A-SME Flex is a flexible group insurance plan from AIA. This group insurance plan serves as employee benefits insurance plan. This insurance provides comprehensive protection and solutions to small and medium-sized enterprises (SMEs) at a reasonable price.
This AIA group insurance is previously known as AIA SME Platinum. Read below for further details on the AIA SME Flex group insurance.
Click the button below to contact AIA Insurance Agent Levine Lee, to answer your questions on this insurance plan.
AIA SME Flex Group Insurance
AIA SME Flex offers a variety of healthcare coverage options and benefits to suit the company’s budgets and demands. From various types of businesses. The company or employer can customize the plan according to employees’ protection needs. The broad benefit coverage includes life benefits, outpatient benefits, critical illness, and many more.
Employees are the company’s greatest asset. Looking after them means looking after the business as well. AIA SME Flex is a great group insurance package for that. Especially for Small and Medium-sized enterprises (SMEs).
AIA Group Hospitalisation and Surgical (GHS) Insurance Package
AIA GHS Insurance Package Quotation
This AIA Group Hospitalization and Surgical (GHS) Insurance is a Group insurance policy for companies and societies. It is underwritten by AIA Bhd.
There are 2 main coverage benefits. You choose the plans by:
- This GHS hospitalization and surgical benefits plans by room types and annual cap or limits.
- Compassionate Allowance of RM 10,000 available on all plan options.
- The GHS outpatient treatment benefit by annual cap or limits on Specialist clinics visits. GP visits are unlimited.
Select from the list below. Then add to cart to send to us. Once received, we can create the official GHS quote for you.
Product description is detailed below this plan calculator.
Minimum group package size is 5 people.
AIA SME Flex at a glance
• AIA provides recommendations and need-based solutions through fact-finding.
• Enables benchmarking with companies of the same or similar industries to create the right plan for your employees.
• Provides the right package to help you attract and retain employees.
Flexible & Customisable
• Customise your group health plan, and select the medical and term life coverage that suits your business needs and budget.
• Flexibility to choose from an extensive range of benefits and sum insured options for different categories of employees.
• Deductible options to help you manage costs while providing health coverage relevant to your employees’ needs.
• With a deductible, you will also be able to manage any risk of unnecessary claims or misuse as your employees would also participate to manage the cost.
• Exclusive access to Personal Medical Case Management services, ensuring your employees receive the best possible treatment and personalized ongoing support throughout their medical journey when diagnosed with a serious or complex condition.
• Supported by a dedicated and personal medical team, led by a personal medical case manager to reassess and manage your employee’s medical condition.
Corporate AIA Vitality
• Designed to build a healthier workforce for your employees and you.
• Corporate AIA Vitality is an add-on health program for group insurance, that empowers employees with knowledge and tools to make healthier choices, and also motivates and rewards you and your employees to get healthier. Healthy employees mean higher productivity.
Reason to choose AIA SME Flex
By purchasing the right group insurance plan to manage the policy and claim, the company can enjoy an easier and more convenient journey with AIA SME Flex.
Easy to choose
AIA provides benefits recommendations based on the company industry to help create the right plan.
Easy to customize
AIA offers a range of plans and optional benefits to suit the company’s needs and budget.
Easy to buy
AIA’s application process is simple, fast, and hassle-free. Get the quote on the spot, confirm, sign, and submit electronically.
Easy to manage
AIA provides a hassle-free experience from onboarding to the claim process.
AIA SME Flex Group Insurance Medical Benefits
AIA SME Flex Basic Benefit for Group Medical Insurance
Hospital and Surgical Care
AIA SME Flex group insurance helps the company care for the staff by providing them with a complete group hospitalization plan.
See the table below to know the Hospital and Surgical Care benefits covered under AIA SME Flex.
|Room & board||Choose from RM80 to RM600|
|Overall limit||Choose from RM20,000 to RM400,000|
|Class insured||Per Member / Per Family1|
|Plan type||Cashless / Reimbursement / Government Hospital (GH) only|
|Deductible||RM0 / RM300|
AIA SME Flex Optional Benefit for
Outpatient GP & Specialist
This option allows the employees and their dependents the convenience of getting services from a General Practitioner (GP) and Specialist Care (SP). Together with the hospitalization plan, staff will be able to enjoy comprehensive healthcare coverage.
See the table below to know more about details of General Practitioner (GP) coverage under AIA SME Flex.
|Overall Limit||Choose from RM1,500 to RM5,000 or unlimited|
|Plan Type||Panel Clinics/Panel & Non-Panel Clinics|
See the table below to know more details on Specialist Care (SP) coverage under AIA SME Flex.
|Overall Limit||Choose from RM1,000 to RM5,000 or unlimited|
|Plan Type||Cashless/ Reimbursement/Referral/Direct Acess/Direct PAED|
AIA Panel Hospital
AIA has a long list of panel hospitals and clinics that operates all over the states so that their insured members have access to excellent and complete medical care.
Staff can just go and present their AIA medical e-card to the listed healthcare provider to receive the medical treatment.
AIA SME Flex Group Term Life (GTL)
AIA SME Flex GTL Basic Benefit
AIA SME Flex Group Term Life insurance plan ensures staff protection in the event of Death, Total and Permanent Disability due to natural and accidental causes. The benefits coverage includes:
The Term Life Benefit provides the employee with financial security in the event of an untimely death. Any company with a staff group size between 11-200 will be given a No-Evidence Limit (NEL) of RM200,000. With the NEL, staff can be ensured without requiring any evidence of insurability (i.e. Personal Health Declaration Form)
2. Total and Permanent Disability (TPD)
If an employee becomes disabled as a result of an injury or sickness, the compensation from this benefit can help reduce the financial burden suffered.
3. Partial and Permanent Disability (PPD)
The compensation will be given according to the Scale of Indemnity if the employee suffers a permanent partial disability as a result of sickness or accident.
This benefit will be paid if the insured member passed away within twelve (12) of suffering from a Terminal Illness.
5. Repatriation Expenses
This benefit will cover expenses for the transportation of mortal remains back to the country of origin if the insured member passes away while traveling outside of Malaysia.
AIA SME Flex GTL Optional Benefit
A serious illness can be a financial burden. When diagnosed with a critical illness, the insured member will receive compensation which would help ease some of the financial burdens.
Employers can add this Critical Illness benefit in AIA SME Flex to get such extensive coverage.
AIA SME Flex Additional Optional
There are also additional coverage options that employers can choose to add to the AIA SME Flex group insurance plan. The two additional options are:
Group Medcare is a personal Medical Case Management that offers value-added benefits that provide:
- Access to the world’s leading specialist
- Medical support from diagnosis to recover
- 24/7 personalized support
This is applicable to Group Medical Plans only
Corporate AIA Vitality is a science-backed health program that rewards employees’ healthy choices. It empowers them with knowledge, tools, and motivation to achieve their health goals. It is designed to encourage long-term behavior changes in health. The organization can leverage on AIA Vitality platform to drive employee health and engagement.
Terms and conditions apply
To know more about this AIA SME Flex group insurance plan, get in touch with our AIA insurance expert.
Contact Insurance Agents for Group Insurance
Levine Lee has over 18 years of working experience with AIA and ING Insurance. She is an expert AIA insurance agent and life planner for AIA in Malaysia. Contact LEVINE LEE, at +6012 684 0948. She can work with you to create the best plan to meet your employee benefits program and group insurance budget plans.
Or send in the form below for Levine to call you to scope your needs for a quotation.
At Red Cover Life Planning, we emphasize on our people- helping them grow, expanding their abilities, and discovering new opportunities. Join us now to be part of our team and story.
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