This document provides information about an independent employee benefit platform and the services it offers. It licenses various financial services and partners with insurance companies. The platform consolidates different employee benefit products from multiple manufacturers, including medical, dental, healthcare, personal finance and retirement plans. It aims to simplify access to these benefits and provide advice to help customers choose options that best suit their needs.
9. Basic Plan
Objective
Additional Benefits
• EPF
• Group Medical Card
• Group Term Life, CI & PA
• Dental Benefit
• Optical
• Wellness
• Portable Medical Card
• Portable Term Life, CI & PA
• Private Retirement Scheme
12. Simple underwriting. Just need to answer ONE simple medical question.
Guarantee acceptance if you are free from the following medical
conditions: Diabetes mellitus, stroke, coronary artery disease, chest pain,
cancer, tumors or leukemia.
Guaranteed coverage even after retirement up to age 80.
Option to convert RM15,000 deductible to zero deductible at age 55
without health declaration.
No medical check up is required
Salary deductions for premium via salary deduction while the employee is
still working with the Company. When the employee leaves the Company,
they can continue this policy and payment can be made on half yearly or
yearly basis through
a) credit card or ;
b) cheque
Features
13. 30020010080
Hospital Room & Board Daily Benefit (not subject to deductible)
(150 days per any one disability)
1
Pre-Hospitalisation Diagnostic Tests (within 31 days prior to
hospitalisation)
8
Pre-Hospitalisation Specialist Consultation (within 31 days prior
to hospitalisation)
9
In-Hospital Physician Visit-for non-surgical disability (max 2 visits
per day)
7
Post-Hospitalisation Treatment (within 60 days following
discharge from hospital)
10
Home Nursing Care (maximum 180 days per lifetime)11
Anaesthetist Fees5
Operating Theatre Fees6
Intensive Care Unit Daily Benefit (50 days per confinement)2
Hospital Supplies and Services3
Surgical Fees - Specialist’s visit & Post Surgery Care
(up to 60 days following the date of surgery)
4
Hospitalisation & Surgical BenefitsA
Ambulance Fees12
As Charged (includes day surgery) subject to
Reasonable and Customary Charges
Plan 4
(RM)
Plan 3
(RM)
Plan 2
(RM)
Plan 1
(RM)
Table of Benefits
Benefits
14. 20,00015,00010,0005,000Out-Patient Physiotherapy Treatment (subject to a
maximum of 5 sessions following each hospital discharge,
up to a maximum of 20 sessions per year, subject to the
annual limit)
3
20,00015,00010,0005,000Out-Patient Stroke Treatment1
20,00015,00010,0005,000Out-Patient Major Organ Transplant Treatment2
Catastrophic Out-Patient Treatment Benefits (per annum) (Not Subject To Deductible)C
1,500,0001,000,000500,000250,000Overall Lifetime Limit (includes benefit A to D)
150,000100,00050,00025,000Overall Annual Limit (includes benefit A & D)
Bereavement Benefits (Not Subject To Deductible)E
10,00010,0005,0005,000Death (all causes)1
As chargedGovernment Service Tax1
100755025Daily Cash Allowance at Government Hospital (maximum
100 days per annum)
2
Miscellaneous Benefits (Not Subject To Deductible)D
20,00015,00010,0005,000Out-Patient Cancer Treatment2
20,00015,00010,0005,000Out-Patient Kidney Dialysis Treatment3
3,0002,0001,000500Emergency Accidental Out-Patient Treatment & 30 days
follow up treatment
1
Plan 4
(RM)
Plan 3
(RM)
Plan 2
(RM)
Plan 1
(RM)
Table of Benefits – Continued
Out-Patient Treatment Benefits (per annum)B
Benefit
16. Example 1 : If Total Hospital Bill More Than Entitle Limit
Company Entitle
Limit
If total hospital bill = RM50,000
RM50,000 - RM40,000 = RM10,000
Example
RM40,000
RM10,000 can be claimable under
"Portable Top Up Medical Plan" if
hospital bill is insurable and not
fall under uncovered items
Example 2 : If Room & Board Exceeded The Entitlement
Company Entitle
Room & Board
Actual Room &
Board Stay
Excess Room &
Board
Room & Board
Under "Portable
Top Up Medical
Plan"
Amount Payable under
Portable Top Up Medical
Plan
RM 200 (RM 50)RM 250 RM 100
RM50 can be claimable
under "Portable Top Up
Medical Plan".
Plus Point
18. Cashless dental treatment facility at the network of panel
clinics
No waiting period before proceeding with treatment
Cover for multiple treatments with No limits on the number
of visits to the dentist in a year
Savings on family plans if you cover or intend to cover your
employees’ dependents
Access to over 500 dental practitioners at over 250 Panel
Clinics across Malaysia including Sabah and Sarawak
One common premium, whatever your gender, age,
occupational grade or previous dental health
Feature
19. Restorations or Fillings (100% Cashless Cover)
a) Fillings
b) Scaling & Polishing
c) Extractions
d) Dressings
e) Medication
f) X-rays
Yearly limit per person RM XXX.XX
Premium rate per person per year RM XXX.XX
Benefits
22. Comparison
G Company Az Company A Company T Company
Premium Per RM1,000
Sum Insured Per Month
RM 1 RM 1.33 RM 1 RM 4.3
Premium vs age Same Same Same Same
3D Coverage:
- Life
- TPD
- CI
- PA
- Funeral Exp.
- Daily Hosp. Income
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
No
Portable Yes Yes Yes Yes
Extended to Spouse &
Children
Yes Yes Yes Yes
25. Comparison
G Company Az Company A Company T Company
Non Medical
Limit – Medical
CheckUp
No for First
RM60,000 Cover
(Min 500 Lives)
No for First
RM75,000 Cover
(Min 500 Lives)
Yes Yes
Exclusion N/A*
Hepatitis C, Stroke,
Coronary Artery
Disease, Heart Valve
Disease and All
types of Cancer Only
Subject to
Underwriting
Subject to
Underwriting
Death Due to Pre-
existing illness
- First 2 years
- After 2nd year
50% sum insured
100%
Premium Refunded
100%
Fully Covered
if Disclosed
and Not
Excluded
Fully Covered
if Disclosed
and Not
Excluded
Maturity Value
Based On
Performance
Guaranteed Min
50% of
Premium Paid
Based On
Performance
Based On
Performance
26. 3Dxtra
We Choose and
Structure Insurance
Plans that work best
for you.
It is Simple, Cost
Effective and Easy to
subscribe.
It is One Price
regardless of Age
and Gender,
And fixed for Life
No Medical
Checkup
required, just
answer few
questions and
get insured.
We are always
looking for
the Best Value
for what you
pay.
33. Launch
ed in
July
2012
Private
Retirement
Scheme
EPF
YOURRETIREMENTFUND
PRS
First PRS
Scheme
launched
in Oct
2012
Unit Trust
Securities
Commission
O
B
J
E
C
T I V E S
WHATIT
DOES ?
Investment
Managed By
PRS Accounts
Administrate By
70%
Account
A
30%
Account
B
Full Withdrawal Only
• Reach Age 55
• Death
• Permanent
Departure
• No Penalty
Can Withdraw
Once A Year
• Subject to
8% Tax
Penalty
PRS
Investment
Scheme
44Schemes
Introduction of PRS
37. Our Value
Periodic review and help
identify your main risk
exposure;
Acting on behalf of the
you in negotiations with
Insurance Companies;
Have strong bargaining
power for negotiation
with insurance
companies, thus able to
secure the most
competitive terms and
quotes from insurer.
Product
Manufacture
A
Product
Manufacture
B
Product
Manufacture
C
Advisers
Company
38. Ease of Access
End to end automation of medical claims processing
(Corporate – TPA – Corporate)
Availability utilization / Management reports (readily available
on a 24 x 7 mode)
Reports downloaded into various formats (ASCII text, Excel
Spreadsheet, Database…etc)
Archival of historical claims information (for as long as 7+7
years)
Reduce complexity of billings / payment (Electronic billing and
payment system)
Smart App Modules (State of the art web based eClaims
System to enquire and to print various online management &
analysis reports for more than 25 reports on inpatient &
more than 30 reports on outpatient.
41. Summary
We Focus On YOU and
YOUR Needs
YOU are served by a team
Of professional Financial Advisers
Support by a licensed,
professional and independent
Financial Planning Company
We formulate a solution
that Best fit YOU
