Group Hospitalisation

Your business's most important assets are your employees. Their health would be the driving force of your business.

We at Hong Leong Assurance understand your employees’ financial and protection needs. Designed to cater to your needs, our Group Hospitalisation & Surgical (GHS) policy is a well-structured plan that offers comprehensive benefits to your employees.

This plan helps to ease the employees’ worries on hefty medical bills and with the option to protect their immediate family members as well.

Benefits

"As Charged" benefits
a. Per Disability Limit or ;
b. Per Annum Limit

"As Charged" benefits
Claims payable based on respective limits of each benefits in benefits schedule

Who Can Apply

Employees
Minimum Entry Age : 16 years old
Maximum Entry Age : 60 years old
Renewable Age: up to 65 years old

Dependents - Spouse
Minimum Entry Age : 16 years old
Maximum Entry Age : 60 years old
Renewable Age: up to 65 years old
Dependents – Child
Unmarried children over 30 days but under 19 years

Minimum Participation
11 Assured members

Coverage Features

Coverage
No benefit shall be payable for any medical treatment received by the insured member outside Malaysia, if the insured resides or travels outside Malaysia for more than 90 consecutive days.

Conditions
1.There must be an Employer-Employee relationship.
2.Once the employee resigns, the coverage will cease.
3.With co-payment of 80 / 20 in the event of R&B upgrade
4.NEW POLICIES - Applicable to companies taking up this policy for the first time
i.Pre-existing exclusion for 12 months
ii.Specified illness exclusion for 120 days
5.TAKE OVER POLICIES - Applicable to companies currently insured with a GHS scheme
6.Waiver of pre-existing exclusion and specified illness for existing employees and  dependents (if applicable)

Exclusions
As per standard policy exclusions

Optional Benefits