FLEXI-CHOICE  (for new and renewal members)

IHM PROGRAMME	HEALTHCARE INSURANCE PLAN (Individual/Family/Single Parent)	GMBIS       (Individual)
1)  Endah	100 or 120 or 150	1 LOT
2)  Executive	100 or 120 or 150  or 180 or 200 or 250 or 300  or 350	3 LOTS
3)  Millennium	ALL	5 LOTS
4)  Junior	AMH100, GLH CHILD, EV4-200	-
5)  Excellence Profile	100 or 120 or 150	5 LOTS

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

1)  CHOICE OF INSURANCE PLANS                                                                                                                       1a) IHM 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.                                                                                                                                                                      1b) 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
 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 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.