GHS Insurance Employee Benefits

A GHS (Group Hospitalisation and Surgery ) insurance plan is a must for most companies. Employees look forward to these medical benefits from their employer. It helps employees to manage most medical emergencies.

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Or send in enquiry. We will contact you to create the best insurance quotations to fit your employee benefits plan need.

To create a GHS insurance plan, the human resources person will need to provide the list of employees with their designation or position in the company.

The reason for that list is to know what kind of GHS insurance benefits can be offered and the cost of such a medical benefit to the company.

Outpatient Care Insurance

It should be noted that AIA provides unlimited GP (General Practitioner) clinic visits for its GHS Insurance outpatient plan. So the employee can enjoy worry free treatments at AIA panel clinics throughout Malaysia. This outpatient plan is a rider or add-on to the main GHS insurance policy. It is not provided as a stand alone benefit.

Hospital Room Rates

For AIA, there are six general GHS insurance plans to fit the employee categories. These plans provide the basic benefits as follows:

• The type of hospital room an employee is entitled to.
• The amount of coverage the insurance provides to pay the hospital bills.

Hospital rooms come in suites, single bedded rooms, double bedded and four bedded rooms at most hospitals. The higher GHS plans such as Plan 500 and Plan 350 can provide for single bedded rooms as the room rates would range from RM 300 to RM 1,200 per day, depending on the hospital.

Hospital Room Rates Examples

These are the room rate pages for some hospitals. You will find that Columbia Asia is on the more affordable range.

• Columbia Asia Hospital Petaling Jaya Room Rates
• Pantai Hospital Kuala Lumpur Room Rates.
• Ramsey Side Darby Hospital Room Rates.

You can see the details for the GHS insurance plans room rates and plans at our GHS packages configuration pages.

Hospitalisation and Treatment Cost Limitations

The amount of coverage is important too. The coverage for hospitalisation and surgical by AIA, is per charged basis, for most situations. This means that AIA pays the hospital bill as covered by the GHS Insurance policy. Until the annual cost limit for that employee’s plan is hit.

The annual GHS insurance coverage limit ranges from RM 20,000 to RM 200,000 depending on the plan selected. These limits will refresh on the renewal of the GHS insurance policy. To understand the numbers in-depth, you will need to know some actual hospitalisation costs as charged by hospitals.

For example, an angioplasty can cost up to RM20,000 to 40,000 per case on average. This would depend on the number of blockages on the heart, the equipment and materials used, and the duration of stay in the Cardiac ICU.

This article on the facilities of SJMC will give you an idea of the possible costs involved.

Extending GHS Insurance Benefits to Employee’s Family

AIA has various GHS Insurance plans that can be extended to cover employees:

• Spouse only or
• Children only or
• All Family members (nucleus members only)

These plans will have the benefits of the employee. You only need to select the plans for the employee and select the family type extension if required. You can try this out at our GHS packages configuration pages.

GHS Insurance Benefits Planning

It is up to the company how it wants to provide the benefits to its employees. It can be based on how valued the employee may be, the affordability of the company, and the direction of the management.

Additionally, a wellness program could bring about healthier employees.

However, the cost of the GHS plan is very low in comparison to the benefits the company gets by having a workforce that is well-treated and returns to work healthier.

GHS Insurance Plan from Insurance Company

To read more about Group Hospitalisation and Surgical (GHS) insurance plan from different companies, click the following links:

• AIA Group Hospitalisation and Surgical (GHS) Insurance Package
• Allianz Group Hospitalisation and Surgical Insurance Plan
• Great Eastern Group Hospitalisation

Get a Proposal

Contact our Life Planning Advisor to start your GHS coverage planning or choose your plan now. Get covered correctly. Be advised correctly. Call AIA INSURANCE AGENT LEVINE LEE at +6012 684 0948 today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.

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