--- title: How to Choose a Group Medical Insurance Plan description: Things to look out for when choosing a group medical insurance plan for employees in Malaysia. image: https://www.coverbuddies.com/hubfs/AI-Generated%20Media/Images/employee%20benefits-1.jpeg --- [![Cover Buddies Imaginate Email Header](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Imaginate%20Email%20Header.png)](https://www.coverbuddies.com) - [ABOUT](https://www.coverbuddies.com/about-cover-buddies) - SOLUTIONS - [Commercial Insurance](https://www.coverbuddies.com/commercial-insurance) - [Consumer Insurance](https://www.coverbuddies.com/consumer-insurance) - [Find Me A Better Deal](https://www.coverbuddies.com/find-me-a-better-deal) - [KNOWLEDGE HUB](https://www.coverbuddies.com/en/knowledge-hub) - CONTACT - [Send Enquiry](https://www.coverbuddies.com/contact-us) - [Request A Call](https://www.coverbuddies.com/request-a-call) - [WhatsApp Us](https://wa.me/message/RCLFWAZGWXTKC1) - [Newsletter Sign Up](https://www.coverbuddies.com/newsletter/subscribe) [WHATSAPP US](https://wa.me/message/RCLFWAZGWXTKC1) [DOWNLOAD OUR ESSENTIAL INSURANCE GUIDE HERE](https://www.coverbuddies.com/essential-guide-download) Medical Card # How to Choose a Group Medical Insurance Plan Things to look out for when choosing a group medical insurance plan for employees in Malaysia. [David Teh](https://www.coverbuddies.com/en/knowledge-hub/author/david-teh) Aug 25, 2024 --- Due to the overwhelming number of enquiries we've received on this topic, I thought I'd pen down my thoughts on the Group Medical plans available. We have covered this topic before, but this is the updated version as of August 2024. First, Group medical plans refer specifically to employee health plans and typically require at least a 4-6 person headcount to get started. If you don't meet the minimum requirement, you'll need to consider using a [standalone medical card](https://www.coverbuddies.com/en/knowledge-hub/things-to-look-out-for-in-a-medical-card) first until you attain the minimum number. There are a ton of them available out there.  ![1-Aug-25-2024-11-48-56-0062-PM](https://www.coverbuddies.com/hs-fs/hubfs/1-Aug-25-2024-11-48-56-0062-PM.png?width=1200&height=600&name=1-Aug-25-2024-11-48-56-0062-PM.png) ## What is Group Medical Insurance? Group medical insurance refers to a single policy that covers a group of people, typically company employees, under one plan. This type of insurance is designed to provide health coverage to employees and, in some cases, their dependents. In simpler terms, it's also known as the following; 1\. Group Health & Surgical Program (GHS). 2\. Group Medical Insurance. 3\. Group Insurance. 4\. Employee Benefits. It all generally means the same thing except for number 4, which can extend beyond what we discuss in this blog article.  ### Benefits of Group Insurance \- Typically cashless admission. So that works well for your staff and employees. \- Can be extended to cover outpatient/clinical visits (also known as GP). \- Most have a wide network of panel hospitals from which to choose. \- Relatively cheap considering the facilities provided to your team. \- Technology/app-driven for added convenience.   But let's focus on the key elements here. In a broad sense, most group employee insurance plans are modular and will typically consist of the following benefits and options; Death Benefit It is sometimes also known as a Life Insured Amount (because nobody likes to use the word 'Death'). Critical Illness A lumpsum payout in the event a critical illness occurs. Hospitalisation This portion usually includes the daily Room and board (R&B) amount, which can sometimes be as low as RM100/night to RM500.  It also details the annual surgical benefit amount, which can range from RM20,000 to RM200,000. Personal Accident (PA) This benefit typically provides a payout by percentage of the insured value. Hospitalization Income Provides a daily payout to the insured. It can range anywhere from RM50 to RM100 a day, and it's usually used as a buffer to help you cover any expenses your insurance program may not cover. ![2-Aug-25-2024-11-49-25-7439-PM](https://www.coverbuddies.com/hs-fs/hubfs/2-Aug-25-2024-11-49-25-7439-PM.png?width=1200&height=600&name=2-Aug-25-2024-11-49-25-7439-PM.png) Additional Benefits The list here is endless. Some programs may provide outpatient Cancer Treatment, while some don't. You'll need to speak with your insurance provider about this. Some outpatient benefits include dental benefits and traditional Chinese medicine (TCM) access. Some programs can be tailored to extend coverage towards family members (spouse & children). ![5-4](https://www.coverbuddies.com/hs-fs/hubfs/5-4.png?width=1200&height=600&name=5-4.png) Outpatient / Clinical / GP Visits Some programs provide cashless admission facilities for clinical visits, which can be extremely helpful. These are sometimes done through a Third-Party Administrator (TPA). Conversely, some insurers offer an outpatient program with an annual premium rate attached to it. Needless to say, each insurance provider will offer its unique program. Most programs can be tailored (to a certain degree), and we've not even got to the details of which insurer offers what. The best way is to work backwards to identify your requirements and then source for a provider that offers that. **Related reading:** [Group Medical Insurance in Malaysia](https://www.coverbuddies.com/group-medical-insurance-malaysia) | [Group Health Insurance for Employees in Malaysia: What HR Should Compare](https://www.coverbuddies.com/en/knowledge-hub/group-health-insurance-for-employees-in-malaysia-what-hr-should-compare) | [How to Choose Group Medical Insurance for Your Employees in Malaysia: A Checklist for Employers](https://www.coverbuddies.com/en/knowledge-hub/how-to-choose-group-medical-insurance-for-your-employees-in-malaysia-a-checklist-for-employers). The good news is that Cover Buddies loves working on group medical insurance plans. For more info, [drop us a line](https://www.coverbuddies.com/contact-us) or [schedule a call with us,](https://www.coverbuddies.com/request-a-call) and our professional consultants will be happy to assist you (usually within the same day). Or if you need quick answers, [WhatsApp Us](https://wa.me/message/RCLFWAZGWXTKC1) instead. We love questions on Group Insurance, GHS, and Employee Insurance. Call it whatever you want.   [![GET A FREE CONSULTATON ](https://no-cache.hubspot.com/cta/default/22329589/interactive-155978483766.png)](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLKAHm%2FCA10IhdicWbRWfPVD9j7NWGNv6CffubPtVLGGg2dwAmuu8e7KQQJOIldGFCqKvkDeLRDzgfpUq3nDh4zUhCeZDUU7LDi%2BtqvHq5rFcc8Wxb351RdrLOCbICziiEKJi3%2BXybjSKiyfSi5yCujoawHQaM0OFs660MZhm%2B9HvAjLFOugSvGgkuW1Ntw%3D&webInteractiveContentId=155978483766&portalId=22329589) [Medical Card](https://www.coverbuddies.com/en/knowledge-hub/tag/medical-card) [Employee Benefits](https://www.coverbuddies.com/en/knowledge-hub/tag/employee-benefits) ## Similar posts Business Tips ### [The Highest Paying Jobs In Malaysia](https://www.coverbuddies.com/en/knowledge-hub/the-highest-paying-jobs-in-malaysia) We take a glimpse into the Malaysian job market and identify the highest paying jobs in Malaysia today. Kimberly Soo Jun 16, 2023 Insurance Claims ### [How To Make An Insurance Claim](https://www.coverbuddies.com/en/knowledge-hub/how-to-make-an-insurance-claim) Cover Buddies Founder and Executive Director David Teh explains the basics of how to make an insurance claim. David Teh Jan 13, 2024 Contractors All Risk ### [Decoding Contractors All Risks Insurance](https://www.coverbuddies.com/en/knowledge-hub/decoding-contractors-all-risks-insurance) Safeguard your construction project with comprehensive Contractors All Risk Insurance. Learn about the benefits and coverage offered. Aaron Oh Jun 19, 2023 ### Get The Latest Updates From Us! 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