Allianz Malaysia GHS Insurance
Allianz Group Hospitalisation and Surgical (GHS) is a group insurance plan that provides medical coverage benefits to insured members.
Allianz Group Hospitalisation and Surgical (GHS) is part of the Allianz SME Choice Plus insurance plan. It is a comprehensive package that offers protection against death/disability and hospitalization by Allianz Insurance Malaysia.
Click the button below to contact Allianz Insurance Agent Jeffrey Teoh, to answer your questions on this insurance plan.
Or send in enquiry. We will contact you to create the best insurance quotations to fit your employee benefits plan needs.
Allianz Group Hospitalisation and Surgical (GHS)
The purpose of the Allianz Group Hospitalisation and Surgical (GHS) insurance plan is to cover the expenses related to hospitalization and surgical care. This includes fees for the hospital medical, outpatient cancer treatment, outpatient kidney dialysis treatment, and many more.
In Malaysia, this Allianz GHS insurance plan is often provided by the company as the employee benefits package. It gives peace of mind to the employees knowing that they are covered financially in the event of unexpected events.
Allianz Group Hospitalisation and Surgical (GHS) Basic Benefit
The Allianz Group Hospitalisation and Surgical (GHS) insurance plan offers a high overall annual limit, starting from RM 20,000 to 300,000. This allows the employee to get the best medical treatment needed without worrying about the high expenses.
See below to see the list of benefits under the Allianz Group Hospitalisation and Surgical (GHS) basic plan.
| Benefits | Amount (RM) |
| Overall Annual Limit | From 20,000 to 300,000 |
| Hospital Room and Board | From 90 to 600 |
| Intensive Care Unit | As charged* |
| Hospital Supplies and Services | As charged* |
| Surgical Fees | As charged* |
| Anesthetist Fees | As charged* |
| Operating Theatre Fees | As charged* |
| Ambulance Fees (results in hospitalization) | As charged* |
| Pre Hospitalisation Specialist Consultation (within 180 days prior to hospitalization) | As charged* |
| Second Surgical Opinion (within 180 days from discharge, with physiotherapy coverage) | As charged* |
| Second Surgical Opinion (within 180 days from discharged, with physiotherapy coverage) | As charged* |
| Post Hospitalisation Treatment (within 180 days from discharge, with physiotherapy coverage) | As charged* |
| Home Nursing Care (subject to a maximum of 180 days per disability) | As charged* |
| In-Hospital Physician Visit ( up to 180 days per Disability and subject to a maximum of 2 visits per day) | As charged* |
| In-Hospital Physician Visit ( up to 180 days per Disability and subject to maximum of 2 visits per day) | As charged* |
| Accidental Outpatient Treatment (within 24 hours after the accident and follow-up treatment up to 180 days) | As charged* |
| Outpatient Cancer Treatment | As charged* |
| Outpatient Kidney Dialysis Treatment | As charged* |
| Outpatient Stroke Treatment | As charged* |
| Organ Transplant | As charged* |
| Outpatient Dengue or Enteric Fever Treatment (includes consultation, examination tests and prescribed take-home drugs) | As charged* |
| Alternative Treatment (due to accident only) (subject to 10 visits per policy year) (exclude physiotherapy) | As charged* |
| Day Care Procedure/Surgery (pre day care visits up to 180 days and post-day care visits up to 180 days) | As charged* |
| Daily Cash Allowance at Government Hospital (up to 180 days per Disability) | From RM 80 to 350 |
| Medical Report Fee | Up to a maximum of RM150 per admission for in-patient treatment or per Disability for Outpatient treatment |
| Funeral Expenses (all causes) | 10,000 |
Allianz Group Hospitalisation and Surgical (GHS) Optional Rider
The purpose of an optional rider is to enhance the coverage and benefit of the group insurance. For Allianz Group Hospitalisation and Surgical (GHS), there are two optional riders that the employer can choose. The Outpatient General Practitioner Care and Referral Letter from Panel Clinic.
Under the Allianz Group Outpatient Clinical additional rider, the staff will be given a cashless medical card so they can have access to faster outpatient medical service at any Allianz panel clinic.
See below for more details on the benefits under the two optional riders.
Outpatient General Practitioner Care
| Consultation | Cashless. Covered only at Panel Clinics. |
| Medication | Cashless. Covered only at Panel Clinics. |
| Injection | Cashless. Covered only at Panel Clinics. |
| Diagnostic Services | Cashless. Covered only at Panel Clinics. |
| Outpatient Surgical Procedure | Cashless. Covered only at Panel Clinics. |
| Mandatory Child Immunisation | Cashless. Covered only at Panel Clinics. |
| Pap Smear Examination | Cashless. Covered only at Panel Clinics. |
| Emergency Non-panel GP Clinic Visit | On reimbursement basis. |
| Overseas Coverage | On reimbursement basis. Max up to RM60 per visit. |
| Overall Annual Limit | Unlimited |
Referral Letter from Panel Clinic
| Consultation | On reimbursement basis. |
| Medication | On reimbursement basis. |
| Injection | On reimbursement basis |
| Diagnostic Services | On reimbursement basis |
| Outpatient Surgical Procedure | On reimbursement basis |
| Physiotheraphy | On reimbursement basis |
| Overseas Coverage | On reimbursement basis. Maximum up to RM200 per visit. |
| Overall Annual Limit | From RM 1,800 to 2,500 |
Allianz Group Hospitalisation and Surgical GHS Waiting Period
The waiting period for Allianz Group Hospitalisation depends on the condition of the insured member.
For pre-existing conditions and specified illnesses, the waiting period is 120 days. Meanwhile for any disability (except for injury), the waiting period is 30 days.
Read here to know more about the Allianz Group Hospitalisation and Surgical (GHS) Waiting Period.
Allianz Group Hospitalisation and Surgical GHS Claim Submission
The claim process for Allianz Group Hospitalisation and Surgical can be done online via MiCare MyMed mobile app.
Read more about Allianz Group Hospitalisation and Surgical GHS Claim Submission here.
Allianz Panel Hospital and the Admission Process
Allianz has appointed a wide range of panel hospitals all over Malaysia.
See more about the Allianz Panel Hospital lists and the admission process here.
Frequently Asked Questions about Allianz Group Hospitalisation and Surgical
Who is eligible for coverage?
All full-time and actively at-work employees, directors, partners, and proprietors in occupational classes to 1 and 3 are eligible for GTL and GHS. Including their dependant.
What is the group size requirement for this group policy?
3 to 200 employees.
What is the eligible age for the employee?
The start entry age is 16 years old to 64 years old. And the maximum renewable age is 69 years old.
Are the premium rates and renewal of the policy guaranteed?
For GHS and Outpatient Clinical benefits, the premium rate is determined based on the policy’s claim experience, cost of medical treatment, advancement in medical technology and etc. Read more about the Allianz Group Hospitalisation and Surgical (GHS) Renewal Premium Rate here.
What are the terms and conditions of the cashless facility?
The cashless facility is provided as an option for GHS. If the company selected the Outpatient Clinical rider, then the cashless facility is mandatory.
With a cashless facility, the insured member does not need to pay for admission into panel hospitals. As well as visits to Non-Emergency Outpatient Clinical General Practitioner Care. They will be given a cashless card to be used at the panel hospitals/clinics.
Learn more about Allianz Group Insurance
To learn more about the Allianz Group Hospitalisation and Surgical (GHS) insurance plan and other Allianz group insurance, get in touch with Red Cover’s expert Allianz insurance agent.
Contact Allianz Insurance Agents for Group Insurance
Jeffrey Teoh has over 20 years of distinguished working experience with the best group insurance company in Malaysia. Contact Jeffrey on his mobile phone at +60102719089. He 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 Jeffrey to call you to scope your needs for a quotation.
At Red Cover Life Planning, we emphasize our people- helping them grow, expanding their abilities, and discovering new opportunities. Join us now to be part of our team and story.
- Allianz Group Insurance for SME - 19 September 2023
- Allianz Partial and Permanent Disability - 28 August 2023
- Allianz Critical Illness - 5 May 2023
