An exclusive group medical

plan curated for startups and SMEs



In this COVID-19 era, keeping your employees engaged and productive, whilst taking care of their well-being is extremely important.
Getting employee benefits is so easy with PolicyStreet SME+. Choose from 2 affordable plans, add dependents and outpatient coverage, and your employees will never have to worry about COVID-19 and high medical costs.

Why PolicyStreet SME+?

  • As low as RM49 per month per employee
  • Annual limit up to RM80,000
  • No waiting period, full coverage against COVID-19
  • RM50,000 life insurance for all employees
  • Payment-free hospital admission
  • Nationwide access to 127 panel hospitals and 1816 panel clinics
  • Optional spouse and child(ren) coverage
  • Optional outpatient coverage
  • Simple onboarding process


SME+ is available to:


With 5-150 employees


Between 16 – 65 years old


Spouse is between 16 – 65 years old. Children must be 15 days old to 19 or 23 years old next birthday if he/she is studying in a full time tertiary institution




1. Get quote

Enter your company profile


2. Choose your plan

Choose a plan that suits your company


3. Confirm your plan

Double check if all is good

4. Submit forms

Complete documentation for simple onboarding process

5. Done!

Our team will contact you in 48hours.

How do I buy SME+ ?


1. What is SME+ ?

SME+ is a comprehensive employee benefit plan suitable for employees and dependents of SMEs. Firstly, it pays for hospital bills. If your employees are admitted or warded at a hospital, SME+ will cover your employees. It also pays life insurance payout upon the death of an employee. Optional outpatient coverage is available for outpatient GP/specialist visits.

2. What illness does SME+ cover?

SME+ covers almost any illness, disease, medical condition or accident. SME+ also covers COVID-19.

3. What hospitalization services are covered by SME+?

SME+ covers the following hospitalization procedures:
Pre- and post-hospitalization consultation and diagnostics
Intensive Care Unit (ICU)
X-ray and MRI scans
Treatment and Surgery
Prescription drugs(medicine)
Room & Board

4. What is the Room and Board limit?

SME+ provides coverage for hospital Room & Board for both RM150 and RM250 per day. If your employees choose a room higher than their limit, they just need to pay the difference.
There is annual maximum limit of 180 days for Room & Board accommodation.

5. How to buy SME+?

SME+ is available for online quotation at SME+ process:
1) Go to
2) Enter your company info
4) Select your desired coverage
5) Confirm coverage
6) Complete documentations
7) Make payment
8) Done!

Our employee benefits team will reach out to you within 48 hours. Upon complete documentation and payment received, you will receive your policy within 3 working days, and medical cards delivery within 14 working days.

6. When can my employees use the medical card?

Your employee can use the medical card immediately. There is no waiting period for accidents, medical conditions and specified illness.

7. Do my employees need to pay first if admitted to hospital?

If your employees go to an AmMetLife panel hospital administered by Third Party Administrator IHP, they won’t have to pay. Just present their Medical Card and AmMetLife will settle the bill directly with the hospital. If your employees go to a non-panel hospital, they need to pay the bill first and then make a claim with AmMetLife to get reimbursement.
Note: Some hospitals may require a deposit that your employees will need to pay on their own first. The deposit is refundable by the hospital.

8. What are the documents to be submitted?

a) Application form
b) Letter of undertaking
c) Polisea’s Appointment letter
d) Form 9, Form 24, Form 49
e) Employee’s personal health declaration form (for companies sized between 5 – 19 employees)
f) Employee listing
g) IC copy of authorised signatory

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