Group Hospital and Surgical Benefits

Robust protection for life’s bigger health moments — from hospital stays to long-term treatment, we've got your team covered.

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It's time to invest in your employees’ health and wellbeing

Looking after your employees' health and wellbeing is increasingly becoming a priority for businesses of all sizes. Organisations are recognising the significant benefit of taking a proactive approach to workplace health and wellbeing.

This includes minimising employee absence due to ill health, elevating workforce productivity and creating a happy and healthy culture where employees can thrive.

If you're considering hospitalisation benefits and supplementary major medical cover for the first time or looking to review the benefits you have in place, our team of expert consultants can help you. They provide independent and impartial advice based on the needs of your business, people and budget. Rest assured, you’ll be in excellent hands.

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Why it works for your business

Cost-effective and strategic
Group medical benefits don’t just protect your people — they protect your bottom line. Our solutions offer strong value, with options to suit a range of budgets and business goals.
Premium refund potential
We negotiate with risk providers to build in premium refund terms (subject to favourable loss ratios), giving you even more value from your investment.
Smart data insights
With claim utilisation analysis, we help you understand how your benefits are being used — and where you can make smarter decisions to manage cost and impact.
Benchmarking built in
We’ll show you how your benefits stack up against others in your industry — helping you stay competitive and in tune with what top talent expects.
Support for attraction and retention
In today’s talent market, medical cover isn’t just nice to have. It’s expected. A strong plan sends a clear signal: you care about your people.
On-site help, when and where you need it
From onboarding to ongoing queries, we can provide on-site help desks to make sure your employees always have the answers they need, fast.

Why your people will thank you

Peace of mind, when it matters most
Whether it’s a hospital stay or ongoing treatment, employees know they’re covered — so they can focus on recovery, not costs.
Fast, fair claims
Our in-house claims management team keeps things moving, so your people aren’t left waiting.
Clarity from day one
We don’t leave your employees guessing. We run onboarding and education sessions so they know exactly what’s covered — and how to use it.
Wellbeing, not just sick leave
Our wellness programmes are built to prevent issues before they start — helping your people live healthier lives and reducing claim rates over time.
Always-on support
Questions can come up anytime. That’s why we offer 24/7 in-house support for anything healthcare-related — even in an emergency.

What your policy covers

Local hospitalisation and surgery (including daily hospital cash benefits)
Coverage for legal spouse and children
Pre- and post-hospitalisation expenses
Long-term treatments including outpatient cancer, kidney dialysis, and physiotherapy
Overseas hospitalisation (via reimbursement)
Pre-existing and specified illnesses
Cashless access to panel providers or reimbursement options
Extensive network of panel clinics and hospitals
Mobile app and online portal for easy access
Telemedicine with medication delivery
Seamless admission and claims process

Malaysia’s healthcare system: balancing cost and care

Malaysia runs on a dual healthcare system — public and private. The public sector offers highly subsidised care but often comes with long queues and overburdened facilities. Meanwhile, the private sector provides faster, more personalised treatment — but at a higher cost, usually picked up by employer-sponsored insurance plans.

It’s a system of contrasts, and employers sit right in the middle — trying to deliver meaningful healthcare benefits that strike the right balance between quality, cost, and access.

And that balance is getting harder to maintain.

In 2024, Malaysia’s medical cost inflation hit 15% — well above the global average of 10%. That’s not just a number. It’s pressure on your business and your people.

While we always look for opportunities in every challenge, we know the strain of rising premiums is real. Employers are under growing pressure to offer benefits that not only protect employees but do so in a way that’s sustainable, competitive, and genuinely valued.

That’s where smart, strategic benefit design makes all the difference.

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Employee benefits that align with your business goals

We don’t believe in a ‘one size fits all’ approach to employee benefits. Your group hospital and surgical insurance plan should align directly with your goals as a company. And, as part of your wider employee benefits plan, it should be a true reflection of the unique culture you’ve built as a business.

That’s why we start by taking the time to really understand your business at the start. By putting ourselves in your shoes first, we can gain a thorough understanding of your specific needs, and what we can do to ensure your group health insurance plan delivers value for your spend.