(for new and renewal members)
Explanatory Notes (Refer to FLEXI-CHOICE table above)
OF INSURANCE PLANS
NEW MEMBERS are allowed to enrol into any
of the IHM Programmes and choose from the range of
insurance plans made llllllllllavailable
in that programme only.
IHM MEMBERS are allowed to choose any
Healthcare Insurance plan available in their current IHM
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
or 300 or 350.
2) UPGRADING OR DOWNGRADING OF
IHM HEALTHCARE MEMBERSHIP PROGRAMME
a) As our IHM
Membership Programmes (Endah
/ Excellence Profile/ Executive / Millennium) are
uniquely designed to
cater for aaamember's
various needs, members may opt to upgrade for enhanced benefits.
b) IHM members are
allowed to maintain or retain in their current programme.
c) IHM members are not
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