Great Eastern GMBIS · Group Insurance
Top Up Your Staff Benefits with Critical Illness Cover. No Medical Check-Up to Join.
Add up to RM30,000 of critical illness protection for your staff, on top of the medical card they already have. No medical check-up, the same premium for every age, and the company or the employee can pay.
Works With Your Existing Medical Card
45 Critical Illnesses
From RM1 a Day
Company-Paid or Employee-Paid
*Under the Simplified Issuance Offer. Pre-existing conditions are excluded and reduced benefits apply to certain claims in the early months. Terms and conditions apply.
An official Great Eastern Life group scheme · Great Eastern Life Assurance (Malaysia) Berhad is a member of PIDM.
On diagnosis of any of 45 critical illnesses. Paid in cash, on top of your medical card.
Main Benefits & Coverage
The Protection Your Medical Card Doesn't Give
Medical cards cover hospital bills. GMBIS pays cash directly to your staff and their families when they need it most, and it doesn’t touch the coverage you already have.
No Medical Check-Up to Join
Under the Simplified Issuance Offer, eligible members can join without medical exams or lengthy health questionnaires. That makes protection easy for everyone, including staff who have been turned down elsewhere.
Pre-existing conditions are not covered. If a non-accidental CI/TPD claim arises within the first 6 months, 50% of the benefit is payable. A death claim due to a pre-existing condition within the first 2 years pays 50%. Terms apply.
45 Critical Illnesses Covered
Get a lump-sum payout of up to RM30,000 on diagnosis of any of 45 critical illnesses, including cancer, heart attack, stroke and kidney failure. The money is yours to use for treatment, income replacement or family needs.
Life & Disability Protection
Your staff’s families receive a full payout on death or Total & Permanent Disability due to any cause.
Double Payout for Accidents
If death or permanent disability is caused by an accident, the payout doubles, up to RM60,000.
Daily Hospital Income
Receive RM20–RM30 cash for every day in hospital (up to 500 days) at any registered hospital in Malaysia, Singapore or Brunei.
Funeral Expenses
A lump sum of RM5,000 helps with funeral costs. It is paid in addition to the death benefit.
Built-In Savings for Retirement
Part of each premium is invested in Great Eastern’s Dana Gemilang fund. At age 65 with no claim made, the member receives the Total Investment Value. It works as an extra retirement fund on top of EPF.
Not sure which benefits fit your team?
WHY Team will map GMBIS against your current medical card and show you the gaps.
Why Companies Choose GMBIS
Fixed premium for all ages & genders
A 55-year-old pays the same as a 25-year-old.
Family cover
Extend it to spouse and children.
Stays with them
Coverage can continue after the staff member leaves the company, as long as premiums are paid.
Easy payment
Salary deduction, credit card, direct debit or JomPay.
Tax relief
Premiums are eligible for personal income tax relief.
Lower cost
Premiums are significantly lower than a comparable individual policy.
Packages
Simple Plans. Serious Protection.
Choose the level of protection that fits your team. Every member pays the same premium, whatever their age.
Essential
About RM1 a day. The smart starting point for every employee.
| 45 Critical Illnesses | RM20,000 |
| Death (illness / natural cause) | RM20,000 |
| Accidental Death | RM40,000 |
| TPD (illness) | RM20,000 |
| TPD (accident) | RM40,000 |
| Daily Hospital Income | RM20/day |
| Funeral Expenses | RM5,000 |
| Total Investment Value | ✓ |
Enhanced
Most Popular
50% more protection for RM15 more a month.
| 45 Critical Illnesses | RM30,000 |
| Death (illness / natural cause) | RM30,000 |
| Accidental Death | RM60,000 |
| TPD (illness) | RM30,000 |
| TPD (accident) | RM60,000 |
| Daily Hospital Income | RM30/day |
| Funeral Expenses | RM5,000 |
| Total Investment Value | ✓ |
Custom Corporate Plan
Have 100+ staff or special requirements? We’ll work with Great Eastern to tailor a scheme, including a tax-approved retirement gratuity plan, for your company.
Figures are for illustration based on a sample scheme. Actual benefits and premiums depend on your company’s scheme. Terms and conditions apply.
Your Budget, Your Choice
Company-Paid: A Benefit That Retains Talent
The company pays the premium as part of its staff benefits package. From about RM1 per employee per day, it’s one of the most affordable ways to strengthen your benefits and show staff you care.
Employee-Paid: Zero Cost to the Company
The company simply opens access to the scheme. Staff who want to join sign up voluntarily and pay through salary deduction. They get group rates and no medical check-up, and the company adds a valuable benefit without adding to its budget.
Compare with Medical Card
GMBIS vs Medical Card: Not Either/Or, But Both
A medical card pays the hospital. GMBIS pays you. Together, they close the gaps a medical card leaves open.
| GMBIS (Group Plan) | Typical Medical Card | |
|---|---|---|
| What it pays | Cash lump sum to the member/family | Hospital bills, paid to the hospital |
| Critical illness | Lump sum on diagnosis of 45 CIs | Covers treatment bills only |
| Death & disability | ✓ Covered | ✗ Not covered |
| Loss of income while ill | ✓ Daily hospital cash + CI lump sum | ✗ Not covered |
| Premium | Fixed, same for all ages | Usually increases with age and repricing |
| Medical check-up to join | Not required (Simplified Issuance) | Usually full health declaration |
| Family cover | Spouse & children under the same scheme | Separate policy per person |
| Savings element | ✓ Total Investment Value at 65 | ✗ None |
Already have a company medical card? GMBIS is designed to sit on top of it. It covers life’s big financial shocks that a medical card was never built for.
Eligibility
Who Can Join?
For companies & organisations
- Companies, associations, unions and member-based groups in Malaysia
- Minimum group size: [to be confirmed]
For individuals
- Employees / members: age 19–60 (next birthday)
- Legal spouse: age 19–60 (next birthday)
- Children: 30 days to 19 years old, or up to 23 if a full-time student (unmarried and not working)
- Coverage continues up to age 65 (next birthday)
Spouse and children can join only when the employee/member joins.
Our Extra Service from WHY Team
We Don't Just Sell the Plan. We Run It With You.
HR has enough on its plate. WHY Team handles the explaining, the sign-ups and the follow-up, so your people understand what they’re getting and actually use it.
Product Explanation Sessions
We run clear, no-jargon briefings for your staff, in person or online, in English, Bahasa Malaysia and Mandarin. Employees get their questions answered and understand exactly what they’re covered for.
On-Site Open Booth
We set up a booth at your office, factory or canteen during lunch or shift changes. Staff can walk up, ask questions and sign up on the spot, with no time off work needed.
Hassle-Free Enrolment
We prepare the forms, collect applications and coordinate payroll deduction with your HR and payroll team.
Claims Assistance
When a claim happens, we guide the family through documents and follow up with Great Eastern until it’s settled.
New Joiner Onboarding
New hires can be added throughout the year. We brief them so no one is left unprotected.
Annual Scheme Review
Each year we review your scheme’s participation and claims with HR and recommend adjustments.
Dedicated Account Advisor
HR gets one point of contact for every question, instead of waiting in a call-centre queue.
Who Is WHY Team
Meet WHY Team
WHY Team was founded in [year] by [founder name] with one question in mind: why should good protection be complicated or out of reach? For over [X] years, our team of [X] Great Eastern advisors has helped Malaysian companies protect [X,000]+ employees and their families through group insurance schemes.
We believe insurance only works when people understand it. That’s why we spend as much time explaining as we do enrolling, on the factory floor, in the meeting room and wherever your people are.
Trusted by Leading Employers
Testimonials
What HR Leaders and Members Say
HR / Management
“[Quote about how easy WHY Team made the rollout, or how staff responded]”
— [Name], [Title], [Company]
Employee
“[Quote about why they joined: affordable, family covered, finally understood their coverage]”
— [Name], [Role], [Company]
Claim Experience
“[Quote about the claim process and WHY Team’s support]”
— [Name / Initials], [Company]
FAQ
Frequently Asked Questions
Can’t find your answer? Chat with our team and we’ll explain everything clearly.
Is this a Great Eastern product?
Yes. GMBIS is a group insurance scheme by Great Eastern Life Assurance (Malaysia) Berhad. WHY Team are authorised Great Eastern representatives who help you set it up and serve your members.
Do my staff need a medical check-up?
Under the Simplified Issuance Offer, no medical underwriting is required to join. Pre-existing conditions are not covered, and reduced benefits apply to certain claims made in the early months. Your WHY Team advisor will explain the details.
Why is the premium the same for all ages?
Group schemes price risk across the whole group, so a 25-year-old and a 55-year-old pay the same premium.
Is this the same as a medical card?
No. A medical card pays hospital bills. GMBIS pays cash lump sums for critical illness, death and disability, plus daily hospital income. The two work best together.
Can my family join?
Yes. Your legal spouse and children can join once you are a member. Their sum assured cannot be higher than yours.
What happens if I leave the company?
Your coverage can continue until age 65 as long as premiums continue to be paid.
If the main member passes away or makes a claim, can the family continue?
Yes. Spouse and children can continue until they reach age 65 (next birthday).
Can I withdraw money from the plan?
After at least 12 months of contribution, you may redeem units for emergencies. At age 65, if no claim was made, you receive the Total Investment Value. Values depend on fund performance and are not guaranteed.
How are premiums paid?
By salary deduction, credit card, direct debit / bank standing instruction or JomPay, depending on your company’s setup.
Are premiums tax-deductible?
Premiums are eligible for personal income tax relief, subject to LHDN rules.
What are the fees?
Monthly policy fee of RM5.00 and a fund management charge of 0.50% per annum. Insurance charges depend on the group’s age profile and claims experience, and may be revised with advance notice.
Can I cancel?
Yes. There is a 15-day free-look period after you receive your Certificate of Assurance. Early cancellation after that may return less than the premiums paid.
Contact Us
Protect Your Team This Month
Tell us about your company. We’ll prepare a free proposal and arrange a staff briefing at your convenience.
- WhatsApp: [number]
- Phone: [number]
- Email: [address]
- Office: [address]
WHY Team · [Agency name / GE agency code]
We’ll get back to you within 1 working day.