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No, this policy is not a medical card hence the customer will not be covered for medical and hospital treatments. However, there is a hospitalization benefit (hospital income) included under this policy whereby the customer may claim RM 40 daily hospital cash allowance for up to 500 days per lifetime.
The payout for the coverage will be payable as long as the claim submitted meets the definition of the covered events included in this policy.
The policy for the customer’s dependents may still continue provided that the premium continues to be paid (renewal). Dependents are required to update the Payer’s details.
Yes, the customer can extend the coverage to the child.
Yes the customer may still apply for the plan. However, he/she will not be covered for any cancer-related illnesses.
Policyholders will receive a total sum of their premium contribution for all claims(pre-existing conditions) received within 2 years from the policy in-force date. No other claim amount will be payable except for the hospitalization income benefit(non pre-existing conditions) which is payable in accordance to the Master Policy Contract. This will be effective with immediate effect and applicable for all policyholders.
Yes, the customer will still be covered under the insurance plan even though the withdrawal is activated. However, this is not encouraged as it may affect the overall investment value of the scheme.
Yes, this is a portable insurance plan whereby the customer will still be covered even after he/she has left or retired from the company.
The customer will be entitled to claim a maximum of RM60,000 under the Total and Permanent Disability (TPD) benefit.
The investment value is based on the performance of the fund. As an average, customer can expect 40 – 50% returns of the premium contribution as their investment returns. Subject to T&Cs.
No. This investment-linked insurance plan offers investment returns in which the returns are subjected to the performance of the fund.
Yes. GMBIS is eligible for tax deduction (under the life/medical insurance portion).