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Discover Group PA Insurance

easy entry staff
Easy Entry
Min 3 Staffs & Above
waiting Period
Up to RM1,000,000
sum insured for Accidental Death
critical illness
Additional payouts of 100% for Accidental Death in Common Carrier
hospital admission
24/7 Comprehensive Coverage for accidents
cashless clinic
Enjoy up to 20% on Group Discount
no underwriting
Customisable to you and your company's needs (including optional modules)
no underwriting
No
Medical Underwriting
entry age
Cover employees on unnamed basis declared by occupation class
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What's Included in Your Plan

Group Employee Benefits
for a Stronger Workforce

Supporting your employees with healthcare,
protection, and financial security.

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More Features to Explore

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Hospital Admission Assistance features available in the app
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The eCard functionality is available within the MetaFin DIY Digital App

How to Submit Claim

Claiming Made Easy

Click on 'Download Claim' button.
Download Claim
Submit the claim form along with the supporting documents to cs@metafin.com.my
Your claims will be submitted to the insurer for assessment.

Frequently Asked Questions (FAQs)

Everything You Need to Know

Premium is paid based on the plan option(s) chosen from the coverage table. The minimum group premium is RM750 (excluding Service Tax and Stamp Duty).

The minimum group size is 3 employees.

This product has 1 mandatory Core Module and 3 Optional Modules as follows. Each Optional Module has 2 Plans.

i) Mandatory Module:

  • • Core Module

ii) Optional Modules:

  • • Accident Module
  • • Medi-Care Module
  • • Employee Assistance Module
  • i) All claims must be notified within 30 days from the date of loss.
  • ii) All supporting documents proving the loss must be submitted within 90 days from the date of loss.
  • iii) No claim can be admissible if notified one year from the date of loss.
  • iv) All claims will be paid to the employer.

Each employee must be between 18 to 75 years of age to qualify.

This is based on the number of employees declared to the company under the classification of occupation class stated in the schedule. New employees will be automatically covered subject to:

  • i) Categories where the occupation has changed from occupations declared at the inception of the Policy; or
  • ii) any Category or inclusions from any new acquisition or subsidiary where the nature of business differs from the declared nature of business of the Policyholder; or
  • iii) any increase in the total number of employees by more than 20% or 5 persons (whichever higher) of the current headcount
  • iv) All claims will be paid to the employer.

If the number of employees is more than the number of employees declared in the classification of occupation class stated in the schedule, the company shall not be liable to pay or contribute more than its rationable proportion of any loss. Otherwise, this is subject to the terms and conditions of the policy.

This policy is arrange on a headcount basis. The declaration must include the employee's designation and the plan he/she is covered for.

  • i) Occupation Class 1 and 2 – Persons engaged in professional, managerial, administrative, supervisory or clerical work and not involved in any manual labour or any work which is hazardous in nature.
  • ii) Occupation Class 3 – Persons engaged in occasional or regular manual work that is not hazardous in nature but involving the use of tools or light machinery.

An employer may cancel the policy at any time by providing a 30 days written notice. The employer will be entitled to a refund of the premium on a prorate basis for the unexpired period of insurance.

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Important Documents

AIG Leaflet Product Disclosure Sheet Policy Amendment Form Proposal Form Group Employee Claim Form

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