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Group Life

Group Hospital & Surgical Takaful (GHS Takaful)

A comprehensive Group Hospital and Surgical Takaful that provides coverage for your employee(s), their legal spouse and children.


Why do I need it?

  • This coverage covers the cost of medical treatments and hospitalisation incurred by your employee(s), their legal spouse and children due to accident or sickness.

How much should I insure?

  • The sum covered may vary depending on the amount selected for your employee(s).


  • Group Hospital and Surgical Takaful (GHS Takaful)
  • 24 hours, worldwide coverage
  • Hospital Room and Board/day (Max: 120 days)
  • Intensive Care Unit (Max: 20 days)
  • Hospital Miscellaneous Benefits
  • Surgical Benefits (subject to Surgical Schedule)
  • Anesthetics Fees
  • In-Hospitalisation Consultation/day (Max: 120 days)
  • Emergency Out-Patient Treatment (Accidents only)
  • Pre-Hospitalisation Specialist Consultation
  • Pre-Hospitalisation Diagnostic Tests
  • Post-Hospitalisation Treatment (within 31 days)
  • Ambulance Fees
  • Government Hospital Daily Cash Allowances
  • Emergency Sickness Treatment (from 12am to 6am)


For SME Business Owners

Period of Takaful

  • Yearly Coverage (rates subject to claims review)

Employee Entry Age (age at next birthday)

  • Min: 18 years old
  • Max: 60 years old

Employee Expiry Age (age at next birthday)

  • Max: 65 years old

Employee with Family               

  • Legal Spouse: 18 years old to 65 years old
  • Unmarried children: 30 days to 19 years or 23 years (full-time student)
  • Employee must participate prior to the entry of spouse/children

Minimum members to be covered

  • Minimum of 5 employees

Note: This product must be taken together with Group Term Life Takaful.

This web page is neither a Master Certificate nor forming part of it. The precise benefits, terms and conditions and other details are available in the Master Certificate.

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