Select by Mercer Marsh Benefits

• Group Health and Life insurance provides financial protection, helps reduce covered employees’ medical expenses, and supports their dependents.
• Employee Benefits Packages can include cashless facilities, allowing employees to see a doctor without upfront payments, thus providing peace of mind in the event of a medical emergency. 
• Offering employee benefits makes your company more competitive and improves employee satisfaction.

Benefits One is cost-effective because it helps small business owners manage expenses easily by offering cost containment controls that lock in premiums. This provides budget stability amid market fluctuations. Additionally, MMB’s large scale enables strong negotiation power and exclusive partnerships, which help secure better rates and value.

Yes, Benefits One covers employees up to age 70, as long as they remain employed. Coverage ends at age 70 or when employment ceases. 

Yes, TPD is included as a rider under Group Term Life benefits.

Yes, coverage includes hospital admission and death from both natural and accidental causes.

Medical expenses incurred abroad are reimbursed based on reasonable and customary charges in Malaysia. Employees must pay upfront and claim later. Pre-authorisation letters are not available for overseas hospitals.