When selecting the Group Hospital and Surgical Insurance, it is important to be aware of the demographic, needs, and group size. A young workforce will have a very different needs as compared to that of a workforce with more senior staffs. Also, a group size of 10 employee would also be very different as compared to one with more than 100 employees.
It is also important to be aware the Hospital and Ward types which you will normally want to be admitted if hospitalisation is necessary. There are mainly Private and Government Restructured Hospital, with ward type of A1, A2, B1, B2, C ward. The different ward types offer different number of patient sharing. Some products do not offer Private Hospital Cover and it is important to recognise this early in your selection.
When selecting the insurer, it is important to understand the products and covers provided by the insurer. For example, some insurer do not carry Dental Outpatient. If this is important to your company, it is best to avoid the insurer. This may also apply if you are looking for some unique extensions of cover.