Why should I choose TEES?
TEES allows employers to design an easy and flexible protection plan for their employees with a choice of three (3) affordable plans to choose from each category:
- Term Life (Death & total permanent disablement)
- Critical illness
- Hospital and surgical
What are the benefits?
- 24 hours worldwide coverage
- Mudharabah concept
- Eligibility for tax relief
- Affordable premium
- Flexibility in designing your own plan
Can I apply for this scheme?
Yes, if you are a present and future full-time employee of employment or corporation between the age of 18 and 60 years. This is renewable until the age of 65.
How much do I have to pay?
The lowest premium starts at only RM4.80 per person based on the plan.
What are the plans that I can choose from?
Group Term Takaful (Basic)
Death and Permanent (TPD) Cover due to illness and accidental.
Sum Covered (RM)
|Plan TT 1||Plan TT 2||Plan TT 3||Plan TT 4|
Extra Supplementary (Optional)
Option 1: Critical Illnesses (CI)
Payment will be released if the covered employee is diagnosed to have contracted any one of the set of 36 Critical Illnesses.
Sum Covered (RM)
|Plan CI 1||Plan CI 2||Plan CI 3||Plan CI 4|
Option 2: Personal Accident (PA)
Death and Permanent Disablement Cover due to the accidental causes.
|Benefit||Plan PA 1 (RM)||Plan PA 2 (RM)||Plan PA 3 (RM)||Plan PA 4 (RM)|
A - Accidental death
B - Accidental permanent total disablement
C - Accidental permanent disablement
D - Accidental weekly benefits
E - Accidental medical reimbursement
Option 3: Hospital & Surgical Plan
Reimbursement of hospital charges incurred in respect of hospitalization.
|Benefit||HS 1 (RM)||HS 2 (RM)||HS 3 (RM)||HS 4 (RM)|
|Room & board / day (max 120 days)||50||100||150||200|
|Intensive care unit (max 20 days)||150||250||300||350|
|Miscellaneous hospital benefit||2000||3000||3500||4500|
|Surgical benefit (subject to surgical schedule)||2500||4000||5000||7000|
|Anesthetist fee||30% of surgical fees included in miscellaneous benefits|
|In-hospital consultation benefit / day (max 120 days)||50||80||110||130|
|Emergency outpatient treatment (acciden only)||1000||2000||2000||2700|
|Pre-hospitalization specialist consultation||250||350||400||500|
|Pre-hospitalization diagnostic test||250||350||400||500|
|Pre-hospitalization treatment (within 31 days)||100||200||300||400|
|Government hospital daily cash allowance||20||30||40||50|
|Emergency sickness treatment (from 12am to 6am)||100||100||100||100|
|Overall annual limit||15,000||25,000||30,000||40,000|
|Separation period for disability is 14 days for the employee and 90 days for the dependant|
Call usGot a question? Call our Customer Care hotline at
1300 88 6688, any time,
Download an eBrochure
For all plans and full table of benefits including exclusions, download an eBrochure now!