Protect your most valuable asset by investing in your employees

Attracting, motivating and retaining exceptional employees are challenges faced by any organisation. As an employer, you recognise that your employees are the driving force behind your company. It is therefore important to ensure that your most valuable asset, YOUR EMPLOYEES, are well taken care of.

At PBB, we have the solution for YOU and YOUR EMPLOYEES – PB SME Flex

Why PB SME Flex?

PB SME Flex is an employee benefit group insurance plan designed especially for small and medium sized enterprises; primarily those with 5 – 200 employees. It is a one-stop source for all your employee benefit needs, providing a variety of healthcare cover options and benefits to suit different budgets.

  • Benefits recommendation
    Create the right plan for your employees.
  • Flexible and Customisable
    Flexibility to pick and choose benefit options and limits.
  • Comprehensive plan
    More options to suit different needs and budgets.
  • Digitalised
    Fast and seamless application experience.

What Are The Benefits?

Medical Benefits



1.In-hospital care
2. Ambulatory care
Extended Benefit
Compassionate Allowance benefit

Outpatient General Practitioner Care (GP) and
Outpatient Specialist Care (SP)
Group Term Life (GTL) Benefits



Total and Permanent Disability (TPD)
Partial and Permanent Disability (PPD)
Terminal Illness (TI)
Repatriation expenses

Critical Illness – Non-accelerated rider
Critical Illness – Accelerated rider
Add-on Benefits

Group MedCare
Exclusive access to Personal Medical Case Management services, ensuring your employees  receive the best possible treatment and personalised on-going support throughout their medical journey when diagnosed with a serious or complex condition.

Note: Group MedCare is attachable to Medical only.

AIA Vitality
A unique health programme that empowers employees with knowledge and tools to make healthier choices, motivates and rewards you and your employees to get healthier. Healthy employees mean higher productivity.

Kindly refer to AIA Vitality brochure for further information.

What are the exclusions under PB SME Flex?
Exclusions of PB SME Flex:

Medical Benefit (Hospitalisation and Outpatient Care):

  • Plastic/Cosmetic surgery or treatment including (but not limited to) for e.g. double eyelids, acne, keloids, scars, skin tags, gynaecomastia, diffused alopecia/hair loss, etc., or treatment of their complications, or
  • Care and treatment that is experimental, investigative or unproven services and not according to accepted professional standards and/or is not medically necessitated. This exclusion includes (but is not limited to) treatments such as:
    • Stem cell treatment, related workout and any complications arising thereafter.
    • Blood surety.
    • Hormone therapy and hormone replacement therapy except for surgically induced menopause.
    • Surgical treatment specifically for weight reduction or gain.

Group Term Life:

  • No benefits shall be payable on the account of the Insured Member, whether sane or insane, commits suicide within six (6) months from the effective date of Insured Member’s insurance coverage.

Total and Permanent Disability (All causes)
Partial and Permanent Disability (Natural causes)
Partial and Permanent Disability (Accidental causes)

  • Disability due to suicide, self-inflicted injuries or any attempt thereat, while sane or insane, or
  • Disability due to pre-existing conditions for which the Insured Member received medical treatment, diagnosis, consultation or prescribed drugs during the ninety (90) days preceding the effective date of coverage and if the disability begins within the first twelve (12) months after the Insured member’s effective date of Coverage.

Repatriation Benefit
No benefit shall be payable for:

  • Any expenses incurred for services and supplies provided by a mortician or undertaker, including but not limited to the cost of casket, embalming and/or cremation, or
  • Any expenses for the transportation of the Insured Member’s remain not approved and arranged by AIAS, or an authorised representative of AIAS.

Critical Illness

  • No benefit shall be payable if the Diagnosis of the Critical Illness of the Insured Member was caused directly or indirectly, wholly or partly, by Acquired Immune-Deficiency Syndrome (AIDS) or any Human Immunodeficiency Virus (HIV).

Terminal Illness

  • Attempted suicide while sane or insane and whether felonious or not, self-inflicted bodily injury, disorderly conduct on the part of the Insured Member, or upon the Insured Member deliberately exposing himself/herself to unnecessary danger, or
  • Acquired Immune Deficiency Syndrome (AIDS), or
  • The Insured Member having been engaged in hunting, mountaineering, aviation (except as a fare paying passenger on a commercial airline), naval, military or aeronautical service, or racing (other than foot racing) of any kind.

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the Master Policy Contract.

To find out more, call us now at our toll free number 1-800-22-9999 or visit any of our branches for more information!


This plan is underwritten by AIA Bhd. licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA Bhd. (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur

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