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AIA Group Hospitalisation & Surgical (GHS) Insurance Package – Comprehensive Group Medical Cover for Companies

The AIA GHS (Group Hospitalisation & Surgical) Insurance Package in Malaysia offers employers a flexible and comprehensive medical plan for employees—covering in‑hospital surgical treatments, ambulance fees, pre‑ & post‑hospitalization care, specialist outpatient consultations, and more. With multiple room‑rate options, annual caps, and a suite of add‑ons, GHS is designed to suit SMEs and larger organizations alike. Group size starts from just 5 people, making it accessible even for small companies. Strengthen your employee benefit scheme with GHS and give your team peace of mind when it comes to health.

Key Point:

• Flexible Plan Tiers – Multiple plans (e.g. Plans 80, 120, 160, 230, 350, 500) offering different hospital room rates (4‑bedded, 2‑bedded, 1‑bedded rooms) and varying annual limit caps. 

• Room & Board – Daily hospital room charges depending on chosen room type.

• In‑Hospital Benefits – Surgical fees, anesthesia, operating theatre charges, in‑hospital physician visits, ICU coverage, hospital supplies and services.

• Ambulatory & Pre/Post Treatment – Pre‑surgical diagnostics & specialist consultations (within 60 days before admission), post‑hospitalization treatment (up to 60 days), emergency outpatient accident treatment, daycare surgeries.

• Outpatient Care Options – Unlimited GP visits via panel clinics; specialist clinic visits limited by outpatient cap if selected.

• Cashless Access & Hospital‑Network Features – Letter of Guarantee for hospital admissions, cashless treatment at panel hospitals/clinics, and wide hospital/clinic network. 

• Additional Benefits

  • Compassionate Allowance (fixed amount, e.g. RM10,000) across plan options.

  • Daily cash allowance for government hospital stay (e.g. RM200/day up to 180 days) depending on plan.

  • Covers chronic or critical conditions like cancer, diabetes, hypertension, kidney dialysis (subject to waiting periods).

• Minimum Group Size – Available for employer groups of at least 5 employees.