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Group Hospital and Surgical Insurance Scheme (GHS)

GHS is designed to reimburse the expenses incurred by insured employees for the cost of hospitalisation or surgery at a very economical premium.

With our widely accepted medical card, GHS cushions employees’ worries about medical cost and even covers emergency accidental outpatient medical bills. Employees will have the option to protect their immediate family members as well.

Member of PIDM
The benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact AmMetLife Insurance Berhad or PIDM (visit

Standard GHS Benefits / Coverage to choose from

In-Hospitalisation Benefits

Plans AM300 AM200 AM150
1. Hospital Room & Board (120 Days) RM300 RM200 RM150
2. Intensive Care Unit (20 Days) As Charged
3. Hospital Supplies & Services As Charged
4. Operating Theatre Fees As Charged
5. Surgical Fees & Post-Operative Care As Charged
6. Anaesthetist’s Fees As Charged
7. In-Hospital Physician Visit As Charged

Pre-Hospitalisation Benefits (60 Days)

Plans AM300 AM200 AM150
1. Diagnostic X-ray & Laboratory Test As Charged
2. Specialist’s Consultation As Charged
3. Second Surgical Opinion As Charged

Post-Hospitalisation Benefits (60 Days)

Plans AM300 AM200 AM150
1. Follow-up Medical Treatment & Services
As Charged

Out-Patient & Other Benefits

Plans AM300 AM200 AM150
1. Day-care Procedure As Charged
2. Emergency Outpatient Treatment for Accidental Injury As Charged
3. Ambulance Fees (Road Transport Only) As Charged
4. Government Hospital Daily Cash Allowance As Charged
5. Medical Report Fee Reimbursement RM80
6. Outpatient Physiotherapy Treatment As Charged
7. Outpatient Cancer Treatment As Charged
8. Outpatient Kidney Dialysis Treatment As Charged
9. Emergency Sickness Treatment As Charged
10. Emergency Outpatient Accidental Dental Treatment As Charged
11. In-Patient Treatment in Government Hospital As Charged
12. Consumption Taxes As Charged
Plans AM300 AM200 AM150
Overall Annual Limit RM30,000 RM20,000 RM15,000

Customers can choose to insure with Medical Card facility to ease the burden of paying high medical bills due to hospitalisation.

Item Description
Mode of Payment Yearly renewable premium paid by Employer
Min. Applicants 5 lives (subject to completion of Personal Health Declaration form)
Applicable Age (Child) 15 days old and is under the age of 19, or up to age 23 for those registered as full time students at a recognized educational institution
Min. Entry Age (Adult) 16 years old
Max. Entry Age (Adult) 64 years old
Renewable Annually (Adult) Up to age 69 years old