming up. For many businesses, their employee benefits renewal date may still be coming, and we\u2019ve noticed that many can feel ill prepared for ensuring that their group employee insurance plans are effective and sustainable. Trying to work it all out can be time consuming, and costly if it\u2019s not done right. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This week, Pacific Prime Singapore takes a look at a few things you and your business should consider as you begin to think about your employee benefits plan future.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-4' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/plans\/group-health-insurance\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=corporate\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-775\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2024\/07\/SEO-Baner-Corporate.webp\" alt=\"Corporate insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What we know about group employee insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One of the first things we know about employee benefits is that they\u2019re not a huge focus of HR teams, where the responsibility for such decisions and administration lie. It\u2019s not that they don\u2019t believe it important, it\u2019s just that understanding and dealing with group employee insurance is such a small part of their job. Finding and choosing a the right group plan can be an arduous task, and dealing with staff enquiries about claims and benefits can be time consuming. At a base level, the less time HR spend on employee benefits related tasks the better they\u2019ll be able to focus on their other responsibilities. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Singapore, there are a few specific issues and challenges that we\u2019ve identified that you and your business might recognize. In our new report, the <\/span><a href=\"https:\/\/www.pacificprime.sg\/sohi-2018\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">State of Health Insurance in Singapore 2017-2018<\/span><\/i><\/a><span style=\"font-weight: 400;\">, we\u2019ve outlined these common insurance issues: <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Uncertainty around premiums<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As understanding health insurance pricing isn\u2019t part of what your HR and senior decision makers are likely trained in, it can be hard to know how the premium you pay for group employee insurance is calculated, and whether or not you\u2019re paying too little or too much. With your own budgetary and hiring strategies to satisfy, having a firm grasp on this aspect of group insurance can really help your business be more confident in its renewal decision making. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Assessing plan sustainability<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medical inflation is one of the biggest drivers impacting what you pay for insurance, however it\u2019s important for businesses in Singapore to understand how their plan use and design also plays a part. When costs go up, what can you do to keep it within budget? What are your options for adjusting your group coverage to keep it sustainable for the future? What is a <\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2016\/07\/22\/loss-ratios\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">loss ratio<\/span><\/a><span style=\"font-weight: 400;\"> and what does it mean for your business?<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Keeping competitive and effective<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another aspect is understanding whether or not what you offer in terms of employee benefits is what your current staff, and prospective talent, want and use. Your competitors aren\u2019t likely to tell you what they\u2019ll offer to a candidate you\u2019re both courting; so it\u2019s important to have a partner with Singapore and global industry knowledge to help you keep pace in the market. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Employee benefits design<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">What\u2019s the difference in inpatient and outpatient care? What are the key differences in coverage for both? What level of coverage is appropriate? Singaporean businesses ask this all of the time, as they know things like full outpatient care can make up a large part of what they pay in a premium. What they don\u2019t usually know is what other benefits, like the country\u2019s increasing interest in wellness plans, might be utilized to be more efficient and cost effective. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Engaging staff members<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the final pieces of the puzzle relates to educating and engaging your staff. It\u2019s common sense that the more they understand about their benefits, the more likely they are to use them. If they\u2019re not using them, your company is potentially throwing away money to your insurer for nothing. HR staff in Singapore can often find themselves an unwilling middleman of staff questions of employee benefits, creating a significant amount of unnecessary work for themselves in the process. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s not all doom and gloom, however. The world of employee benefits continues to grow, meaning that the industry is moving to ensure that those that use and consume their services, which is your businesses and others like it, are better supported when it comes to rolling out and administering group employee insurance. Unfortunately, not all industry players are created equal. <\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-755\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/02\/20180202_PPSG_CorpBene2018.jpg\" alt=\"two business people talk in the coffee room about their company's group employee insurance package\" width=\"600\" height=\"300\" srcset=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/02\/20180202_PPSG_CorpBene2018.jpg 600w, https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/02\/20180202_PPSG_CorpBene2018-300x150.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><b>What we know about the future of the industry<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Key to understanding what you should do about your employee benefits and corporate insurance policy is understanding what the industry is doing. If you\u2019re interested, our CEO Neil Raymond actually posted his thoughts on the industry in a<\/span><a href=\"https:\/\/www.linkedin.com\/pulse\/moving-insurance-industry-forward-few-thoughts-year-ahead-raymond\/?trackingId=bW3vw%2FXjtYuFnWE0gtLhUA%3D%3D\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">LinkedIn article<\/span><\/a><span style=\"font-weight: 400;\"> recently. Here\u2019s a quick summary of things you might find interesting:<\/span><\/p>\n<ul>\n<li><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Medical inflation<\/span><\/a><span style=\"font-weight: 400;\">, at 10%, will continue to drive costs for consumers, insurers, and medical providers in the future<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2017\/05\/15\/corporate-wellness-program-singapore\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">corporate wellness benefits<\/span><\/a><span style=\"font-weight: 400;\"> market continues to develop, but needs to do more to reach companies with smaller budgets<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Technology continues to tease true disruption, and Singapore businesses are some of the best placed to<\/span><a href=\"http:\/\/www.globaluniversityventuring.com\/article.php\/6465\/the-digital-health-ecosystem-in-singapore\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">take advantage<\/span><\/a><span style=\"font-weight: 400;\"> when it happens<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Changing government regulations will make understanding<\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2017\/04\/28\/singapore-employees-abroad-insurance\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">multi-jurisdictional compliance<\/span><\/a><span style=\"font-weight: 400;\"> more important for global businesses<\/span><\/li>\n<li><span style=\"font-weight: 400;\">New market players are a welcome competitive addition to the market, however consumers should be aware of \u201cboom and bust\u201d insurers<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Like all professional industries, the insurance market needs to keep on top of internal talent challenges to ensure innovation does not stagnate<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It\u2019s important to know where the industry is heading, as the decisions the industry makes about its future can impact you and your staff.<\/span><\/p>\n<h2><b>What\u2019s the most important thing for businesses to remember for 2018?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When it comes to your employee benefits and group health insurance, you\u2019ve got more options now than ever before. We\u2019re not just talking insurer options, either. \u00a0We\u2019re also talking about better ways to run your group insurance within your business. It used to be that HR teams would simply have to trust the information of the current insurance provider, or read and research all of the available plan options in order to provide key decision makers with the right information regarding policy purchase and renewal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The most important thing businesses can take away from this article is that they don\u2019t need to do it all alone.<\/span><a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Pacific Prime Singapore<\/span><\/a><span style=\"font-weight: 400;\"> is a fully engaged employee benefits broker that commits to not just finding the right group employee insurance plan for your business, but also making sure that your benefits package runs smoothly and effectively. This means offering orientation and information sessions to increase staff engagement, assisting HR with benefits inquiries and claims assistance tasks, and delivering detailed plan performance analysis annually to ensure you\u2019re not suffering many of the common challenges commonly faced by businesses in Singapore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Partnering with us means being one step ahead of the competition, and being involved with an insurance industry leader known both for knowledge and service excellence. Want to know how we can improve your current employee benefits situation?<\/span><a href=\"https:\/\/www.pacificprime.sg\/contact-us\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Contact our team<\/span><\/a><span style=\"font-weight: 400;\"> today to organize a meeting. We can use your current benefit data to highlight areas where we can help your company benefits improve. <\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/corporate\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=corporate\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-780\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2019\/06\/PPSG_Bus_01.jpg\" alt=\"Business Insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The new year is already passing quickly. In case you haven\u2019t noticed, it\u2019s February already. Some of those post-Christmas deadlines have come and gone, and suddenly you\u2019re standing at the beginning of the calendar again looking ahead at what\u2019s coming up. For many businesses, their employee benefits renewal date may still be coming, and we\u2019ve &#8230;<\/p>\n","protected":false},"author":21,"featured_media":756,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[4],"tags":[765,101,766,630,744,747,745,115,746,139,628],"class_list":["post-753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-group-insurance","tag-ban_cor","tag-corporate-insurance","tag-cta_cor","tag-employee-benefits","tag-group-health-plans","tag-human-resources","tag-industry-projections","tag-insurance-broker","tag-neil-raymond","tag-singapore-hr","tag-wellness-benefits"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What businesses need to know about group employee insurance in 2018<\/title>\n<meta name=\"description\" content=\"This week, Pacific Prime Singapore discusses what common group employee insurance challenges are being faced by businesses, and what they should know about the future of the industry. Read about it here, and find out the one, simple solution for it all.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.sg\/blog\/group-employee-insurance-2018\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What businesses need to know about group employee insurance in 2018\" \/>\n<meta property=\"og:description\" content=\"This week, Pacific Prime Singapore discusses what common group employee insurance challenges are being faced by businesses, and what they should know about the future of the industry. Read about it here, and find out the one, simple solution for it all.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.sg\/blog\/group-employee-insurance-2018\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Singapore&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2018-02-02T09:29:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-04T09:02:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/02\/20180202_PPSG_CorpBene2018Banner.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Suphanida Thakral\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Suphanida Thakral\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What businesses need to know about group employee insurance in 2018","description":"This week, Pacific Prime Singapore discusses what common group employee insurance challenges are being faced by businesses, and what they should know about the future of the industry. 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With over 5 years of experience in the field, Suphanida spends the majority of her day synthesizing complex pieces of insurance-related information and translating this into easy-to-understand, engaging, and effective content across a variety of media such as articles, infographics, whitepapers, videos, and more. Suphanida is also responsible for planning and publishing three whitepapers released annually by Pacific Prime: The State of Health Insurance Report, The Cost of Health Insurance Report, and The Global Employee Benefits Trends Report. Additionally, she handles the LinkedIn profiles of Pacific Prime\u2019s Founder and CEO, as well as Global HR Lead. Suphanida\u2019s strengths lie in her strong research and analytical skills, which she has gained from her BA in Politics from the University of Warwick and Erasmus Mundus Joint MA in Journalism from Aarhus University and City, University of London. Being of Thai-Indian origin and having lived, studied, and worked in Thailand, the UK, and Denmark, Suphanida also has a unique, multicultural perspective that helps her understand the struggles of expats and globetrotters. 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