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
- Accidental
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.
| Benefit | Sum Covered (RM) | |||
| Plan TT 1 | Plan TT 2 | Plan TT 3 | Plan TT 4 | |
| Natural death | 10,000 | 25,000 | 50,000 | 100,000 |
| Accidental death | 10,000 | 25,000 | 50,000 | 100,000 |
| Natural TPD | 10,000 | 25,000 | 50,000 | 100,000 |
| Accidental TPD | 10,000 | 25,000 | 50,000 | 100,000 |
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 |
| 10,000 | 25,000 | 50,000 | 100,000 |
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) |
| ABC | 10,000 | 25,000 | 50,000 | 100,000 |
| D | 100 | 100 | 150 | 200 |
| E | 500 | 1,000 | 1,500 | 2,000 |
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 |
| Ambulance fee | 200 | 200 | 200 | 200 |
| 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 | ||||
Next steps
Call us
Got a question? Call our Customer Care hotline at1300 88 6688, any time,
any day
Download an eBrochure
For all plans and full table of benefits including exclusions, download an eBrochure now!
Next steps
Call us
Got a question? Call our Customer Care hotline at1300 88 6688, any time,
any day
Please fill in the following details and we will be in touch to assist you with your application.
Can we help?
Head to Customer Service or call 1-300 88 6688 or 603-7844 3696 (overseas) any time, any day. (That includes holidays.)
Learn how to use our site.
