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WICA CHANFGES .png

您是否知道工伤赔偿保险 (WIC) 已进行了修订，并且自 2020 年 1 月 1 日起，发生了一些新的变更？这些变化已经生效，它们将如何影响您的员工 并在部分影响您的业务时 强制执行 this 2020 年 9 月 ？

​

让您提前做好准备并帮助您了解 WICA 2020 的主要变化。我们附上了一份概述见解供您理解。 

WIC HIGHLIGHT.png
  • Inport & Export
    - Marine Cargo Insurance ( Air , Sea , Land)
  • Vehicles
    - Motor Fleet
  • For Logistics Warehouse Provider
    - Warehouse & Bailers' Liability Insurance
  • Adding Value to Your Business with Keyman Insurance.
    Having key person insurance in place may make it easier to get certain types of financing or credit from banks, or infusions of capital from investors, because it helps to lower business risks. If your company merges or goes public, you may be required to have key person insurance on top executives. Taking out key person insurance makes a definitive statement to the employee about his or her importance to the company. This can strengthen relationships and help in retaining these key people. You also have the option of offering part of a payout to the employee’s family. This makes the coverage part of the employee’s benefits package.
  • Does Your Small Business Need Key Person Insurance Protection?
    Take a good look at your business and determine if you have key people who are irreplaceable or whose contributions are so crucial that without them, the business might just fall apart. While large businesses often have many experienced executives that could take up the slack, most small businesses depend on a few individuals to make the business work. This is why key person insurance protection is especially important for maturing small businesses. How much insurance you purchase will depend on your financial needs balanced against what you can afford in premiums.
  • Is Keyman Insurance very expensive ?
    The insurance can be very affordable depending on how much is the sum insured and the product inplace for this strategy, all and all it depends on the company's financial position and the health of the key person .
  • Minimum Entry Limit
    Customised for SMEs of all group size with a minimum of 2 employees .
  • No Surgurical Cap
    Customised for SMEs of all group size with a minimum of 2 employees .
  • Hassle Free Adminstrative During Claims
    User Friendly Mobile App - Outpatient claims may be submitted through our mobile application and online web portal
  • High Entry Age
    High entry age up to 70 years old
  • Medical Condition Disregard
  • Adding Value to Your Business with Keyman Insurance.
    Having key person insurance in place may make it easier to get certain types of financing or credit from banks, or infusions of capital from investors, because it helps to lower business risks. If your company merges or goes public, you may be required to have key person insurance on top executives. Taking out key person insurance makes a definitive statement to the employee about his or her importance to the company. This can strengthen relationships and help in retaining these key people. You also have the option of offering part of a payout to the employee’s family. This makes the coverage part of the employee’s benefits package.
  • Does Your Small Business Need Key Person Insurance Protection?
    Take a good look at your business and determine if you have key people who are irreplaceable or whose contributions are so crucial that without them, the business might just fall apart. While large businesses often have many experienced executives that could take up the slack, most small businesses depend on a few individuals to make the business work. This is why key person insurance protection is especially important for maturing small businesses. How much insurance you purchase will depend on your financial needs balanced against what you can afford in premiums.
  • Is Keyman Insurance very expensive ?
    The insurance can be very affordable depending on how much is the sum insured and the product inplace for this strategy, all and all it depends on the company's financial position and the health of the key person .
  • Staying in HDB
    HDB’s mandatory fire insurance covers fixtures and fittings, but it doesn’t cover renovations. If your flat has been extensively renovated, you should get home insurance to complement the fire insurance.
  • Staying in Condominium
    Pay attention to personal liability coverage, particularly if your neighbouring unit(s) are being rented out. The landlord may come after you for lost rental income, if their tenants are forced to move out after your fire or flooding.
  • Staying in Landed Property
    It’s strongly advisable to always use all-risk insurance for landed property, as there are just many more things that can go wrong with a property of this size. Take note of temporary accommodation and storage pay outs – chances are, you have a bigger family or much bulkier items, compared to the average home owner. That could mean greater need for storage and temporary housing. Also, look out for debris removal limits: landed properties can reach up to five-digit sums for debris removal.
  • Does home insurance cover my luxury items / collections ?
    Enter your answer here
  • 1. Increase in compensation and medical expenses limits.
  • 3. Light duties will be claimable.
    Employees on light duties due to work injuries will be compensated for their lost earnings based on their Average Monthly Earnings (AME). Employers will also have to report any instance of light duty or medical leave moving forward. Compulsory reporting to MOM within 10 days for all work related - accidents. (** ex : MC/ light duties / injury / death** )
  • 2. Mandatory to cover all manual employees & non-manual employees with an earnings of $2,600 & below (monthly)."
    The salary threshold for non-manual employees requiring work injury compensation insurance will be increased to from $1600 to $2600 (monthly wages). Insurance coverage for all manual employees, regardless of salary are still complusory.
  • 4. Comprehensive Insurance Policy
    Most of the WIC insurance policies now exclude coverage for some risky work scenarios such as height restrictions , contract value , welding works etc . It would be too late when these employers realise that they had to bear the cost of compensation even though they bought insurance. WEF Sept 2020 , a prescribed core set of standard terms for WICA-compliant policies, employers will be assured of complete coverage - no exclusion for their WICA liabilities. Please note that Common Law ($10 million coverage) might be excluded from WIC policies wef of Jan 2021. However, please check with your agent during renewal as each insurer varies.
  • How To Proceed With A Claim ?
    STEP 1. Contact us / your servicing manger . STEP 2. Submit your accident report to the MOM via the MOM iReport Online Reporting System at http://www.mom.gov.sg/iReport. STEP 3 .Email the MOM IReport together with the required documents to uwa@universalwealth.com.sg for us to process the claims accordingly.
  • How To Proceed With A Claim ?
    STEP 1. Contact us / your servicing manger . STEP 2. An independent adjusters to look into the matter, when necessary. NOTE: It is also necessary for you to take immediate action to mitigate the loss by taking necessary measures to minimise and/or prevent further loss/damage.
  • What Documents Do I Need To Submit?
    1.Fully completed claim form. 2. Photographs of the damaged property 3. CCTV footage showing the incident/loss, if availablePurchased invoices/receipts of the damaged/lost 4. Property Assessment report from repairer on the cause and extent of damage Repair /replacement quotations of the damaged/lost property (Please submit the quotations for our approval before making any repairs/replacement) 5. Accounting records of money lost, if applicable Police report (burglary, robbery or theft) - must be made within 24 hours of the incident As circumstances will be different from claim to claim we may request for additional information or supporting documents which are specific to a claim if require.
  • What Documents Do I Need To Submit?
    1.Fully completed claim form. 2.Medical reports / Inpatient Discharge Summary / Medical note from attending doctor Original medical bills and/or medical certificates / Medical appointment card. 3. Any original receipts / documents to evidence payment of wages. 4. Clinical Abstract form duly signed by the injured worker / Work Permit or NRIC. As circumstances will be different from claim to claim we may request for additional information or supporting documents which are specific to a claim if require.
  • Useful Advisory - Accident Report
    - Establish the facts of the accident when the details of the incident are still fresh in the memory of the parties involved. -Take photographs of the scene to ensure that an accurate first-hand account is available. - Record statements from the parties involved including co-workers and any other witnesses at the scene. - This is especially important if the parties involved are foreign workers who may no longer be in your employ later. - If the accident involves equipment or structures, do not throw away anything until our appointed surveyor has surveyed the scene. Take photographs of the affected equipment or structure before anything is removed. This will help to establish how the accident happened.
  • Useful Advisory - Accident Report
    - Establish the facts of the accident when the details of the incident are still fresh in the memory of the parties involved. -Take photographs of the scene to ensure that an accurate first-hand account is available. - Record statements from the parties involved including co-workers and any other witnesses at the scene. - This is especially important if the parties involved are foreign workers who may no longer be in your employ later. - If the accident involves equipment or structures, do not throw away anything until our appointed surveyor has surveyed the scene. Take photographs of the affected equipment or structure before anything is removed. This will help to establish how the accident happened.
  • What To Do Upon A Third Party Legal Liability Claim?
    1. Let us / your servicing agent know as soon as possible if you receive any thrid party legal claim against you for us to provide immediate support if necessary. 2. Do not admit liability or sign any document agreeing to pay for damages as this may make you personally liable for the damages. 3. Do not reply to any documents received from third parties and forward the documents to us immediately for our assessment and follow up. 4. If you receive a Writ of Summons you must notify us / respective insurance claim division immediately - any delay on your part may make it more difficult to handle the claim. We will need to evaluate each case on its own merits and handle the claims accordingly. 5. Failure to respond to a Writ of Summons will result in Interlocutory Judgment being entered against you. If this happens, your claim will be prejudiced and you may not be covered under your policy. Any additional costs incurred to set aside the judgment will be borne by your company.
  • What To Do When You Receive A Common Law Claim / Legal Letter ?
    Common Law Claims 1. Let us / your servicing agent know as soon as possible if the injured worker or his lawyer starts a common law claim against you so that we can investigate the matter early. 2. Do not admit liability or sign any document agreeing to pay for damages as this may make you personally liable for the damages. 3. Do not reply to any documents received from third parties and forward the documents to us immediately for our assessment and follow up. 4. If you receive a Writ of Summons you must notify us / respective insurance claim division immediately - any delay on your part may make it more difficult to handle the claim. We will need to evaluate each case on its own merits and handle the claims accordingly. 5. Failure to respond to a Writ of Summons will result in Interlocutory Judgment being entered against you. If this happens, your claim will be prejudiced and you may not be covered under your policy. Any additional costs incurred to set aside the judgment will be borne by your company.
  • What Should I Do When A Fire / Break-in  / Property Damages Happens?
    1. Contact Civil Defense immediately during a fire outbreak 2. Lodge a police report immediately if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. 3. Take neccessary action to mitigate the any further damages & loss under safety conditions.
  • Cheque Payment
    Payable To: Universal Wealth Assurance Ageency Pte Ltd Mailing Address : Universal Wealth Assurance Agency Pte Ltd 103 Penang Road #03-06 , Singapore 238467 ***Please indicate your policy number & Company Name at the back of the cheque.
  • Corporate PayNow
    Key in our Unique Entity Number (UEN) 201536266E and make transaction anytime at your convience. Please be reminder to indicate your Policy Number / Company Name under the reference section.
  • Bank Transfer
    Beneficary Name: Universal Wealth Assurance Agency Pte Ltd Bank's Name : MAYBANK Account Number : 0 4 1 6 1 0 7 5 1 4 9 **Please indicate the policy number / name of policy owner under the reference section .
  • Direct to our Insurer Partners
    Check out the available options to pay payment direct: LIBERTY INSURANCE TOKIO MARINE INSURANCE CHUBB INSURANCE SOMPO INSURANCE
  • Convid 19 Support - Premium Payment Initiatives
    In time of crisis, your insurance policy will have play an important role to provide you with financial capital for your losses, enabling your business to rebuild after fires, disasters and accidents, paying for liability claims, and more. Like challenges of the past, we will get through this together and emerge stronger. Detailed installment options to be updated soon...
  • Renovation Works
    Contractor All Risk Project Workmen Injury Compensation
  • Construction / Civil Engineering Works
    Enter your answer here
  • Performance Bonds
    Enter your answer here
kisspng-physician-flat-design-icon-vecto

世界经济论坛2020 年 9 月 1 日

世界经济论坛1 月 1 日 2021

  • Inport & Export
    - Marine Cargo Insurance ( Air , Sea , Land)
  • Vehicles
    - Motor Fleet
  • For Logistics Warehouse Provider
    - Warehouse & Bailers' Liability Insurance
  • Adding Value to Your Business with Keyman Insurance.
    Having key person insurance in place may make it easier to get certain types of financing or credit from banks, or infusions of capital from investors, because it helps to lower business risks. If your company merges or goes public, you may be required to have key person insurance on top executives. Taking out key person insurance makes a definitive statement to the employee about his or her importance to the company. This can strengthen relationships and help in retaining these key people. You also have the option of offering part of a payout to the employee’s family. This makes the coverage part of the employee’s benefits package.
  • Does Your Small Business Need Key Person Insurance Protection?
    Take a good look at your business and determine if you have key people who are irreplaceable or whose contributions are so crucial that without them, the business might just fall apart. While large businesses often have many experienced executives that could take up the slack, most small businesses depend on a few individuals to make the business work. This is why key person insurance protection is especially important for maturing small businesses. How much insurance you purchase will depend on your financial needs balanced against what you can afford in premiums.
  • Is Keyman Insurance very expensive ?
    The insurance can be very affordable depending on how much is the sum insured and the product inplace for this strategy, all and all it depends on the company's financial position and the health of the key person .
  • Minimum Entry Limit
    Customised for SMEs of all group size with a minimum of 2 employees .
  • No Surgurical Cap
    Customised for SMEs of all group size with a minimum of 2 employees .
  • Hassle Free Adminstrative During Claims
    User Friendly Mobile App - Outpatient claims may be submitted through our mobile application and online web portal
  • High Entry Age
    High entry age up to 70 years old
  • Medical Condition Disregard
  • Adding Value to Your Business with Keyman Insurance.
    Having key person insurance in place may make it easier to get certain types of financing or credit from banks, or infusions of capital from investors, because it helps to lower business risks. If your company merges or goes public, you may be required to have key person insurance on top executives. Taking out key person insurance makes a definitive statement to the employee about his or her importance to the company. This can strengthen relationships and help in retaining these key people. You also have the option of offering part of a payout to the employee’s family. This makes the coverage part of the employee’s benefits package.
  • Does Your Small Business Need Key Person Insurance Protection?
    Take a good look at your business and determine if you have key people who are irreplaceable or whose contributions are so crucial that without them, the business might just fall apart. While large businesses often have many experienced executives that could take up the slack, most small businesses depend on a few individuals to make the business work. This is why key person insurance protection is especially important for maturing small businesses. How much insurance you purchase will depend on your financial needs balanced against what you can afford in premiums.
  • Is Keyman Insurance very expensive ?
    The insurance can be very affordable depending on how much is the sum insured and the product inplace for this strategy, all and all it depends on the company's financial position and the health of the key person .
  • Staying in HDB
    HDB’s mandatory fire insurance covers fixtures and fittings, but it doesn’t cover renovations. If your flat has been extensively renovated, you should get home insurance to complement the fire insurance.
  • Staying in Condominium
    Pay attention to personal liability coverage, particularly if your neighbouring unit(s) are being rented out. The landlord may come after you for lost rental income, if their tenants are forced to move out after your fire or flooding.
  • Staying in Landed Property
    It’s strongly advisable to always use all-risk insurance for landed property, as there are just many more things that can go wrong with a property of this size. Take note of temporary accommodation and storage pay outs – chances are, you have a bigger family or much bulkier items, compared to the average home owner. That could mean greater need for storage and temporary housing. Also, look out for debris removal limits: landed properties can reach up to five-digit sums for debris removal.
  • Does home insurance cover my luxury items / collections ?
    Enter your answer here
  • 1. Increase in compensation and medical expenses limits.
  • 3. Light duties will be claimable.
    Employees on light duties due to work injuries will be compensated for their lost earnings based on their Average Monthly Earnings (AME). Employers will also have to report any instance of light duty or medical leave moving forward. Compulsory reporting to MOM within 10 days for all work related - accidents. (** ex : MC/ light duties / injury / death** )
  • 2. Mandatory to cover all manual employees & non-manual employees with an earnings of $2,600 & below (monthly)."
    The salary threshold for non-manual employees requiring work injury compensation insurance will be increased to from $1600 to $2600 (monthly wages). Insurance coverage for all manual employees, regardless of salary are still complusory.
  • 4. Comprehensive Insurance Policy
    Most of the WIC insurance policies now exclude coverage for some risky work scenarios such as height restrictions , contract value , welding works etc . It would be too late when these employers realise that they had to bear the cost of compensation even though they bought insurance. WEF Sept 2020 , a prescribed core set of standard terms for WICA-compliant policies, employers will be assured of complete coverage - no exclusion for their WICA liabilities. Please note that Common Law ($10 million coverage) might be excluded from WIC policies wef of Jan 2021. However, please check with your agent during renewal as each insurer varies.
  • How To Proceed With A Claim ?
    STEP 1. Contact us / your servicing manger . STEP 2. Submit your accident report to the MOM via the MOM iReport Online Reporting System at http://www.mom.gov.sg/iReport. STEP 3 .Email the MOM IReport together with the required documents to uwa@universalwealth.com.sg for us to process the claims accordingly.
  • How To Proceed With A Claim ?
    STEP 1. Contact us / your servicing manger . STEP 2. An independent adjusters to look into the matter, when necessary. NOTE: It is also necessary for you to take immediate action to mitigate the loss by taking necessary measures to minimise and/or prevent further loss/damage.
  • What Documents Do I Need To Submit?
    1.Fully completed claim form. 2. Photographs of the damaged property 3. CCTV footage showing the incident/loss, if availablePurchased invoices/receipts of the damaged/lost 4. Property Assessment report from repairer on the cause and extent of damage Repair /replacement quotations of the damaged/lost property (Please submit the quotations for our approval before making any repairs/replacement) 5. Accounting records of money lost, if applicable Police report (burglary, robbery or theft) - must be made within 24 hours of the incident As circumstances will be different from claim to claim we may request for additional information or supporting documents which are specific to a claim if require.
  • What Documents Do I Need To Submit?
    1.Fully completed claim form. 2.Medical reports / Inpatient Discharge Summary / Medical note from attending doctor Original medical bills and/or medical certificates / Medical appointment card. 3. Any original receipts / documents to evidence payment of wages. 4. Clinical Abstract form duly signed by the injured worker / Work Permit or NRIC. As circumstances will be different from claim to claim we may request for additional information or supporting documents which are specific to a claim if require.
  • Useful Advisory - Accident Report
    - Establish the facts of the accident when the details of the incident are still fresh in the memory of the parties involved. -Take photographs of the scene to ensure that an accurate first-hand account is available. - Record statements from the parties involved including co-workers and any other witnesses at the scene. - This is especially important if the parties involved are foreign workers who may no longer be in your employ later. - If the accident involves equipment or structures, do not throw away anything until our appointed surveyor has surveyed the scene. Take photographs of the affected equipment or structure before anything is removed. This will help to establish how the accident happened.
  • Useful Advisory - Accident Report
    - Establish the facts of the accident when the details of the incident are still fresh in the memory of the parties involved. -Take photographs of the scene to ensure that an accurate first-hand account is available. - Record statements from the parties involved including co-workers and any other witnesses at the scene. - This is especially important if the parties involved are foreign workers who may no longer be in your employ later. - If the accident involves equipment or structures, do not throw away anything until our appointed surveyor has surveyed the scene. Take photographs of the affected equipment or structure before anything is removed. This will help to establish how the accident happened.
  • What To Do Upon A Third Party Legal Liability Claim?
    1. Let us / your servicing agent know as soon as possible if you receive any thrid party legal claim against you for us to provide immediate support if necessary. 2. Do not admit liability or sign any document agreeing to pay for damages as this may make you personally liable for the damages. 3. Do not reply to any documents received from third parties and forward the documents to us immediately for our assessment and follow up. 4. If you receive a Writ of Summons you must notify us / respective insurance claim division immediately - any delay on your part may make it more difficult to handle the claim. We will need to evaluate each case on its own merits and handle the claims accordingly. 5. Failure to respond to a Writ of Summons will result in Interlocutory Judgment being entered against you. If this happens, your claim will be prejudiced and you may not be covered under your policy. Any additional costs incurred to set aside the judgment will be borne by your company.
  • What To Do When You Receive A Common Law Claim / Legal Letter ?
    Common Law Claims 1. Let us / your servicing agent know as soon as possible if the injured worker or his lawyer starts a common law claim against you so that we can investigate the matter early. 2. Do not admit liability or sign any document agreeing to pay for damages as this may make you personally liable for the damages. 3. Do not reply to any documents received from third parties and forward the documents to us immediately for our assessment and follow up. 4. If you receive a Writ of Summons you must notify us / respective insurance claim division immediately - any delay on your part may make it more difficult to handle the claim. We will need to evaluate each case on its own merits and handle the claims accordingly. 5. Failure to respond to a Writ of Summons will result in Interlocutory Judgment being entered against you. If this happens, your claim will be prejudiced and you may not be covered under your policy. Any additional costs incurred to set aside the judgment will be borne by your company.
  • What Should I Do When A Fire / Break-in  / Property Damages Happens?
    1. Contact Civil Defense immediately during a fire outbreak 2. Lodge a police report immediately if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. 3. Take neccessary action to mitigate the any further damages & loss under safety conditions.
  • Cheque Payment
    Payable To: Universal Wealth Assurance Ageency Pte Ltd Mailing Address : Universal Wealth Assurance Agency Pte Ltd 103 Penang Road #03-06 , Singapore 238467 ***Please indicate your policy number & Company Name at the back of the cheque.
  • Corporate PayNow
    Key in our Unique Entity Number (UEN) 201536266E and make transaction anytime at your convience. Please be reminder to indicate your Policy Number / Company Name under the reference section.
  • Bank Transfer
    Beneficary Name: Universal Wealth Assurance Agency Pte Ltd Bank's Name : MAYBANK Account Number : 0 4 1 6 1 0 7 5 1 4 9 **Please indicate the policy number / name of policy owner under the reference section .
  • Direct to our Insurer Partners
    Check out the available options to pay payment direct: LIBERTY INSURANCE TOKIO MARINE INSURANCE CHUBB INSURANCE SOMPO INSURANCE
  • Convid 19 Support - Premium Payment Initiatives
    In time of crisis, your insurance policy will have play an important role to provide you with financial capital for your losses, enabling your business to rebuild after fires, disasters and accidents, paying for liability claims, and more. Like challenges of the past, we will get through this together and emerge stronger. Detailed installment options to be updated soon...
  • Renovation Works
    Contractor All Risk Project Workmen Injury Compensation
  • Construction / Civil Engineering Works
    Enter your answer here
  • Performance Bonds
    Enter your answer here
kisspng-logistics-transportation-managem

您可以从 THESE CHANGES 中期待什么？

​ 工作相关报告 INCIDENT

雇主必须在_cc781905-5cde 10天内向 MOM 及其保险公司报告任何导致员工死亡、住院或任何病假或轻职务的工作事故-3194-bb3b-136bad5cf58d_the accident。    **不考虑 医生出具的体检证明天数

​

您的  POLICY WEF 2021 年 1 月 1 日会发生什么？_cc781905-5cde-3194-bb3b-136bad5cf58
​
您的保单将受  新赔偿限额 automatically 的保障：
​

  • 1ST JAN 2021 之前续保的保单：您的保单承保范围只会在下一次保单续保 (2021) 期间进行修订。 _cc781905-5cde-3194-bb585d_136bad

​

  • Policy Renew On/After 1ST JAN 2021 : Ensure the policy aligned with MOM's compulsory policy requirements  assured by designated_cc781905-5cde-3194-bb3b- 136bad5cf58d_insurance provider  （尤其是建筑相关业务）。

    • 政策不应有任何排除​

​

 

          _cc781905-5cde-3194 -bb3b-136bad5cf58d_  INCREASE IN PREMIUM 

通过上述增强功能，提供了comprehensive worker 的赔偿保险和accessibility to MOM 与保险公司的共享系统（贵公司过去的索赔历史和支付的总工资、员工人数等） ) ，请为 your upcoming 续订的 premium increase 做好准备。

​

  •  Transparent datas shared by all insurer. 

由于保费的计算 依赖公司的理赔经验 和工作范围的风险 要承保。数据透明度 允许保险公司访问 on公司的详细信息，而不是依赖客户的声明 09-c索赔历史，_cc598d_09-5 bb3b-136bad5cf58d_total 为每位员工申报的员工人数和工资等）. _cc781905-5cde-3194-bb3b-136dbadbad

 

  • 不排除

保险公司承担更高的风险，这将导致对某些行业征收更高的保费 （例如：建筑、装修、物流、航运、离岸等）

​

​

kisspng-computer-icons-accountant-accoun
IMPACT BIZ.png

​您的运营将受到怎样的影响？

  • 更多employees 受雇佣法保护。 ( 月工资 $2600及以下)

​

  • Compulsory 向 MOM / 保险公司 i 报告任何与工作相关的事故（时间范围：10 天内） 。

​

​

  work-related accidents_cc781905-5cde-3194-bb_bad3的例子

​

  • 在向另一个办公室发送文件时从楼梯上摔下来。

  • 在工作时间内，在 business convention 之后遇到车祸。

  • 出差在海外遭遇抢劫并受伤。

  • 为了保护公司的资产 /利益而与对方打架。

F0R 办公室和行政部门  

 

非劳动密集型 Business 

tsuyuri-hara-TVO0e1Tjzqk-unsplash.jpg

劳动密集型 Business 

施工 &   RENOVATION_cc781905-5cde -3194-bb3b-136bad5cf58d_

行业 

项目保险 

（项目承包商一切险+工伤赔偿）
 
每个承包商（马承包商和分包商）都应该依靠他们的年度 WIC 保险来保护他们的员工在工作期间。

  • 项目工人工伤赔偿 (WIC) 将于 2020 年 9 月 1 日 WEF  被取缔，当局将不再承认。

  • 项目承包商所有风险 (CAR) 涵盖的第三方责任和物质损失  保持不变。 

 

 

 

现有_cc781905-5cde -3194-bb3b-136bad5cf58d_PROJECT 保险

​

附加到项目保险的 WIC coverage 可能会被终止，保费退款 将按比例分配 accordingly。但是，  因为每个保险公司可能有不同的  安排，请直接咨询您的代理人。

 

  • NOTE 

与项目保险相关的现有 WIC 保单  将允许从 2020 年 9 月起 1 年到期，保险公司将从 9 月起不再承保项目 WICA。_cc781905-5cde-3194 -bb3b-136bad5cf58d_

kisspng-computer-icons-quotation-mark-co
 

​

          _cc781905-5cde-3194 -bb3b-136bad5cf58d_           FOR总承包人 （Main-Con /Sub-Con ） ？

 

每个雇主（总承包商和分包商）都应该依靠他们的年度 WIC 保险来保护他们的员工在工作期间。作为该项目的主要承包商，您仍然要对整个团队的安全负责，即使 affected subcontractor 应该向他们的公司索赔'_cc781905-5cde- 3194-bb3b-136bad5cf58d_ WIC 保险而不是项目 WIC 保险。

 

以下几点供您参考：

  • Ensure that  all subcontractors are covered with  a valid insurance issued by MOM's_cc781905-5cde-3194- bb3b-136bad5cf58d_ designated insurer    before commencement of the project. _cc781905-5cde-3194-bb3b -136bad5cf58d_

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  • 所有与现场有关的事故都报告给有关当局，并为受影响的员工提供补偿。

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有了全面的_cc781905-5cde -3194-bb3b-136bad5cf58d_WIC INPLACE，我们还需要覆盖 FOR_cc781905-5cde-3194-bb3b - 136bad5cf58d_FWMI 吗？   （外籍员工医疗保险计划）

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两种保险都涵盖了您员工的不同需求。作为雇主，还必须为每个工作许可证和 S-Pass 持有者购买和维持每年至少 15,000 美元的外国工人医疗保险 (FWMI)。

 

外国工人医疗保险 涵盖住院护理和日间手术，包括可能与工作无关的疾病的医院账单。鉴于，工伤赔偿保险涵盖了因工作而引起的和在工作过程中发生的事故。除非有证据证明，否则在雇佣过程中发生的意外被视为因雇佣而发生。

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OUR 咨询

  • 关键提示：始终确保工作场所的安全。 

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  • 与 您的团队/主管/安全官员和您的保险代理人一起制定适合您业务风险的解决方案。 

    • 多次向违反安全规定的员工发出警告信 ，这将对以后的任何索赔起到威慑作用。 _d04a07d8-9cd1-3239-9149-20813d6c76

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  • 您的保险代理人在妥善管理每项索赔方面发挥着作用，以防止 未来的高续保保费加载。

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  • 安全官员和主管应确保所有工人遵守安全准则，并更加注意员工  during  工作。

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  • 查看保险细节而不是最便宜的保费，确保保单符合您的业务性质，并降低公司因索赔而遭受任何财务损失的风险。

摘要 - ADAPT,  PREPARE & MANAGE 

虽然对于某些行业（建筑/物流/海事等）而言，此次续约不可避免地将面临保费的整体增长。确保工作安全并与您信任的代理人密切合作  与您信任的代理人密切合作，利用他们的专业知识来管理您的账户是在发生索赔时最大限度地降低财务风险的关键解决方案。

 

我们衷心希望贵公司的每个人都仍然坚强健康，因为我们相信我们将共同战胜这个时期。虽然我们可能不知道这将何时结束，但 my  团队致力于为您和您的公司提供最好的服务体验。保持安全并保持健康。

josue-isai-ramos-figueroa-Pj4je7OjrME-un

适应，  准备 &  管理 

虽然对于某些行业    （建筑/物流/海事等）不可避免地将面临此次续约的保费整体增加。确保工作安全并与您信任的代理人密切合作  与您信任的代理人密切合作，利用他们的专业知识来管理您的账户是在发生索赔时最大限度地降低财务风险的关键解决方案。

 

最后，我们衷心希望贵公司的每个人都仍然强壮健康，因为我们相信我们将共同战胜这场大流行 convid-19期间。虽然我们可能不知道这将何时结束，但 my  团队致力于为您和您的公司提供最好的服务体验。保持安全并保持健康。

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Singapore  038988

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Monday - Friday, 9.00am - 6.00pm

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Online Consultants:

Monday - Friday, 9.00am - 6.00pm

          Get In Touch With Us_cc781905 -5cde-3194-bb3b-136bad5cf58d_         _cc781905-5cde-3194- bb3b-136bad5cf58d_           _cc781905- 5cde-3194-bb3b-136bad5cf58d_         _cc781905-5cde-3194-bb3b -136bad5cf58d_66387909    _cc781905-5cde-3194-bb3b-136bad5cf58d _           _cc781905-5cde- 3194-bb3b-136bad5cf58d_        uwa@universalwealth.com.sg_cc781905-5cde- 3194-bb3b-136bad5cf58d_          _cc781905 -5cde-3194-bb3b-136bad5cf58d_  

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2022

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