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PB SME Flex
(This is an insurance product)

PB SME Flex

(This is an insurance product)

AIA Bhd. is a member of Perbadanan Insurans Deposit Malaysia.
The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact AIA Bhd. or PIDM (visit www.pidm.gov.my).

 

Protect your most valuable asset by investing in your employees

Attracting, motivating and retaining exceptional employees are challenges faced by any organisation.

As an employer, you recognise that your employees are the driving force behind your company. It is therefore important to ensure that your most valuable asset, YOUR EMPLOYEES, are well taken care of.

At PBB, we have the solution for YOU and YOUR EMPLOYEES – PB SME Flex

Why PB SME Flex?

PB SME Flex is an employee benefit group insurance plan designed especially for small and medium sized enterprises; primarily those with 5 – 200 employees. It is a one-stop source for all your employee benefit needs, providing a variety of healthcare cover options and benefits to suit different budgets.

Benefits Recommendation

Create the right plan for your employees.

Flexible and Customisable

Flexibility to pick and choose benefit options and limits.

Comprehensive Plan

More options to suit different needs and budgets.

Digitalised

Fast and seamless application experience.

What Are The Benefits?

Medical Benefits

BASIC OPTIONAL

Hospitalisation:

  1. In-hospital care
  2. Ambulatory care

Extended Benefit

Compassionate Allowance benefit

Outpatient General Practitioner Care (GP) and

Outpatient Specialist Care (SP)

 

Group Term Life (GTL) Benefits

BASIC OPTIONAL

Death

Total and Permanent Disability (TPD)

Partial and Permanent Disability (PPD)

Terminal Illness (TI)

Repatriation expenses

Critical Illness – Non-accelerated rider

Critical Illness – Accelerated rider

 

Add-on Benefits

Group MedCare

Exclusive access to Personal Medical Case Management services, ensuring your employees receive the best possible treatment and personalised on-going support throughout their medical journey when diagnosed with a serious or complex condition.

Note: Group MedCare is attachable to Medical only.

 

AIA Vitality

A unique health programme that empowers employees with knowledge and tools to make healthier choices, motivates and rewards you and your employees to get healthier. Healthy employees mean higher productivity.

Kindly refer to AIA Vitality brochure for further information.

What Are The Major Exclusions For The Product?

Medical Benefit (Hospitalisation and Outpatient Care):

  • Plastic/Cosmetic surgery or treatment including (but not limited to) for e.g. double eyelids, acne, keloids, scars, skin tags, gynaecomastia, diffused alopecia/hair loss, etc., or treatment of their complications, or

  • Care and treatment that is experimental, investigative or unproven services and not according to accepted professional standards and/or is not medically necessitated.
    This exclusion includes (but is not limited to) treatments such as:

    • Stem cell treatment, related workout and any complications arising thereafter.
    • Blood surety.
    • Hormone therapy and hormone replacement therapy except for surgically induced menopause.
    • Surgical treatment specifically for weight reduction or gain.

Group Term Life:

Death

  • No benefits shall be payable on the account of the Insured Member, whether sane or insane, commits suicide within six (6) months from the effective date of Insured Member’s insurance coverage.

Total and Permanent Disability (All causes)

Partial and Permanent Disability (Natural causes)

Partial and Permanent Disability (Accidental causes)

  • Disability due to suicide, self-inflicted injuries or any attempt thereat, while sane or insane, or
  • Disability due to pre-existing conditions for which the Insured Member received medical treatment, diagnosis, consultation or prescribed drugs during the ninety (90) days preceding the effective date of coverage and if the disability begins within the first twelve (12) months after the Insured member’s effective date of Coverage.

Repatriation Benefit

No benefits shall be payable for:

  • Any expenses incurred for services and supplies provided by a mortician or undertaker, including but not limited to the cost of casket, embalming and/or cremation, or
  • Any expenses for the transportation of the Insured Member’s remain not approved and arranged by AIAS, or an authorised representative of AIAS.

Critical Illness

  • No benefit shall be payable if the Diagnosis of the Critical Illness of the Insured Member was caused directly or indirectly, wholly or partly, by Acquired Immune-Deficiency Syndrome (AIDS) or any Human Immunodeficiency Virus (HIV).

Terminal Illness

  • Attempted suicide while sane or insane and whether felonious or not, self-inflicted bodily injury, disorderly conduct on the part of the Insured Member, or upon the Insured Member deliberately exposing himself/herself to unnecessary danger, or
  • Acquired Immune Deficiency Syndrome (AIDS), or
  • The Insured Member having been engaged in hunting, mountaineering, aviation (except as a fare paying passenger on a commercial airline), naval, military or aeronautical service, or racing (other than foot racing) of any kind.

 

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the Master Policy Contract.

To find out more, call us now at +603 - 2170 8000 or visit any of our branches for more information!

 



This plan is underwritten by AIA Bhd., a licensed insurance company under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA Bhd. 200701032867 (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur

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