Employee Benefits Insurance in Malaysia
Allianz SME Choice Plus is an employee benefits group insurance plan from Allianz Insurance. This Allianz group insurance plan offers financial protection for employees against unexpected death or disability or hospitalization or both. All in a single plan.
This Allianz SME Choice Plus is suitable for a company that has 3 to 200 employees.
Click the button below to contact Allianz Insurance Agent Jeffrey Teoh, to answer your questions on this insurance plan.
Or send in your enquiry. We will contact you to create the best insurance quotations for your business insurance needs.
Allianz SME Insurance Coverage
Allianz SME Choice Plus offers comprehensive insurance coverage. The coverage benefits included in this group insurance plan are Group Term Life (GTL) and Group Hospitalisation and Surgical (GHS).
This group insurance plan is convenient and flexible as it allows employers to select the coverage options that best suit the company’s budget and needs.
Allianz SME Choice Plus Group Hospitalisation and Surgical
Basic Benefits for Allianz SME Choice Plus GHS
This Allianz group insurance provides a range of advantages to the employee. This includes a high overall annual limit cover upon hospitalization so that the employee can recover without worrying about the medical cost.
See the table below to see the sum insured amount for each benefit offered under Allianz SME Choice Plus.
| Benefits | Amount |
| Overall Annual Limit | From RM 20,000 to RM 300,00 |
| Hospital Room & Board | From RM 90 to RM600 |
| Intensive Care Unit | As charged |
| Hospital Supplies and | As charged |
| Surgical Fees | As charged |
| Anesthetist Fees | As charged |
| Operating Theatre Fees | As charged |
| In-Hospital Physician Visit (up to 180 days per Disability and subject to maximum of 2 visits per day) | As charged |
| Pre-Hospitalisation Diagnostic Tests (within 180 days prior to hospitalization) | As charged |
| Pre-Hospitalisation Specialist Consultation (within 180 days prior to hospitalization) | As charged |
| Second Surgical Opinion (within 180 days prior to hospitalization) | As charged |
| Post-hospitalization 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 |
| Ambulance Fees (results in hospitalization) | As charged |
| Accidental Dental Treatment (within 24 hours after the accident and follow-up treatment up to 180 days) | 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 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) | RM10,000 |
Optional Rider for Allianz SME Choice Plus GHS
The optional rider is an add-on coverage to standard group insurance. By opting for a rider, employees can secure more extensive group health insurance coverage. Which also provides greater financial security for them.
For Allianz SME Choice Plus, there are two optional riders that the client can choose.
- Outpatient General Practitioner Care
- Referral letter from Panel Clinic
See the table below for more details on the Outpatient General Practitioner Care services offered in Allianz SME Choice Plus.
| 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 a reimbursement basis. |
| Overseas Coverage | On a reimbursement basis. Maximum up to RM60 per visit |
| Overall Annual Limit | Unlimited |
See the table below for more details on the Referral Letter from Panel Clinic services offered in Allianz SME Choice Plus.
| Consultation | On a reimbursement basis. |
| Medication | On a reimbursement basis. |
| Injection | On a reimbursement basis. |
| Diagnostic Services | On a reimbursement basis. |
| Outpatient Surgical Procedure | On a reimbursement basis. |
| Physiotherapy | On a reimbursement basis. |
| Overseas Coverage | On a reimbursement basis. Maximum up to RM200 per visit |
| Overall Annual Limit | From RM 1,800 to RM 2,500 |
Allianz Panel Hospital
Allianz has a large network of panel hospitals and healthcare providers across the country that provide excellent medical treatment and service. This makes it easier for the employee to access the healthcare provider that is nearby their area.
Employees can just go and present their medical card to get admitted inside the healthcare facility.
Allianz SME Choice Plus Group Term Life
Basic Benefits for Allianz SME Choice Plus GTL
The basic benefits under the Allianz SME Choice Plus GTL insurance plan are:
- Death (all causes)
- Total and Permanent Disability (TPD, all causes)
- Partial and Permanent Disability (PDD, all causes)
- Terminal Illness (TI) or whichever is earlier.
See the table below for the sums insured by different plans for basic benefits under Allianz SME Choice Plus GTL.
| Benefit | P1 500,000 | P2 300,000 | P3 200,000 | P4 150,000 | P5 100,000 | P6 50,000 |
| Death (all causes) or Total and Permanent Disability (TPD, all causes) Partial and Permanent Disability (PDD, all causes), or Terminal Illness (TI), whichever is earlier. | 500,000 | 300,000 | 200,000 | 150,000 | 100,000 | 50,000 |
Optional Rider for Allianz SME Choice Plus GTL
The optional riders under the Allianz SME Choice Plus Group Term Life insurance plan are:
- Accidental Death and Disablement (ADDI)
- Additional Critical Illness (ADCI)
- Accelerated Critical Illness (ACCI)
See the table below for the sums insured by different plans for the optional rider under Allianz SME Choice Plus GTL.
| Benefit | P1 500,000 | P2 300,000 | P3 200,000 | P4 150,000 | P5 100,000 | P6 50,000 |
| Accidental Death and Disablement (ADDI) | 500,000 | 300,000 | 200,000 | 150,000 | 100,000 | 50,000 |
| Additional Critical Ilness (ADCI) | 500,000 | 300,000 | 200,000 | 150,000 | 100,000 | 50,000 |
| Accelerated Critical Illness (ACCI) | 500,000 | 300,000 | 200,000 | 150,000 | 100,000 | 50,000 |
Frequently Asked Questions about Allianz SME Choice Plus
Who is eligible for Allianz SME Choice Plus coverage?
All full-time and actively at-work employees, directors, partners, and proprietors. They must be in occupational classes 1 to 3 to be eligible for Group Term Life and Group Hospitalization and Surgical.
What are the premium payment options?
Only “Annual” mode of payment is allowed for Allianz SME Choice Plus
Can I change/upgrade the employee benefit in Allianz SME Choice Plus?
Yes. Allianz SME Choice Plus change or upgrade can be done on the annual policy renewal.
What happens when an employee resigns or there is a new employee?
A pro-rated premium shall be refunded for any employee resignation. And a pro-rated premium will be charged when a new employee joins the organization after the policy commencement date.
Does Allianz SME Choice Plus provide overseas coverage?
Yes, all benefits are applicable worldwide 24 hours a day. However, if the insured member chooses to or is referred to be treated outside Malaysia by the attending doctor. Then, the hospitalization and surgical benefits payable will be based on the reasonable and customary, and medically necessary charges for such an equivalent treatment in Malaysia. The transportation cost to the place of treatment is excluded.
What are the terms and conditions of the cashless facility for Allianz SME Choice Plus?
The cashless facility is provided as an option for Group Hospitalization and Surgical applications. If an Outpatient Clinical rider is selected, a cashless facility is mandatory. The insured member will be given a cashless card to be used at that panel hospital or clinic. They don’t have to pay for admission.
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.
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