Employee well-being is vital to business performance. Offering reliable medical protection is not just a benefit—it’s an expectation. That’s where GHS insurance (Group Hospital and Surgical Insurance) plays a critical role. It ensures your team has access to necessary healthcare when they need it most, without the burden of high out-of-pocket costs.
In this article, we’ll explain what GHS insurance is, how it works, and why AmMetLife is a preferred provider for businesses seeking quality group health protection.
What Is GHS Insurance?

It provides medical cover for employees under a single group plan. It typically includes hospitalisation, surgery, and related medical expenses for both inpatient and selected outpatient treatments.
Quick Answer: GHS insurance offers group-based hospital and surgical coverage for employees, supporting their health and reducing the financial strain of medical care.
Unlike individual policies, GHS insurance simplifies administration and is often more cost-effective per employee. It also boosts employee satisfaction and retention—particularly when paired with other group benefits like life or personal accident insurance.
What Does a GHS Plan Usually Cover?
While coverage varies depending on the provider and plan, a typical policy includes:
- Hospital Room and Board
- Surgical Fees
- Anaesthetist and Operating Theatre Charges
- Inpatient Specialist Consultation
- Pre- and Post-Hospitalisation Treatment
- Daycare Procedures
- Emergency Services
Some plans can also be extended to cover maternity, dental, and outpatient benefits based on employer needs.
Why Choose AmMetLife for GHS Insurance?
As one of Malaysia’s leading insurers, AmMetLife offers flexible, reliable schemes tailored to businesses of all sizes. Our solutions are built to match your team’s healthcare needs while remaining cost-effective for your organisation.
When you choose GHS insurance with AmMetLife, you gain access to:
- Comprehensive Inpatient Cover: Including major surgeries, specialist fees, and hospitalisation costs.
- Customisable Benefits: Options to include dependents, maternity, and outpatient services.
- Nationwide Medical Panel Access: Employees can receive care at partner hospitals and clinics.
- Easy Claims and Administration: Simplified processes reduce HR workload and improve employee experience.
- Trusted Support: Backed by AmMetLife’s strong heritage in protection, retirement, and health solutions.
We work closely with employers to design plans that not only meet regulatory standards but also align with your company’s health and wellness strategy.
Conclusion: Empower Your Workforce with GHS Insurance
GHS insurance gives your employees peace of mind—and your business a competitive advantage. When staff know their health is protected, they’re more likely to stay engaged, loyal, and productive.
With AmMetLife’s trusted group medical solutions, you can build a stronger, healthier workforce. Explore the best options for your organisation today.

