SME Employee Benefits Packages

SME Life

Securing your employee when they need it most

Employees are a company’s most valuable asset in running a successful business. For a company to stay competitive in today’s market, it is important to offer a high quality workplace benefits package to attract and secure the most sought-after professionals.Make a difference to your valued employees by giving them high quality life protection in case of death or illness so you can continue to focus on running your business.

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)

High quality protection

SME Life offers a high quality protection to aid your employee and ease their financial burden should your employee be unable to work.

Tailor-made for different needs

In the event something unfortunate happens to your employee, SME Life offers high quality benefits that is tailor-made to cover your employee’s different needs from death to total and permanent disability, partial and permanent disability, terminal illness and funeral plus optional additional benefits including accidental dismemberment and death (ADD) benefit and critical illness (CI) benefit.

No Medical Underwriting

No Medical Underwriting requirement for full time “actively at work” employee.

Annual Renewable

The coverage for this product is 1 year and is renewable annually.

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.

High quality protection

SME Life offers a high quality protection to aid your employee and ease their financial burden should your employee be unable to work.

Tailor-made for different needs

In the event something unfortunate happens to your employee, SME Life offers high quality benefits that is tailor-made to cover your employee’s different needs from death to total and permanent disability, partial and permanent disability, terminal illness and funeral plus optional additional benefits including accidental dismemberment and death (ADD) benefit and critical illness (CI) benefit.

No Medical Underwriting

No Medical Underwriting requirement for full time “actively at work” employee.

Annual Renewable

The coverage for this product is 1 year and is renewable annually.

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

1. TPD and PPD due to:

a) Self-inflicted injuries or any attempt thereat while sane or insane, suicide, or

b) Insurrection, war (declared or undeclared) or any warlike operations or military or naval service under orders for warlike operations, or

c) Participation in a strike, riot or civil commotion or committing an assault or felony, or

d) Hunting, mountaineering, racing in any form (other than on foot), winter sport and scuba-diving, or

e) Any form of radioactivity or radiation, or

f) Accident occurring while or because the Assured Member is affected by alcohol or any drug unless prescribed by a licensed medical practitioner, or

g) Pregnancy including childbirth, abortion, miscarriage or any complication there form, or

h) Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the Assured Member is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route, or

i) Pre-existing conditions for which the Assured Member received medical treatment, diagnosis, consultation or prescribed drugs during the 90 days preceding the effective date of coverage unless the Assured Member affected by these conditions has been insured under this Policy for 12 months.

2. Terminal Illness if the Assured Member:

a) has at any time prior to the commencement of the Policy incurred a Terminal Illness or sought medical advice for signs and symptoms that are present that are related to the diagnosis of the Terminal Illness.

b) is diagnosed to be suffering from Terminal Illness due to self-inflicted injury or attempted suicide.

**For the full list of exclusions, kindly refer to our brochure, available for download below.**

This product is not for you if...

Your age is 66 and above

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Download policy documents here

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