'ING Employee Benefits' Category
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Fulfilling Your Total Healthcare Needs
Imagine having a medical plan that guarantees hospital admission and takes care of your medical bills upon discharge at our panel hospitals. This is what the ING MediPlus¹ (IMPlus) Insurance can do for you. With absolute convenience and hassle free hospitalization, you now have the comfort and peace of mind to focus on what is more important-your health.
With ING MediPlus Insurance, you are covered worldwide 24 hours a day. You need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.
| Schedule of Benefit | IMPlus 1 (RM) | IMPlus 2 (RM) | IMPlus 3 (RM) |
| Hospitalisation & Surgical Expenses | |||
| a) Room & Board (daily limit) | 120 | 180 | 260 |
| b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability) | 300 | 300 | 300 |
| c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge) | As charged subject to self-insured deductible | ||
| d) Hospital Expenses | |||
| e) Pre-Surgery/Medical Specialist ConsultationIncludes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery | |||
| f) Pre-Surgery/Medical Diagnosis Test | |||
| g) Daily Cash Allowance at a Malaysian Government Hospital (per disability) | 50 | 50 | 50 |
| Out of Hospital Benefits | |||
| a) Day Surgery Benefits | As charged subject to self-insured deductible | ||
| b) Emergency Accidental Outpatient Treatment - up to 31 days from the date of accident | As charged | ||
| c) Post-Hospitalisation or Day Surgery Follow up - up to sixty (60) days from date of discharge or Day Surgery | |||
| d) Out- Patient Cancer Treatment | |||
| e) Out-Patient Kidney Dialysis Treatment | |||
| f) Home Nursing Care Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation | 500 | 1,000 | 2,000 |
| Overall Annual Limit | 60,000 | 110,000 | 160,000 |
| Lifetime Limit | 180,000 | 330,000 | 480,000 |
**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.
ING SMI PLAN Benefits | ING Small Medium Industry Insurance
ING SMI PLAN
Small Medium Industry Insurance
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ING Employee Benefits Group Insurance ING Small Medium Industry Plan
ING SMI PLAN Invest
In Your Employees
The ING SMI Plan is designed to administer Employee Benefit plans for small, medium industries; primarily with 5 - 100 employees. It is a one stop source for all Employee Benefit needs, providing maximum protection against uneventful death / disability, critical illness and escalating medical expenses.
Features/Benefits:
· Medical Provider Network
· Cashless Access to Medical Care (for Outpatient Clinical Only)
· 24 Hours Toll free Assistance
· Flexible Plan Design
· Administrative Ease
ING SMI PLAN INVEST IN YOUR EMPLOYEE BENEFITS
Attracting, motivating and keeping exceptional people is a challenge to any employer. As an employer yourself, you recognize that your family of employees’ is the driving force behind your company. It is important then, to invest in your employees’ well being. Invest in the ING SMI Plan and be assured that your employees’ welfare will be well taken care of.
The ING SMI Plan is designed to administer Employee Benefit plans for small, medium employers; primarily with 5 - 100 employees. It is a one stop source for all Employee Benefit needs, providing maximum protection against uneventful death / disability, critical illness and escalating medical expenses.
As the leading provider of Employee Benefits Insurance, let us help you protect and take care of your most valuable asset - your employees.
BENEFITS
Medical Provider Network
Enjoy extensive medical support from our network of GP panel clinics, strategically located nationwide. Our extensive network provides easy access, choice and convenience. The Medical Provider Network also includes all major hospitals nationwide.
Cashless Access to Medical Care ( for Outpatient Clinical Only )
Cashless access to medical care is made possible by presenting your ING Insurance Identity Card at any of our panel clinics. There is no hassle of having to pay first and seek reimbursement later.
24 Hours Toll Free Assistance
Our customer representatives are ready to assist you. Just call 1- 800 - 88 - 7818 if you have any inquiries regarding the coverage purchased.
Flexible Plan Design. Select from a choice of plans, the plan that suits your needs and budget best.
Administrative Ease
Focus on your core business, and leave the administration of your employee benefits to us.
PLAN FEATURES
The ING SMI Plan offers both medical and life coverage in a single comprehensive plan, specially designed with your employee in mind. You also have the option to purchase additional coverage at minimal cost.
Medical Protection
Comprehensive coverage for medical expenses incurred due to hospitalization. You also have the option to purchase outpatient ( GP and Specialist ) coverage. You and your employees can be assured of quality medical care when it matters most.
Term Life Coverage
This benefit provides financial protection in the event of loss of life as result of sickness and accident. In addition, compensation is payable in the event of permanent total and permanent partial disability.
Additional Critical Illness Rider
This is a rider to the Basic Term Life policy. In the event of a critical illness being diagnosed, a lump sum payment of 50% of the Basic Sum Assured ( Term Life ) is payable. The full sum assured (100%) would be paid should death or permanent disability occur during the remaining policy period or the subsequent policy period (if renewed).
Additional Executive Screening Rider
The screening provides valuable information about the health status of an individual. Information that can be used to prevent further sickness and to ensure that all is well.
Coverage for Overseas Treatment (Hospitalisation)
This policy covers emergency or accidental treatment while travelling overseas ( leisure or work ) for not more than 90 consecutive days. This policy also covers medical services provided overseas if it is not available locally ( referral letter from attending doctor that such medical treatment is not available locally is required )
SPECIAL CONDITION
Medical treatment, surgery or hospitalization due to illness occurring within 30 days of the policy date is not payable.
ING SMI Plan imposes only a one year exclusion on the following conditions:
· Hernias of all types
· All types of tumors
· Endometrosis
· Haemorrhoids
· Diseased tonsils requiring surgery
· Abnormalities of nasal septum / turbinates
· Hyperthyroidism
· Sinus conditions requiring surgery
· Calculi of kidney, urethra, bladder and biliary tract
· Hypertension
· Gastric or duodenal ulcer
· Diabetes mellitus