Alternative For Members on Their Premium Hikes / Exhausted H&S Policy
Exclusive H&S with Free Underwriting Offer – still available until further notice from CHUBB.
The Scheme has Officially Commenced on 01 August 2025
Category 1:
Existing G1008954 Group H&S policyholders / Applicants below age 45
- Free Underwriting for all Plan
- do not subject to Pre-Existing Illness Exclusion, Specified Illnesses exclusion and Waiting Period
Category 2:
Applicants above 45 years with existing H&S insurance
- Free Underwriting for Plan 200 only
- do not subject to Pre-Existing Illness Exclusion, Specified Illnesses exclusion and Waiting Period
- subject to a copy of in-force H&S renewal notice / policy
IMPORTANT NOTE:
- Free underwriting is still available until further notice from CHUBB.
- Policy will only commence upon submission of all required documents and successful payment.
- You can still join the scheme after 01 August 2025 – entry starts on the 1st of every month.
- Premium will be prorated based on your entry month.
- Submit you Interest Online / Contact GELFAAM for a personalised quote
- GELFAAM E-mail: admin@gelfaam.com WhatsApp: +603-92006300
Who is eligible for coverage under this policy?
| Person covered | New Application | Renewal |
| Member | Age 18 next birthday up to age 65 next birthday | Up to 79 next birthday |
| Member’s Spouse | Age 18 next birthday up to age 55 next birthday | Up to 79 next birthday |
| Member’s Child/children | 30 days to 19/23* next birthday | 19/23* next birthday |
*If he/she is still studying full-time in an institute of higher learning, not married, and not gainfully employed on regular and full-time basis.
Members must first participate in the policy only their spouse and child/children eligible to participate.
Members are allowed to continue renewing the policy even if they are subsequently terminated or resign as Agents.
Child above 23 years age next birthday will be allowed to continue under Member’s rate as long as the Member is still participating in the policy.
What are the covers / benefits provided?
There are three plans with daily Room and Board rate of RM 300, RM 250 & RM 200, depending on the plan purchased. This plan reimburses reasonable and customary inpatient hospitalisation and surgical expenses incurred by Member for the treatment of sickness, disease, or accidental cause in accordance with limits specified in the Schedule of Benefits.
| BENEFITS (in Ringgit Malaysia) | Plan 300 | Plan 250 | Plan 200 |
| Hospital Room and Board (Max. up to 120 days) | 300 | 250 | 200 |
| Intensive Care Unit (Max. up to 30 days) | 400 | 350 | 350 |
| Hospital Supplies & Services | AC | AC | AC |
| Surgical Fees (Max. up to 60 days, not subject to Surgical Schedule) | AC | AC | AC |
| Operating Theatre | AC | AC | AC |
| Anaesthetist Fees | AC | AC | AC |
| Daily In-Hospital Physician’s Visit (Max. up to 1 visit per day) (Max. up to 120 days) | AC | AC | AC |
| Pre-Hospitalisation Diagnostic Services (Max. 60 days prior to Hospitalisation) | AC | AC | AC |
| Pre-Hospitalisation Specialist Consultation (Max. 60 days prior to Hospitalisation) | AC | AC | AC |
| Post-Hospitalisation Treatment (Within 60 days from discharge) | AC | AC | AC |
| Day-Care Procedure | AC | AC | AC |
| Emergency Accidental Outpatient Treatment (Within 24 hours of the accident and follow up treatment up to 31 days) | AC | AC | AC |
| Emergency Accidental Dental Treatment (Within 24 hours of the accident and follow up treatment up to 14 days) | AC | AC | AC |
| Emergency Sickness Treatment (Between 12am and 6am) | 100 | 100 | 100 |
| Ambulance Fees | AC | AC | AC |
| Daily-Cash Allowance at Government Hospital (Max. Up to 120 days) | 60 | 50 | 40 |
| Medical Report Fee | 80 | 80 | 80 |
| Annual Out-Patient Cancer Treatment | 50,000 | 25,000 | 20,000 |
| Annual Out-Patient Kidney Dialysis Treatment | 50,000 | 25,000 | 20,000 |
| OVERALL ANNUAL LIMIT | 200,000 | 150,000 | 100,000 |
AC Denotes As Charged
Note: This is a yearly renewable policy, and its renewability is not guaranteed.
The duration of cover is for one year. You need to renew Your insurance policy annually. (Please ensure that the insurance policy is renewed before the expiry date.)
How much premium do I have to pay?
The premium rates applicable are in accordance with the age band and the Plan selected from the Schedule of Benefits for the member concerned.
——- MEMBER ——-
Annual Premium On Cashless Admission basis
| Age Next Birthday | Plan 300 | Plan 250 | Plan 200 |
| 18-55 | 3,615 | 3,114 | 2,387 |
| 56-60 | 5,812 | 4,947 | 3,725 |
| 61-65 | 9,395 | 7,975 | 5,936 |
| 66-70 | 10,850 | 9,230 | 6,876 |
| 71-75 | 15,191 | 12,923 | 9,627 |
| 76-79 | 21,267 | 18,093 | 13,478 |
——– SPOUSE ——–
Annual Premium On Cashless Admission basis
| Age Next Birthday | Plan 300 | Plan 250 | Plan 200 |
| 18-55 | 3,922 | 3,356 | 2,560 |
| 56-60 | 6,357 | 5,392 | 4,051 |
| 61-65 | 8,982 | 7,607 | 5,629 |
| 66-70 | 10,373 | 8,804 | 6,521 |
| 71-75 | 14,522 | 12,327 | 9,130 |
| 76-79 | 20,331 | 17,258 | 12,782 |
——– CHILDREN ——–
Annual Premium On Cashless Admission basis
| Age Next Birthday | Plan 300 | Plan 250 | Plan 200 |
| 30 days to 23 | 2,030 | 1,751 | 1,357 |
- The premium you need to pay will depend on the plan chosen and is subject to Service Tax (ST) (where applicable).
- The premium rates shown above are based on standard lives. The premium rates are subject to change annually.
- Premium is non-guaranteed and may increase upon renewal. The Company reserves the right to revise the premium by giving you at least thirty (30) days’ advance notification before the policy expiry. The revision, if any, will aim to reflect our claim experience, cost of medical treatment, advancement in medical technology, or other justified circumstances.
- The premium that you have to pay, and the policy terms may also vary depending on the underwriting requirements of the Company
IMPORTANT NOTE:
Application will only begin to be processed once the minimum number of 400 participants required by Chubb is reached. Coverage shall commence upon reaching 400 participants with successful payment.
You are advised to refer to the Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan(s) before purchasing the plan(s). For further information, reference shall be made to the terms and conditions specified in the policy issued by Chubb.
