Your health solutions

Discover Protection That Meet
The Needs Of Your Business And Its People

What’s good for your people, is also good for your business. That’s why we provide these
products to help you take care of your employees’ health and safety.
Do right by them so they can do right by you.



Group Hospitalization & Surgical:

Help your employees and their loved ones feel secure and appreciated with hospitalisation and surgical coverage. Family Members and Dependants also covered. 
 
  • Basic Coverage – Hospitalization & Surgical Benefits
  • Optional Coverage – Funeral Expenses

Group Term Life:

Give your employees reassuring peace of mind. 
 

  • Basic Coverage – Death (Natural/All Causes)
  • Optional Coverage – Total Permanent Disability (TPD), Accelerated/Additional Critical Illness (CI), Accidental Death & Disability (ADD), Partial Permanent Disability (PDD), Funeral Expenses (FE).

Mutiara Plus:

Comprehensive coverage for employees and their immediate family. Coverage extends to spouse and children. 

  • Basic Coverage – Death
  • Optional Coverage – Total Permanent Disability (TPD), Accelerated/Additional Critical Illness (CI), Accidental Death & Disability (ADD), Partial Permanent Disability (PDD), Funeral Expenses (FE), Daily Hospital Benefit, Accidental Medical Reimbursement, Pay or Benefit.

Takaful Employee Synergy:

Eligible coverage extends to spouse (HS benefit only) and children (HS benefit only). 

  • Basic Coverage – Death & TPD (all causes)

  • Optional Coverage – Accelerated Critical Illness (CI), Hospitalisation & Surgical (GHS)


Khairat:

Helps reduce expenses for the employee, members and family dependants in event of the unthinkable. 
 
  • Basic Coverage – Funeral Expenses

Tabarru:

Helps reduce expenses for members in event of the unthinkable. 
 
  • Basic Coverage – Funeral Expenses
  • Optional Coverage – Death benefit (All Causes)




 

Panel Hospitals


Group Panel Hospital


Frequently Asked Questions

  • Policy lapsed / expired.
  • Policy turns to extended term insurance.
  • Admission before risk commencement date.
  • Covered Event falls within 30-days waiting period or 120-days specified illness.
  • Diagnosis falls under Policy Exclusion, eg. pregnancy related illnesses, congenital & etc.
  • Pre-existing Condition is suspected.
  • Non-disclosure of material fact.
  • Non-panel hospital.
  • Overseas treatment.
Yes, this is at hospital's discretion and the amount varies from each hospital. This amount is used to offset any non-covered items during discharge and any balance is refunded back to member.
Yes, the member is required to self-pay and submit for reimbursement claims to Etiqa Medical Claim Department. Claim will be assessed in accordance to terms and conditions of the policy contract.
  • Claim form
  • Medical Form - Statement of Medical Examiner
  • Investigation report (if any)
  • Original bills
  • Original receipts (this is very important as claims can be repudiated in accordance to policy contract)
You can request for Guarantee Letter by providing your identity card number or policy number to the hospital staff. The hospital staff will contact Etiqa Healthcare to verify the policy status and eligibility.

How to request for Guarantee Letter

Download Your Claim Forms


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