Group Hospital and Surgical Insurance

Group Hospital & Surgical Insurance (GHS) provides a 24-hour worldwide medical protection for your employees. It is an expense reimbursement plan that helps to reduce the financial burden on the family while the Insured Employee and his covered family member is hospitalised. We will reimburse eligible expenses incurred according to the compensation limits set out in the Benefits Schedule, depending on the plan you have chosen.

Hospital ward (Room & Board) and ICU (Intensive Care Unit) charges

Hospital Miscellaneous Services like:
Use of operation room, medicines, anaesthesia, X-rays, physical therapy and ambulance service

Surgeries or operations performed

In-Hospital Doctor's Visits to the patient's bedside

Specialist Consultation and Diagnosis X-ray & Laboratory Test prior to hospitalisation

Medical Expenses as a result of accident

Follow-up treatment after hospitalisation

Death Benefit

The entry age of the Insured Employee must be from 16 to 65 years at next birthday. The Insured Employee must be working on a full-time basis and gainfully employed, and have satisfied all other eligibility criteria set by the Employer. In addition, dependants such as spouse of employees or unmarried children of employees can also be covered under this plan.

There are certain conditions under which no benefits will be payable. These are stated as exclusions in the contract. The following is a list of some of the exclusions for this plan. The exclusions for this plan include, but are not limited to, the following conditions. You are advised to read the policy contract for the full list of exclusions.

Pre-existing conditions
No benefits will be payable if the Insured Employee has sought medical treatment and/or advice 12 months before the cover issue date. However, if the Insured Employee has been continuously insured under this policy or a similar GHS plan with a previous insurer for the last 12 months, benefits shall be payable.

Plastic Surgery
This plan does not cover reconstructive or plastic surgery, cosmetic treatment or surgery for beautification purposes.

Mental Disorders
This plan does not cover any treatment for mental disorders, injuries due to insanity or self-infliction, rest cures or sanatoria cares, special nursing care, communicable diseases requiring by law isolation or quarantine; claim which in the opinion of the Insurance Company arises directly or indirectly from Acquired Immunodeficiency Virus (HIV).

Congenital Anomalies or Defect
This plan does not cover congenital; sterilisation of either sex; pregnancy including childbirth, cesarean operation, miscarriage, abortion and any medical complications arising therefrom, medical complications arising from treatment relating to birth control, treatment to correct condition of infertility, impotency and varicocele.

Routine Examination, Drug, Alcoholism or Oral Treatment
This plan does not cover routine physical examination; drug addiction or alcoholism; or services for care and treatment of oral cavity.

Call 6225 6111