SME Employee Benefits Packages

Smart SME Plus

Specially Designed to Administer Employee Benefit Plans

Smart SME Plus is an easy-to-sell package specially designed to administer employee benefit plans for small and medium sized industries having 10 to 150 employees (fall under class 1 to 3 occupation) that provide comprehensive medical coverage for employees and their family members according to their healthcare needs.

Medical Basic Coverage - Hospitalisation and Surgical Benefit

Smart SME Plus provides 6 attractive plans with overall limit per annum ranging from RM12,000 to RM100,000. You have the option to choose the most suitable coverage for your employees and extend the coverage for their dependents too.

We extend to cover Second Surgical Opinion, Emergency Sickness Treatment, Emergency Medical Evacuation and Funeral Expenses.

Optional Rider - Clinical Benefit

We provide both General Practitioner (GP) and Specialist (SP) care at outpatient level. Employees can access to panel General Practitioner or Specialist on cashless basis, which is a convenient way of seeking medical treatments. Coupled with the hospitalisation plan, your employees can enjoy a comprehensive medical coverage.

Benefits

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

Cashless access for medical treatment option

An option for your employees to receive easy and quick access to treatment with our medical card when they need it.

No Room & Board co-payment penalty

Your employee is not subject to co-payment penalty on hospital bill if he/she chooses a higher Room & Board.

Outpatient benefits

Covers the expenses of treatment at our panel General Practitioner clinic and/or Outpatient Specialist clinic.

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Burglary

Pays for loss or damage of your property caused by burglary, armed robbery and theft including attempted theft.

Public Liability

Protects you against legal liability for third party bodily injury or property damage arising from your business.

Money

Compensates your loss of money in your premises or whilst in transit to and from the bank.

Group Personal Accident

Provides protection to you and your employees for bodily injury, death or permanent disablement caused by accidental means.

Cashless access for medical treatment option

An option for your employees to receive easy and quick access to treatment with our medical card when they need it.

No Room & Board co-payment penalty

Your employee is not subject to co-payment penalty on hospital bill if he/she chooses a higher Room & Board.

Outpatient benefits

Covers the expenses of treatment at our panel General Practitioner clinic and/or Outpatient Specialist clinic.

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Burglary

Pays for loss or damage of your property caused by burglary, armed robbery and theft including attempted theft.

Public Liability

Protects you against legal liability for third party bodily injury or property damage arising from your business.

Money

Compensates your loss of money in your premises or whilst in transit to and from the bank.

Group Personal Accident

Provides protection to you and your employees for bodily injury, death or permanent disablement caused by accidental means.

What we do not cover

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Download policy documents here

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