Group Medical Insurance Checklist
A group medical insurance plan gives medical coverage to a group of people. Mostly for employees of a company as part of an employee benefits plan. The best group insurance policies and plans provide customizable health plans as needed for different levels or groups of employees in a company. From startups to large cross border multinational corporations.
The group coverage policies include benefits packages and care plans as needed to have a healthy workforce to maximize productivity, retention and control costs and absenteeism. Group health insurance plans discover for small business health insurance needs.
AIA Public Takaful Group Hospitalisation and Surgical (GHS) Insurance Package
As your workforce is dynamic, a good insurance coverage plan includes an online portal to add and remove people and benefits plans for the staff benefits or groups. This helps the small business owner and HR personnel to simplify the health benefits offering for new staff and employee benefits offerings.
AIA Group Hospitalisation and Surgical (GHS) Insurance Package
The group medical insurance plan should offer health coverage options to choose from. To manage by employee levels, categories, grades or types. And by expense types such as outpatient, hospitalization, surgical or funeral expenses.
AIA GHS Insurance Package Configurator
AIA GHS Insurance Package Configurator
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This AIA Group Hospitalization and Surgical (GHS) Insurance is a Group insurance policy for companies and societies. It is underwritten by AIA Bhd.
There are 2 main coverage benefits. You choose the plans by:
- The hospitalization and surgical benefits plans by room types and annual cap or limits.
- Compassionate Allowance of RM 10,000 available on all plan options.
- The outpatient treatment benefit by annual cap or limits on Specialist clinics visits. GP visits are unlimited.
- The hospitalization and surgical benefits plans by room types and annual cap or limits.
For Employees:
- Provide admission identification such as medical cards or mobile apps for outpatient or hospitalization
- Cover a wide range of reputable clinics and hospitals nearest to the employees home and workplace, locally or while travelling.
- Minimise costs and time for employees to get their treatment.
- Minimise costs and time for management in getting things done with the insurance processes.
- Maximise all group members treatment opportunity to recover and return to work.
For Management and HR:
- Easily explainable benefits and plans for employees understanding
- Management tools such as a local call center or online portals or apps.
- Manage and scale employees and their benefits plans
- Submit and track claims for processing
- Request for letter of guarantee for hospital admissions
The benefits packages are split between employee and expense types as follows:
For Employee Types:
- A variety of employee group sizes and categories
- High coverage age of 65 or 70 years.
- No medical check up where possible
- Covers employees dependents such as spouse and children if required
- Covers expats and foreign workers if required
- Enables individual health insurance plans if required.
For Expense Types:
- Outpatient Family or General Practitioner (GP) clinics
- Outpatient Specialist Clinics
- Hospitalization and Surgical Coverage
- Post hospitalization coverage
- Funeral expenses
- International coverage
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