Group Medical Insurance and Takaful

Discover Protection That Meet The Needs Of Your Business And Its People

What’s good for your people, is also good for your business. That’s why we provide these products to help you take care of your employees’ health and safety. Do right by them so they can do right by you.

Group Medical

Help your employees and their loved ones feel secure and appreciated with hospitalisation and surgical coverage. Family Members and Dependants also covered. 
 
  • Basic Coverage – Hospitalization & Surgical Benefits
  • Optional Coverage – Funeral Expenses

Human capital is a critical investment and a driving force behind your business Etiqa SME Care enables you to safeguard your employees with comprehensive protection, delivered in a Fast & Easy manner for both the employees & the employer.
 

Easy Coverage, a Group Protection plan which provides comprehensive coverage for you and your family.
 

Give your employees reassuring peace of mind. 
 

  • Basic Coverage – Death (Natural/All Causes)
  • Optional Coverage – Total Permanent Disability (TPD), Accelerated/Additional Critical Illness (CI), Accidental Death & Disability (ADD), Partial Permanent Disability (PDD), Funeral Expenses (FE).

It is a specially designed individual investment-linked plan that provides death and medical coverage throughout employment and upon retirement for Etiqa GHS client.
 
This plan can be used for:
  • Primary Medical Plan - Medical coverage start now (for dependents that is not covered by the company)
  • Post-retirement Medical Plan - Medical coverage for post-retirement period (60-80 years old)
  • Top-up Medical Plan - As top up medical coverage for current employment period for staff on capped medical plans.
 

Comprehensive coverage for employees and their immediate family. Coverage extends to spouse and children. 

  • Basic Coverage – Death
  • Optional Coverage – Total Permanent Disability (TPD), Accelerated/Additional Critical Illness (CI), Accidental Death & Disability (ADD), Partial Permanent Disability (PDD), Funeral Expenses (FE), Daily Hospital Benefit, Accidental Medical Reimbursement, Pay or Benefit.

Eligible coverage extends to spouse (HS benefit only) and children (HS benefit only). 

  • Basic Coverage – Death & TPD (all causes)

  • Optional Coverage – Accelerated Critical Illness (CI), Hospitalisation & Surgical (GHS)

Helps reduce expenses for the employee, members and family dependants in event of the unthinkable. 
 
  • Basic Coverage – Funeral Expenses

Helps reduce expenses for members in event of the unthinkable. 
 
  • Basic Coverage – Funeral Expenses
  • Optional Coverage – Death benefit (All Causes)

Etiqa Life Insurance Berhad
Group Corporate Employee Benefits

On Sim Wee
Head of Division
Vice President
+603 2785 5411
grouplife@etiqa.com.my
 

Etiqa Family Takaful Berhad
Group Corporate Employee Benefits

Zetty Zabir
Head of Division
Vice President
+603 2785 6320
zetty.z@etiqa.com.my

Etiqa Family Takaful Berhad
Group Affinity Business
Medical Top up and Medical for Retirement

Mohd Hanafi bin Mohd Isa
Head of Division
Vice President
+603 2785 6328
mohdhanafi.mo@etiqa.com.my 

Group Panel Hospital

View Group Panel Hospital List

Frequently Asked Questions

  • Policy lapsed / expired.
  • Policy turns to extended term insurance.
  • Admission before risk commencement date.
  • Covered Event falls within 30-days waiting period or 120-days specified illness.
  • Diagnosis falls under Policy Exclusion, eg. pregnancy related illnesses, congenital & etc.
  • Pre-existing Condition is suspected.
  • Non-disclosure of material fact.
  • Non-panel hospital.
  • Overseas treatment.

Yes, this is at hospital's discretion and the amount varies from each hospital. This amount is used to offset any non-covered items during discharge and any balance is refunded back to member.

Yes, the member is required to self-pay and submit for reimbursement claims to Etiqa Medical Claim Department. Claim will be assessed in accordance to terms and conditions of the policy contract.

  • Claim form
  • Medical Form - Statement of Medical Examiner
  • Investigation report (if any)
  • Original bills
  • Original receipts (this is very important as claims can be repudiated in accordance to policy contract)

You can request for Guarantee Letter by providing your identity card number or policy number to the hospital staff. The hospital staff will contact Etiqa Healthcare to verify the policy status and eligibility.

A Complete Guide for Etiqa Medical Policy/certificate Holders

Download the guide below to learn more about our:
 
  • Hospitalisation Admission (Request for Guarantee Letter) & Discharge Process
  • Claims Reimbursement Process
  • Panel Hospitals

Guide for Insurance Guide for Takaful

E-Khairat Claim

Claim Online

The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa or PIDM (visit www.pidm.gov.my).

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