EMPLOYEE BENEFITS
Group Personal Accident (GPA)
24 hours worldwide coverage for employees against accidental death, injury or disability whether at work, travelling or off duty. It helps employers protect their people and show care through a shariah compliant employee welfare plan.
Group Term Life (GTL)/ Group Term Takaful (GTT)
Provides financial protection to employees and their families in the event of death or total permanent disability (TPD) from any cause whether illness or accident. It’s an affordable and compassionate way for employers to show care and responsibility while fulfilling corporate social values in a Shariah compliant manner.
Group Hospitalisation & Surgical (GHS)
Medical protection for employees in the event they are hospitalised due to illness or accident. It helps cover hospital, surgical and medical expenses ensuring your staff can focus on recovery while your business continues operating smoothly. Outpatient clinical of GP visit (optional).
Group Outpatient Clinical (GOP) :
Outpatient Benefits provide employees with easy access to essential medical care without the need for hospital admission. This benefit ensures timely treatment, reduces medical costs, and supports overall employee well-being.
With outpatient coverage, employees can visit panel clinics or specialists for:
- GP and specialist consultations
- Prescribed medication
- Diagnostic tests and medical screenings
- Follow-up treatments and minor procedures
By offering outpatient benefits, companies empower employees to seek early medical attention, leading to fewer sick days, higher productivity, and improved morale. Flexible plan options allow employers to tailor coverage based on workforce size, healthcare needs, and budget, making outpatient benefits a smart and practical investment in employee health.
Group Takaful/Takaful Berkelompok
Group Takaful is a Shariah-compliant employee benefits solution built on the principles of mutual assistance and shared responsibility. It provides comprehensive protection for employees under one centralized plan, offering both cost efficiency and peace of mind.
Through Group Takaful, employers provide financial security while fostering a caring and inclusive workplace culture. Contributions are pooled into a common fund to support employees during medical emergencies, illness, or unforeseen events—aligned with Islamic values and ethical risk-sharing
Group Takaful solutions commonly include:
- Death due to illness
- Death due to accident
- Total & Permanent Disability (TPD) due to illness
- Total & Permanent Disability (TPD) due to accident
- Partial & Permanent Disability (PPD) due to illness
- Partial & Permanent Disability (PPD) due to accident
- Critical Illness
This holistic approach helps companies attract and retain talent while demonstrating genuine care for employee welfare.
Why ist important for SMEs entrepreneur on staff benefits :-
- For Malaysian SMEs, employer contributions toward approved employee benefits are generally claimable as business expenses, subject to tax guidelines. This makes employee benefits a practical and tax-efficient alternative to increasing salaries.
- Encourages a healthy, loyal and motivated workforce
- Reduces financial stress for employees and their families
- Strengthens your company’s image as a caring and responsible employer
- Shariah compliant managed transparently under the Takaful principle of mutual protection (ta’awun)