mSME Solutions

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:
• a) Core Module


• ii) Optional Modules:
• a) Accident Module
• b) Medi-Care Module
• c) Employee Assistance Module

• All claims must be notified within 30 days from the date of loss.
• All supporting documents proving the loss must be submitted within 90 days from the date of loss.
• No claim can be admissible if notified one year from the date of loss.
• 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

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.

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.

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.