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GROUP PRODUCTS
| Term Life
Insurance |
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This product provides financial security for the insured person as
a result of death from any cause during the period of coverage.The beneficiary
will receive compensation according to the agreed benefits table.
- Competitive Premium
- Protection for death occuring from illness and/or accident.
- Beneficiary will receive the full death benefits |
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| Personal Accident
Insurance |
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This program provides financial security towards death, total or
partial disabilities caused by accidents. If death occurs during the period of
coverage, the beneficiary will receive compensation according to the agreed
benefits table.
- Protection for accidental death
- Coverage of total and permanent disability arising from an accident
- Beneficiary will receive the full death benefits |
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| Health Insurance |
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MAAsterHealth
Main product: Hospitalization and Surgery (Inpatient) insurance guarantees the
corporate client hospital service for sick employees.
- Hospitalization benefits
- Medical benefits during hospitalization: Room and Board, Medication and Doctor
Fees
Additional Product: For a
more comprehensive coverage, we provide a few additional programs based on
individual company's needs which include:
1) Outpatient benefits (consultation fees, medication and laboratory fees),
2) Dental benefits,
3)
Maternity cover.
These additional benefits can be included upon request, and specific benefits can
be tailor made in accordance with company requirements |
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Medical Fund Program
This program emphasizes the fact that the management will be able to reduce
risks caused by employee health claims. These claims are reported quarterly.
Other then that, this program also enables companies to decide what benefits
they would prefer. Payments do not have to be made upfront, and instead can be
regulated according to the estimation volume of the claim reported. This will
help the company's cash flow.
- Appointment of a professional third party administrator to handle all claims processes
- Comprehensive coverage is also provided for employees who are in active service,
as well as those who have retired.
- Can assist the management in minimising their Medical Insurance cost overrun
- Provide the company with better cash flow management through our flexible payment
scheme.
- Regular medical reports either monthly or quarterly will be provided to the company
to understand their employee's history pattern/diagnosis. those reports, various
types of remedial action can be implemented by the company. |
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Retirement Fund
Insurance
This product is known as MEGA BINA DANA KARYA (MBDK) and it covers:
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Competitive Premium
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Protection for death occuring from illness and/or accident.
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Beneficiary will receive the full death
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Credit Term Syariah
This program is designed specifically to protect the banks and other financial
institutions against any outstanding loans of their clients, arising from any
death or disability. |
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Syariah Group Insurance Plan For Students
Students
- Death cause illness.
- Death cause accident.
- Medical expenses incurred due to accidents
- Scholarship fund
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Adults/Parents
- Death compensation caused by accident.
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Teacher & Administration Staff
- Death caused by illness
- Death caused by accident
- Disability benefit
- Medical expenses incurred due to accidents
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Syariah Group Product : Umroh/Majelis Ta'lim
- Death caused by illness
- Death caused by accident
- Total or partial permanent disability
- Mudharabah (Profit Sharing)
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This particular program is flexible and can also be
tailor made to suit individual company employees' benefit agreements.
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