Group Medical Insurance

Making Employee Well-Being a Priority

A happy employee is a productive employee, and nothing keeps people happy more than the peace of mind that their needs are taken care of. Kurnia Group Medical Insurance lets employers provide comprehensive hospitalisation and surgical insurance to their staff, designed to reimburse them on medical expenses incurred due to illness, disease, accidental injuries and disabilities. All so employees stay healthy, happy and, of course, productive.

Powerful Benefits for Continued Well-Being

Kurnia Group Medical Insurance comes with a host of Core Benefits that come packaged in our basic coverage. These encompass:

  • Hospital Room & Board
  • Intensive Care Unit (ICU)
  • Surgical Fees
  • Operating Theatre Fees
  • Anaesthetist Fees
  • Pre-Hospital Diagnostic Tests & Specialist Consultation
  • In-Hospital Physician Visit
  • Post-Hospitalisation Treatment
  • Hospital Supplies & Services
  • Prescribed Medicines
  • Ambulance Fees
  • Emergency Accidental Out-Patient Treatment
  • Daily Cash Allowance at Government Hospitals
  • Medical Report Reimbursement
  • Funeral Expenses

Extended Benefits for Additional Peace of Mind

These are benefits that employers may request as add-ons to the Core Benefits in order to enhance protection for their employees. These include:

  • International Business Rider Benefit
  • Annual Out-Patient Cancer Treatment
  • Annual Out-Patient Kidney Dialysis Treatment
  • AIDS (lump sum payment upon diagnosis)
  • Organ Transplant
  • Emergency Out-Patient Illnesses
  • Insured Child’s Daily Guardian Benefit (for children aged below 15 years old)
  • Out-Patient Physiotherapy Treatment
  • Accidental Death
  • Home Nursing Care
  • Double Plan Benefits for Accidental Injury While Travelling Overseas
  • Repatriation of Mortal Remains
  • Major Medical
  • Day Surgery


Premiums will be determined upon discussion with Kurnia Insurans representatives, bearing in mind length and breadth of coverage, occupational risk and other related factors.

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