Are you taking care of 3 or more employees? If yes, there’s no reason for you to not obtain a Group Medical Insurance (“GMI”) plan. GMI can help make healthcare affordable for employees and their families while you can enjoy tax savings and additional benefits such as attracting quality talent and retaining your best employees.

A GMI plan is an employee benefit established by a business for its employees. The plan provides health insurance for participants directly or through insurance reimbursement.

The 4 main coverage are:

Group Term Life (“GTL”)	GTL is a yearly renewable term assurance which covers Death, Total & Permanent Disability (TPD) and Partial Permanent Disability (PPD) due to all or natural causes and Terminal Illness.
Group Hospitalization and Surgical (“GHS”)	GHS covers the cost of medical treatment incurred by employees for hospitalization, daycare surgery and various outpatient treatment.
Outpatient Care (“OPC”)	OPC is a standalone outpatient medical insurance policy which covers outpatient medical expenses incurred at General Practitioner and/or Specialist.
Group Personal Accident (“GPA”)	GPA provides compensation to your employees in the event of injuries, disability or death caused solely by accidental, external and visible events.
Others	Group dental, vision plans, and other voluntary insurance are available for purchase separately.