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A-SME Flex is a comprehensive and customisable employee benefits solution designed specifically for Small and Medium Enterprises (SMEs). It helps employers attract, motivate, and retain talent by ensuring their employees’ health and wellbeing are well protected.
Why Choose A-SME Flex?
- Flexible & Customisable Plans
Pick and combine benefits according to your company’s budget and employee needs — including medical, outpatient, life insurance, and critical illness coverage.
- Comprehensive Protection
Offers a wide range of healthcare options such as hospitalisation, GP & specialist outpatient care, surgical benefits, life protection, disability benefits, and add-on health programmes.
- Digital & Convenient
Easier onboarding, e-medical card, fast claim reimbursement (within 5 days), and seamless policy management through digital platforms.
- Industry-Based Recommendations
Provides suggested plans based on your industry to help you build the right benefits package.
Core Benefits for Employees
1. Group Medical (Basic & Optional)
Hospitalisation & Surgical Care
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Room & board
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ICU
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Surgical & anaesthetist fees
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Hospital services
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Specialist visits
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Emergency outpatient treatment
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Ambulance fees
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Follow-up treatment
Outpatient Care (Optional) -
General Practitioner (GP)
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Specialist Care (SP)
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Diagnostic Services
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Cashless access (with a minimum limit)
Group Term Life Benefits
Provides financial security for employees and their families.
Includes:
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Death benefit
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Total & Permanent Disability (TPD)
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Partial & Permanent Disability (PPD)
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Terminal Illness payout
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Repatriation expenses for overseas death
Critical Illness Rider (Optional)
Lump-sum payout upon diagnosis of 39 major critical illnesses.
Corporate Solutions
