TokioMarine SME-Lite

What is TokioMarine SME-Lite¹?

TokioMarine SME-Lite is a yearly renewable packaged group employee benefits scheme that is specially designed to meet the needs of small to medium sized companies. This product offers basic Group Term Life coverage as well as Group Hospitalisation & Surgical benefits to protect your employees. On top of that, you have the option to upgrade the protection for your employees by adding optional benefits to the policy. Employee Benefits are essential in retaining your company's most valuable assets, so protect and keep your employees safe starting today!

¹ The benefit(s) payable under eligible policy is protected by PIDM up to limits.

Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

Why is it important to you?

Here are some reasons why you should consider TokioMarine SME-Lite for your employees.

Better Employee Recruitment and Retention

Lower your hiring costs. Having group insurance helps you to recruit and retain talent. You will stop losing talented employees to competitors and entice them to stay longer with your company.

Better Access to Care

Employees with health insurance coverage have better access to medical care, including preventive services that may help to prevent their health condition getting worst down the road.

Providing health insurance helps boost employee productivity

Enhance your office atmosphere and improve morale. Employees tend to be happier and satisfied with their jobs when they are covered with health insurance.

What does this plan provide you?

These are the benefits options when you purchase this plan.

We've got you covered

You may attach additional riders to enhance protection for your employees.

Group Dread Diseases (Additional)

Provide additional lump sum amount upon diagnosis of any covered critical illness.

Group Dread Diseases (Accelerated)

Provide a lump sum amount upon diagnosis of any covered critical illness which paid amount will reduce the Sum Assured of the basic plan.

Funeral Expenses Benefit

Additional lump sum is payable in the event of death due to accident.

Group Major Medical

Additional lump sum is payable if admission due to accident, sickness, disease or illness for treatment and surgery, in excess of basic GHS limit.

Important Information

This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan.

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.