SME Calculator

Basic Coverage

Group Family Takaful (GFT)

Overall Benefit Amounts

Details of Benefits	Plan 1**	Plan 2**	Plan 3	Plan 4	Plan 5	Plan 6	Plan 7
Basic Coverage
A) Death
B) Total & Permanent Disability (TPD)	RM300,000	RM250,000	RM200,000	RM150,000	RM100,000	RM50,000	RM20,000
C) Permanent Partial Disability
D) Terminal Illness*	RM100,000	RM100,000	RM100,000	RM100,000	RM100,000	RM50,000	RM20,000
Optional Rider 36 Critical Illness (50% accelerated on the basic covered amount)	RM150,000	RM125,000	RM100,000	RM75,000	RM50,000	RM25,000	RM10,000
Contribution per year (Age 16 - 69)	RM360	RM300	RM240	RM180	RM120	RM60	RM24
No. of Employee Age 16 - 69
Contribution per year (Age 70 - 75)(Death Benefit Only)	RM24,306	RM20,255	RM16,204	RM12,153	RM8,102	RM4,051	RM1,620
No. of Employee Age 70 - 75

**Applicable to company with employee of 26 to 200.

Total GFT Contribution: RM 0.00

Additional/Optional

Group Hospital & Surgical (GHS)

Overall Benefit Amounts

Details of Benefits	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Hospitalization Medical Benefits
A) Daily maximum up to 180 days	RM500	RM350	RM250	RM200	RM150
B) Intensive Care Unit cases (ICU) – Maximum of 30 days per year	As Charged	As Charged	As Charged	As Charged	As Charged
i. Hospital supplies & Services
ii. Surgical Fees
iii. Operating Theatre Fees	As Charged	As Charged	As Charged	As Charged	As Charged
iv. Anaesthetise Fees
v. In Hospital Physician Visit – Maximum of2 visits per day, maximum 180 days per year
Pre – Hospitalization Benefits
i. Pre-Hospital Diagnostic Test
ii. Pre-Hospitalization Specialist Consultant & Medication	As Charged	As Charged	As Charged	As Charged	As Charged
iii. Second Surgical Opinion
Post – Hospitalization Benefits
i. Post-Hospitalization Treatment
ii. Outpatient Physiotherapy Treatment	As Charged	As Charged	As Charged	As Charged	As Charged
Emergency Medical Benefits
i. Accidental Outpatient Treatment
ii. Accidental Dental Treatment	As Charged	As Charged	As Charged	As Charged	As Charged
iii. Outpatient Sickness Treatment
Outpatient Medical Benefits
i. Day care Procedure
ii. Outpatient Cancer Treatment	As Charged	As Charged	As Charged	As Charged	As Charged
iii. Outpatient Kidney Dialysis Treatment
Miscellaneous Benefits
i. Ambulance Fees	As Charged	As Charged	As Charged	As Charged	As Charged
ii. Medical Report Fees	RM100	RM100	RM100	RM100	RM100
iii. Daily Cash Allowance at Government Hospital	RM200	RM200	RM200	RM200	RM200
iv. Funeral Expenses	RM10,000	RM10,000	RM10,000	RM10,000	RM10,000
Overall Annual Limit Per Annum
Annual Limit	RM200,000	RM150,000	RM100,000	RM75,000	RM30,000
Contribution amount for each coverage group
Cover Employee Only
Contribution rate for age 16 to 64	RM1,135	RM958	RM782	RM606	RM536
Number of employee
Contribution rate for age 65 to 74	RM3,156	RM2,667	RM2,175	RM1,803	RM1,499
Number of employee
Cover Employee & Spouse
Contribution rate for age 16 to 64	RM2,838	RM2,395	RM1,955	RM1,515	RM1,340
Number of employee
Contribution rate for age 65 to 74	RM7,890	RM6,668	RM5,438	RM4,508	RM3,748
Number of employee
Cover Employee & Children
Contribution rate for age 16 to 64	RM2,838	RM2,395	RM1,955	RM1,515	RM1,340
Number of employee
Contribution rate for age 65 to 74	RM7,890	RM6,668	RM5,438	RM4,508	RM3,748
Number of employee
Cover Employee & Family
Contribution rate for age 16 to 64	RM4,540	RM3,832	RM3,128	RM2,424	RM2,144
Number of employee
Contribution rate for age 65 to 74	RM12,624	RM10,668	RM8,700	RM7,212	RM5,996
Number of employee

Total GHS Contribution: RM 0.00

Additional/Optional

Group Outpatient (GOP)

Overall Benefit Amounts

Details of Benefits	Coverage
A) Outpatient General Practitioner (GP) Care
Panel
i. Consultation
ii. Medication
iii. Injection	As Charged
iv. Procedures
v. Diagnostic Lab / X Ray Procedures
vi. Pap Smear
vii. Emergency Non-Panel GP Clinic Visit	As Charged (Reimbursement)
viii. Overseas Treatment Outpatient GP (Emergency Only)	RM60 per visit (Reimbursement)
B) Outpatient Specialist (SP) Care Specialist Clinic with Referral From Panel GP
Panel
i. Consultation
ii. Medication
iii. Injection	As Charged (Reimbursement) , Overall Limit RM1,500 per year
iv. Procedures
v. Diagnostic Lab / X Ray Procedures
vii. Overseas OPSP Treatment (Emergency Only)	RM150 Per Visit (Reimbursement)
Contribution amount
Age Band	Contribution (RM) per person	Employee	Spouse	Children
Age 0 to 60	RM653.00
Age 61 to 71	RM1,860.00

Total GOP Contribution: RM 0.00

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SME Care Takaful Plan

You can customise our product based on your needs

Basic Coverage

Group Family Takaful (GFT)

Overall Benefit Amounts

**Applicable to company with employee of 26 to 200.

Total GFT Contribution: RM 0.00

Additional/Optional

Group Hospital & Surgical (GHS)

Overall Benefit Amounts

Total GHS Contribution: RM 0.00

Additional/Optional

Group Outpatient (GOP)

Overall Benefit Amounts

Total GOP Contribution: RM 0.00

Quick Quote Summary

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Total payable amount:

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*Quotation is subject to change.

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