Looking for an Alternative to Rising Medical Premiums or an Exhausted H&S Policy?
Free Underwriting Offer – Available for a Limited Time!
Category 1: Applicants below age 45
- Free Underwriting for all Plans
- do not subject to Pre-Existing Illness Exclusion, Specified Illnesses exclusion and Waiting Period
Category 2: Existing G1008954 Group H&S policyholders / Applicants with existing H&S policy
- Free Underwriting for Plan 200 only
- do not subject to Pre-Existing Illness Exclusion, Specified Illnesses exclusion and Waiting Period
- A copy of your current in-force H&S policy or renewal notice must be submitted for eligibility verification.
IMPORTANT NOTE:
- Free underwriting is available until further notice by CHUBB and may be withdrawn at any time.
- Policy will commence upon submission of all required documents and successful payment, whichever is later, subject to the terms and conditions of the Group Policy.
- You can still join the scheme after 01 August 2026 – 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: +603-92006400
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?
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?
(Premium Rates Effective 01/08/2026)
The premium rates applicable are in accordance with the age band and the Plan selected from the Schedule of Benefits for the member concerned.
- 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:
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.
