IHM Flexi-Choice Insurance Plans

Flexi-Choice (for new and renewal members)

IHM Programme	Healthcare Insurance Plans (Individual/Family/Single Parent)	GMBIS (Individual)
Endah	100 or 120 or 150	1 LOT
Executive	100 or 120 or 150 or 180 or 200 or 250 or 300 or 350	3 LOTS
Millennium	ALL	5 LOTS
Junior	AMH100, GLH CHILD, EV4-200	-
Execellence Profile	100 or 120 or 150	5 LOTS

Explanatory Notes (Refer to FLEXI-CHOICE table above) :-

1) CHOICE OF INSURANCE PLANS

IHM NEW MEMBERS are allowed to enrol into any of the IHM Programmes and choose from the range of insurance plans made available in that programme only.
EXISTING IHM MEMBERS are allowed to choose any Healthcare Insurance plan available in their current IHM Programme.

Eg. A member currently enrolled in IHM Executive Programme can choose an H&S plan with R+B - 100 or 120 or 150 or 180 or 200 or 250 a or 300 or 350.

2) UPGRADING OR DOWNGRADING OF IHM HEALTHCARE MEMBERSHIP PROGRAMME

As our IHM Membership Programmes (Endah / Excellence Profile/ Executive / Millennium) are uniquely designed to cater for a member's various needs, members may opt to upgrade for enhanced benefits.
IHM members are allowed to maintain or retain in their current programme.
IHM members are not allowed to downgrade or upgrade their current programme. Howerver, they are ONLY alllowed to downgrade their a insurance plan as clearly shown in the Flexi-Choice table.

Eg. If an existing member enrolled in IHM Executive Progamme chooses Healthcare Insurance Plan of R+B -120, he/she is not allowed to 1 downgrade to IHM Endah Programme but to maintain his/her IHM Executive Programme.