This plan is managed by AIA PUBLIC Takaful Bhd., a Takaful operator licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Contact Details: AIA PUBLIC Takaful Bhd. 201101007816 (935955-M), Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur
PB Corporate Flex-i (This is a TAKAFUL PRODUCT)
AIA PUBLIC Takaful Bhd. is a member of PIDM.
The benefit(s) payable under eligible takaful certificates / products is (are) protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact AIA PUBLIC Takaful 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. Therefore, it is important to ensure that your most valuable asset, YOUR EMPLOYEES, are well taken care of.
At PIBB, we have the solution for YOU and YOUR EMPLOYEES – PB Corporate Flex-i.
Why PB Corporate Flex-i?
PB Corporate Flex-i is an employee benefit group Takaful plan designed especially for small and medium sized enterprises; primarily those with 5 – 250 employees. It is a one-stop source for all of your employees 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?
| Group Hospitalisation and Surgical Care Takaful (GHSC) Benefits | |
|---|---|
| BASIC | OPTIONAL |
|
Hospitalisation: 1. In-hospital care |
|
| Group Term Takaful (GTT) Benefit | |
| BASIC | OPTIONAL |
|
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| Add-on Facilities | |
| 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 GHSC 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. |
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What are the exclusions under PB Corporate Flex-i?
Exclusions of PB Corporate Flex-i:
Medical Benefit (Hospitalisation and Outpatient Care):
Medical Benefit (Dental Care):
Group Term Takaful:
Death
Total and Permanent Disability (All causes)
Partial and Permanent Disability (Natural causes)
Partial and Permanent Disability (Accidental causes)
Repatriation Benefit
No benefit shall be payable for:
Critical Illness
Terminal Illness
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.
Medical Benefit (Dental Care):
- Dental procedures which are not included in the schedule of benefits, or
- Charges for treatments performed by other than a legally qualified dentist, or
- Charges for dentures when such charges are incurred for replacement of congenitally missing teeth or all teeth of which were lost while the Covered Member was not under the plan, or
- Charges for services and supplies that are partially or wholly cosmetic in nature, including charges for personalisation or characterisation of dentures.
Group Term Takaful:
Death
- No benefits shall be payable on the account of the Covered Member, whether sane or insane, commits suicide within six (6) months from the effective date of Covered Member’s Takaful 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 Covered 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 Covered Member’s effective date of coverage.
Repatriation Benefit
No benefit 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 Covered 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 Covered 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 Covered Member, or upon the Covered Member deliberately exposing himself/herself to unnecessary danger, or
- Acquired Immune Deficiency Syndrome (AIDS), or
- The Covered 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 benefits, terms, conditions and exclusions are available in the Master Certificate Contract.
To find out more, call us now at 603-2170 8000 or visit any of our branches for more information!
To find out more, call us now at 603-2170 8000 or visit any of our branches for more information!
- PB Corporate Flex-i Brochure
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