Insurance
Employee's Benefit
Group Hospitalisation & Surgical Insurance
What does it cover?
It is a plan that which covers the cost of medical treatment and hospitalization, due to accidents and illnesses, for your employees, You can tailor the plan to meet your company’s specific needs. 24/7
Key Coverage
Comprehensive:
Covers outpatient, inpatient and extended benefits.
Outpatient benefits:
- Pre-hospitalisation and pre-surgical diagnostic services
- Pre-hospitalisation specialist fees
- Post-hospitalisation treatment
- Emergency accidental outpatient treatment
- Emergency accidental dental treatment
- Day care surgery
Inpatient benefits:
- Hospital room and board
- Surgeon feesÂ
- Anaesthetist fees
- Intensive Care Unit
- Hospital services and supplies
- Operation theatre
- In-hospital physician visit
Extended benefits:
- Outpatient cancer treatment / kidney dialysis
- Funeral expensesÂ
- Organ transplant
Basic of Sum Insured
Based on the packaged or tailored plan.
What We Don't Cover
Note:Â
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
- Congenital abnormalities.
- Pre-existing condition occuring during the first 12 months of the policy.
- Care or treatment for which payment is not required, or is payable by other insurance or indemnity covering the insured and disabilities.
- Cosmetic/plastic surgery and treatment, refractive errors of the eyes and its correction by any means, hearing aids, acquisition of prosthetic appliances such as artificial limbs, dialysis machine and prescriptions thereof except as necessitated by injuries occurring wholly during the period of insurance.
- Dental care and treatment, except as necessitated by accidental injuries to sound natural teeth.
- AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) and all illnesses or diseases in the presence of Human Immune-Deficiency Virus (HIV), and Sexually Transmitted Diseases.
- Pregnancy, childbirth, miscarriage, abortion, infertility, prenatal or postnatal care, any means of birth control, tests or treatment related to sexual dysfunction or sterilisation.
- Mental or nervous disorder, psychiatric conditions (including any neuroses and their physiological or psychosomatic manifestations), senile or geriatric conditions of any kind, self-inflicted injury or attempted suicide, treatment of alcohol dependence syndrome and drug addiction.
- Routine medical or physical examinations, health check-up, investigating procedures or tests not incidental to treatment or diagnosis of a covered disability, or any treatment which is not medically necessary including any preventive treatments, preventive medicines or examinations and treatment for weight control.
- Cost/expenses of services of a non-medical nature.
- Racing of any kind (except foot racing), underwater activities requiring breathing apparatus, professional sports and criminal activities.
- Illnesses or disabilities of a newborn child contracted prior to or during birth or in the first 14 days thereafter.
- War or any act of war, declared or undeclared, terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
- Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission, or from any nuclear weapons material.
Group Personal Accident Insurance
What does it cover?
It is a plan that provides lump sum accidental death benefits, permanent disablement benefits and cost of accidental medical treatment on 24/7 basis.
Key Coverage
Standard Benefits:
- Death
- Permanent Disablement
Optional Benefits:
- Temporary Total
- Disablement
- Temporary Partial Disablement
- Medical and Surgical Treatment
- Hospital Income
Basic of Sum Insured
Annual Salary: Covers based on employee’s last drawn basic salary for x months
Plan: Based on the packaged or tailored plan
What We Don't Cover
Note:Â
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
- War and allied risks.
- Suicide or any attempt of it.Â
- Pre-existing physical or mental infirmities.Â
- Illnesses, diseases, infections.Â
- Childbirth, miscarriage, pregnancy, or any complications thereof unless caused directly or indirectly by accident.
- Flying as a pilot or crew member in any aircraft.
- Criminal acts.
- Professional sports activities of any kind.Â
- Hazardous sports activities.
- Accidents involving radioactive and nuclear weapon materials.
- Terrorism.