Group Hospitalisation & Surgical Cover – Covers hospital stays, surgery fees, intensive care, medical supplies, etc.
Annual Coverage Limits – Options to choose limits (e.g. RM12,000 to RM100,000 or more) depending on company size and budget.
Dependents Coverage – Option to extend coverage to employees’ spouses and children.
Cashless Facility with Panel Hospitals – Enables smoother, hassle free admissions at approved hospitals.
Outpatient / Clinical Benefits (GP & Specialists) – Optional riders for outpatient visits, specialist consultations, pre or post hospitalisation care.
Fixed Premiums & Guaranteed Renewability – Locked premiums for a certain period (e.g. 2 or 3 years), regardless of age/gender changes.
No Medical Underwriting for Small Groups – For small groups (e.g. 11 200 employees), some plans allow enrollment without individual medical checks.
Maximum Entry & Renewal Ages – Entry until ~65 years, renewable up to ~70 years in many plans.
Emergency & Critical Treatment Add ons – e.g. outpatient cancer treatment, kidney dialysis, emergency medical evacuation.
