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GUM App : Employee Benefits Platform

An all-in-one platform with customized benefits for your employees

Key Features

1

Group insurance at a glance

• View the Group Medical coverage and details in the app – similar to their group medical E-Card • Able to download Schedule of Benefits (SOB) and the actual table on the app • No more digging through emails/ HR portal/ different insurer app

2

Top-up plans for employees

• All available top-up options for employees will be shown in the app • They can choose to upgrade their protection in just a few steps

3

Employer subsidy for reimbursement

• The employer subsidy offer can be shown in the app • The discount/ fixed amount can be changed based on company offering backend • Employee can directly redeem their offer in the app

4

One-to-one support

• Able to schedule the private consultation session with our experts • Personalize service to follow up on their policy details and product introduction, etc.

5

Wellness activities booking

• Employers can put their wellness activities to the platform • Employees will receive an instant notification and make the reservation in the app • They can also add the registered event to their mobile calendar

6

Wellness tips library

• Employees can watch our event replays and additional resources on wellness

Additional Medical Protection for Employees

With GUM: Employee Benefits Platform, employees can not only view their existing group insurance policies and benefit coverage within the app, but they can also enhance their protection by purchasing Top-Up plans. But what are the reasons for offering Top-Up options?

Aging population

Higher utilization of healthcare services

Pressure on Public Healthcare (i.e. longer waiting hours)

Underinsurance for Private Medical and rely on Public healthcare

Inflation in medical cost in both Public and Private sector (heavy demand in healthcare service)

Employers

1. Employees rely on Group Medical

2. Increase burden in providing medical coverage

3. May reduce/ cease the medical coverage

Employees

1. Fewer/ lack of Group Medical protection

2. Too old to be eligible for affordable medical insurance?

The top-up and individual medical insurance can help improve this vicious cycle.

Benefits of promoting top-up options in Group Medical

The cost of medical expenses is rising rapidly, placing a significant burden on employers and making budgeting increasingly challenging for HR. By shifting some of this responsibility to employees, employers can alleviate the burden while also offering extra protection to employees, even after they leave their current jobs. Additionally, there are benefits for both employers and employees, as illustrated below! Extra Protection that Your Employees Need-Benefits of promoting top-up options in Group Medical

Benefit 1

Easier employee access to additional coverage

Benefit 2

Enhanced coverage flexibility based on their needs

Benefit 3

Claims work in tandem with group medical plan

Benefit 4

Enjoy the benefits of top-up plans (VS purchasing Medical insurance on their own)

No underwriting is required

Cover pre-existing conditions that are covered in group

Worldwide cover

*The benefits mentioned above are subject to the terms and conditions of the policy.

Supports on Launching Wellness Activities

Are you struggling with low registration levels and inefficient administrative processes for wellness activities? We’re here to help!

1

Comprehensive Coverage

• Focus on employees' physical, mental, and financial wellness

2

Customized Activity List

• Tailored wellness activities specific to your company’s needs

3

Real-Time Registration

• Employees can register for events instantly, with automatic limits set by HR. Registration will close once capacity is reached

4

Instant Notifications

• Employees receive immediate mobile pop-up alerts for new events

5

Event Reminders

• Automated email reminders for upcoming events

6

Calendar Integration

• Easily add events to their calendars to block off their schedules

Upcoming Features

E-option Platform & E-form of GUM

Easily communicate between GUM and employees of their preferred MPF Scheme options and collected information is shared with the respective company for processing

Simplify MPF Scheme selection with our e-submission.

GUM follows up on the enrollment status by cross-referencing e-option records to ensure accuracy and avoids discrepancies in MPF Scheme enrollment.

Don't Wait. Act Now!

Talk to us for more details of GUM App : Employee Benefits Platform

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