Shariah-compliant employee benefits for Malaysian employers, arranged through AIA PUBLIC Takaful Bhd.
Protect the People Who Drive Your Business
Attracting and keeping good people is a challenge for any organisation. A structured employee benefits programme helps your team meet rising medical costs and protects their families against the unexpected, while giving your business a credible, Shariah-compliant benefit to offer. Zahin Solutions arranges these programmes as an authorised agency of AIA PUBLIC Takaful Bhd.
AIA’s employee benefits approach goes beyond claims payment. It combines coverage with workforce wellness across four dimensions of employee wellbeing.
Live Well
Physical wellness: health screenings, physical activity, nutrition and access to a quality medical network.
Think Well
Mental wellness: awareness, education, self-help tools, coaching, counselling and access to mental health providers.
Plan Well
Financial wellness: financial literacy, planning tools and access to professional help across life stages.
Feel Well
Social wellness: an inclusive workplace and supportive network that builds belonging, purpose and resilience.
Core Coverage
What an Employee Benefits Programme Covers
A programme is assembled from two core takaful benefits, with optional riders added according to your budget and headcount.
Core
Group Hospitalisation and Surgical Takaful (GHS)
Inpatient hospitalisation cover for your employees: room and board, surgical and anaesthetist fees, operating theatre charges, in-hospital physician visits, ambulatory and day-care procedures, and post-hospitalisation treatment. Plan tiers are available across a range of annual limits, and cover can be extended to employees’ spouses and children.
Choice of plan tiers to match budget and headcount
Optional dependant cover for spouse and children
Emergency medical evacuation and repatriation while travelling abroad
Core
Group Term Takaful (GTT)
Lump-sum financial protection for an employee’s family in the event of death, together with cover for total and permanent disability, partial and permanent disability under a scale of indemnity, and terminal illness.
Death cover from all causes
Total and partial permanent disability benefits
Terminal illness benefit
A No-Evidence Limit may apply for larger groups, reducing health declaration paperwork
Optional
Outpatient GP and Specialist Care
An optional rider giving employees cashless access to panel GP clinics and, on referral, specialist consultations and outpatient diagnostic services. Paired with hospitalisation cover, it gives employees a comprehensive healthcare benefit.
Cashless visits at panel GP clinics nationwide
Specialist care and diagnostics on referral
Limited overseas outpatient cover
Optional
Critical Illness and Wellness Riders
Critical illness cover pays a lump sum on diagnosis of a covered condition, easing financial pressure during treatment. AIA Vitality can be added as a science-backed wellness programme that rewards employees for healthier choices.
Lump-sum critical illness benefit on diagnosis
Wide list of covered critical illnesses
Optional AIA Vitality membership for employees
Service and Administration
Support That Reduces the Load on HR
Cashless Medical Access
Employees present their member ID card at panel clinics for covered outpatient care, with Letters of Guarantee issued for hospital admission.
Nationwide Panel Network
Access to panel GP clinics located across Malaysia, with the network also covering major hospitals nationwide.
24-Hour Call Centre
A round-the-clock contact line for guarantee letters, claims questions and benefit enquiries, so HR is not the first point of call.
Digital Administration
Employee additions and removals, claim tracking and benefit records are handled through AIA’s corporate and member portals.
Who It Suits
Programmes for Different Organisation Sizes
Small and Medium Enterprises
A packaged programme designed for SMEs, typically from around five up to 150 employees, bringing hospitalisation, term takaful and optional riders into a single plan that is straightforward to set up and administer.
Simple plan selection
Reduced health declaration requirements for larger groups
One-stop employee benefits package
Larger Corporates
For larger headcounts, programmes are tailored rather than packaged, with scope for wider benefit design, healthcare cost management, dedicated account servicing and utilisation reporting.
Tailored benefit design
Cost and utilisation analytics
Dedicated account management
General Eligibility
Full-time employees who are actively at work, generally below age 65, in eligible occupational classes.
Employees’ spouses and eligible unmarried children may be covered under the medical benefit.
Health declaration requirements depend on group size and the amount of cover selected.
Waiting periods apply for certain benefits, and specified illnesses are subject to their own waiting period.
How It Works
Setting Up a Programme
01
Discovery
We discuss your headcount, budget, existing cover and renewal date.
02
Proposal
We prepare plan options with a written quotation from AIA PUBLIC Takaful.
03
Enrolment
Group application and enrolment forms are completed and submitted.
04
Servicing
We support onboarding, claims questions, staff movements and renewal.
Discuss a Programme for Your Organisation
Tell us about your team and we will prepare an indicative proposal. There is no obligation, and we are happy to review an existing programme ahead of its renewal date.
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This page is general information about employee benefits takaful and is not a quotation, recommendation or contract. All takaful certificates are issued by AIA PUBLIC Takaful Bhd., which is licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia. Benefits, plan limits, eligibility, waiting periods, exclusions and contributions are governed solely by the Master Certificate issued and are subject to underwriting and acceptance. Contribution rates are not guaranteed and may be revised at renewal. Please request the Product Disclosure Sheet and read it before deciding.
Product information on this page is summarised from materials published by AIA Malaysia and AIA PUBLIC Takaful Bhd.
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