Hifumi Malaysia, a leading provider of employee benefits solutions, is excited to announce the launch of its Employee Medical Benefits Top-Up Program. This program comes as a response to the complex challenges faced by both employers
and employees in the realm of healthcare coverage.
Challenges Faced by Employers:
- Premium Loading: Employers encounter difficulties with premium loading due to a high claim rate within their groups, leading to escalated costs in managing employee healthcare benefits.
- Exceeding Annual Limits: Employee medical bills often surpass the annual limit set by existing medical benefits, straining the employer financial resources.
- Rising Healthcare Costs:
The continuous rise in healthcare costs adds to the financial burden of providing comprehensive medical benefits to employees.
Challenges Faced by Employees:
- Limited Coverage: Existing employee medical benefits typically cover only minor surgeries, leaving employees vulnerable to financial risks associated with long-term medication and treatments.
- Post-Retirement Coverage Gap: Employees face a lack of medical insurance coverage after retirement, creating uncertainty and financial strain during this crucial phase of life.
In addressing these challenges, Hifumi Malaysia is committed to working closely with Corporate Human Resource departments and Small and Medium Enterprises (SMEs) to provide tailored solutions that meet the unique needs of each organization. The Employee
Medical Benefits Top-Up Program aims to enhance the existing healthcare coverage for employees, ensuring comprehensive protection against rising medical costs and post-retirement uncertainties.
About Hifumi Malaysia:
We started humbly in Malaysia as where our Founder from, and now we are expanding to Asia. Hifumi is committed to serve our clients in
all spectrums of industries.
For over 20 years, our experienced advisors work closely with the clients to better provide them solutions in navigating the business risk, assessing their credit readiness and optimizing their value for growth.
Our agile and empowered structure makes the team speed in responding our clients. We can be completely client-focused because those who are closest to our clients make the decisions.
For more information about Hifumi, please visit our website at https://www.hifumi.com.my/
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