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You are in the right place if you are a HR personnel or a business owner in Malaysia who is looking for a new employee benefits insurance plan to:
Reduce costs of your employee benefits insurance
Perhaps there has been a change of focus in your 2023 HR budget
Manage a price hike in your employee benefits insurance plan renewal
There has been a jump in the costs of your existing plan after a recent sizable medical claim
Get better service from your service providers
You want to switch to a different empl0yee benefits insurance provider for higher quality, more responsive service
meet our specialists
Financial Advisory Manager
Having launched her career right into corporate insurance more than 14 years ago, Agnes is an absolute maven when it comes to business-related insurance solutions and advice (employee benefits insurances are her specialty!). Her superpowers include super quick thinking, super sharp focus and holding high standards for organisation and diligence in handling her every account. Ever so cheerful and generous with her time, Agnes is a clients' favourite for many reasons. The evidence? Her high-piled raving praises, recommendations and referrals from numerous corporate leaders she has worked with.
Senior Financial Consultant
With more than 10 years of financial service industry experience on him, Wei Chong is passionate about helping his clients optimise their resources on their path of achieving their financial goals. His greatest strength lies in his ability to think beyond his clients' mentioned needs and matching the perfectly balanced solution to a client's problem. On a typical workday you would most likely catch him thoughtfully working towards piecing the final answers together before proposing them in his stylistically simple and easy-to-understand presentations to his clients.
"We've been with her for the past 8 years. Client-oriented and always quick to respond , Agnes is an expert in her field who has gone extra miles to make things happen for us."
HR Manager, Munchy's
How it works
Upon consultation, pick what goes into your policy
(Or show us your existing plan, and let's go from there!)
Only ever pay for what you need.
Review prices from a range of insurers
See a comparison report on policies tailored just for you, and choose your best fit.
You're all set!
Feel at ease as we take care of the rest.
Get your tailored insurance solutions now -
"Agnes has been taking care of our insurance needs since 2013. She has always had our best interests in mind and helped us save substantially on our insurance premium. "
Daniel Chua // Chief Financial Officer, Kotra Pharma
If you are looking to switch from an existing Employee Benefits Insurance plan...
The costs of insurance can fluctuate depending on a variety of factors — the level of risk associated with the employees you want to insure, rising healthcare costs, advancements in medical technology and treatments, changes in our Malaysian laws and regulations, and even changes in management and marketing strategies of insurance companies.
What this all means to you as an employer? The price tag of your employee benefits insurance can change and fluctuate from year to year, and is always different between insurers!
Without regularly checking out what's available and what has changed on the market, you could lose out on monetary savings and/or better benefits that you could be offering to retain quality employees and entice new talents.
A successful switch to a new insurer will honour all your previous benefits and terms and conditions that you had with your previous employee benefits insurer.
And there will not be a waiting period to go through again as your organisation transitions to the new employee benefits insurance plan.
So, don't worry! Your employees will not go a day without protection during the change. Things will continue as is with your new insurer right away.
If this is your first time getting an Employee Benefits Insurance plan...
An employee benefits insurance is a health insurance plan an employer can provide to an employee to lighten the burden of the employee (or their loved ones) in the event of said employee's health crisis, such as an illness, accident or even death.
It is an essential tool used by many companies in Malaysia to retain employees and attract new talents.
From our experience, most employers in Malaysia look to obtain an employee benefits insurance plan mainly for Group Hospitalisation & Surgical (GHS) coverage.
With that said — the matter of fact is — we have observed a variety of focuses among our corporate clients when it comes to coverages they choose to prioritise. It all depends on the actual needs and preferences of your employees, as well as your overall recruitment and employee benefits strategies.
If you think you could use our professional opinion, we'd be happy to discuss your unique needs with you.
Employee benefits insurances are highly customisable. While it's true some insurers offer more customisability than others, over 90% of them offer incredibly flexible options.
As a result, you as an employer have the ultimate flexibility to tailor your insurance offerings to meet the unique needs of your workforce and your budgetary goals.
This means that you can select, include or exclude the types of coverage you want to offer, such as hospitalisation & surgical benefits, life insurance, etc., and choose the level of coverage that best suits your employees (to name a couple examples: the maximum amount they can claim per year for hospitalisation, the sum of cash payout to an employee's family in the event of the employee's demise).
As you increase or decrease the level of each coverage (or even completely forgo certain coverages), the costs will go up or down — which is where we come in to make sure you strike a balance between your budget and the needs and preferences of your employees.
As an employee benefits insurance specialist, we will be able to advise according to your goals and needs as an employer, and negotiate with different insurance companies on your behalf to get you the best offer.
A few standard waiting periods will apply, such as:
- 30 days of waiting period in general
- 120 days of waiting period for specified illnesses**
Certain insurers may also require a 12-month waiting period for an employee's pre-existing illness.
**Specified illnesses include medical conditions like hypertension, diabetes, heart diseases, tumors, cancers, cysts, stones, ear, nose, throat conditions, female reproductive system diseases, etc.
If you are insuring 10 or more employees, almost all insurers do not require your employees to go through a personal health declaration, nor a medical examination in order to get protected by an employee benefits insurance — which makes for a quicker process for you and your employees.
Even if you have less headcount to insure (as few as 3 employees), there are still great options available, just not as many.
Whatever your case may be, we can help! Contact us now to discover your best options.
"It's not just for her extensive knowledge of products that we have chosen to keep working with Agnes. We were met with a crisis in 2021 during the country lockdown, and she very proactively helped us deal with the situation and got our claim approved. "
Dr Mark Lovatt
CEO, Trident Integrity
Where we serve
Our employee benefits insurance specialists are based in multiple areas across Klang Valley.
Outside of Klang Valley
For company size of >100, online consultations and/or in-person meetings can be arranged.