What is Group Hospital & Surgical Insurance Policy insurance?

A plan which covers the cost of medical treatment and hospitalisation for your employees, due to accidents and sickness. You can tailor the plan to meet your company’s specific needs.

Key coverage

An overview of your protection

Hospitalization & Surgical Benefits

Hospitalization & Surgical Benefits

Outpatient Benefits

  • Pre-hospitalization and pre-surgical diagnostic services
  • Pre-hospitalization specialist fees
  • Post-Hospitalization Treatment
  • Emergency accidental outpatient treatment
  • Outpatient monthly outpatient cancer treatment
  • Emergency accidental dental treatment 

Inpatient Benefits

  • Hospital room & board
  • Surgeon fees
  • Anaesthetist Fees
  • Intensive Care Unit
  • Hospital services & supplies
  • Day care surgery
  • Operation theatre
  • In-hospital physician visit

Special Benefits

  • Ambulance Fee
  • Daily cash allowance at general hospitals
  • Bereavement allowance

How much is my premium?

Your premium is depends on your employees’

  • age
  • health status
  • selection of plan and limit
  • group size
  • claim experience

However, it may vary depending on the other factors not mentioned above. Written quotation will be provided upon request.

Download our brochures under the Product Literature.

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What we don’t cover

  • Pre-existing conditions and congenital abnormalities
  • Specific illness occurring during the first 12 months of the policy
  • Care or treatment for which payment is not required or, is payable by other insurance or indemnity covering the Insured and Disabilities
  • Cosmetic/plastic surgery and treatment, refractive errors of the eyes and its correction by any means, hearing aids, acquisition of prosthetic appliances such as artificial limbs, dialysis machine and prescriptions thereof except as necessitated by Injuries occurring wholly during the Period of Insurance
  • Dental care and treatment, except as necessitated by accidental injuries to sound natural teeth
  • AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) and all illnesses or diseases in the presence of Human Immune-Deficiency Virus (HIV), and Sexually Transmitted Diseases
  • Pregnancy, child birth, miscarriage, abortion, infertility, prenatal or postnatal care, any means of birth control, tests or treatment related to sexual dysfunction or sterilization
  • Mental or nervous disorder, psychiatric conditions (including any neuroses and their physiological or psychosomatic manifestations), senile or geriatric conditions of any kind, self-inflicted injury or attempted suicide, treatment of alcohol dependence syndrome and drug addiction
  • Routine medical or physical examinations, health check-up, investigating procedures or tests not incidental to treatment or diagnosis of a covered disability, or any treatment which is not medically necessary including any preventive treatments, preventive medicines or examinations and treatment for weight control
  • Cost/expenses of services of a non-medical nature
  • Racing of any kind (except foot racing), underwater activities requiring breathing apparatus, professional sports and criminal activities
  • Diseases or disabilities of a newborn child contracted prior to or during birth or in the first 14 days thereafter
  • War or any act of war, declared or undeclared, terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection
  • Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 1st September 2018.

Duration of cover is for one year. You need to renew your insurance policy annually before the policy expires so as to ensure continuity of coverage.

You are to truthfully, correctly and completely answer all questions in the proposal form and disclose fully and faithfully all the facts which you know or reasonably in the circumstances could be expected to know to be relevant to our decision on whether to accept the risk or not and the rate and terms to be applied, otherwise the Policy issued may be void.

It is important that you read and understand the Terms, Conditions and Exclusions of the policy, and at all times, feel free to contact us for more information.