SIME DARBY

VP I Handbook

This document and information contained herein are property of the Sime
Darby Group, and is to be used within the Group only. No part of it may be
circulated, quoted or distributed to any person or agency without the prior Sime Darby VP I Handbook w.e.f.1 April 2015
permission from Sime Darby Holdings Bhd. It must be returned upon
cessation of employment / service with the Group or upon request by the
Group.
 a very warm welcome to the
sime darby family
we at sime darby value our human capital,
and we take the time and effort to choose
people who will not only be creative,
diligent and passionate about what they
do, but who also perform them with great
care, ethics and good values. you are the
future of this organisation, and it is my
 welcome sincere hope that you will join us in
steering it to greater heights. i look forward
to seeing you around.

Tan Sri Dato’ Seri Mohd Bakke Salleh

President and Group Chief Executive
Sime Darby Group

Sime Darby VP I Handbook w.e.f.1 April 2015 2

 …you would read about our working
hours, annual leave, medical benefits, etc.
and have a view of our benefits in a
glance.

our benefits comprise 2 parts, flexible

benefits (“FlexBen”) and non-flexible
benefits.
employer’s benefit
 in the following dollars FlexCredits

pages… NonFlex Benefits

when you see this, , you would

know that the benefit is a flexible benefit
item. you may refer to the FlexBen section
of this handbook to learn more.

Sime Darby VP I Handbook w.e.f.1 April 2015 3

 terms & conditions

Sime Darby VP I Handbook w.e.f.1 April 2015

 working hours
our working hours are from 8.30am to 5.30pm and we
break for lunch from 12.30pm – 1.30pm. male Muslims
attending Friday prayers may break from 12.30pm –
2.30pm.
* operating units may define the working and lunch hours if
different from above
 probation & confirmation
all newly recruited employees shall serve a probationary
period of 6 months, unless otherwise stipulated. your
probationary period may be extended for a period of 3
months at the absolute discretion of the Company. in the
event of any extension, you will be notified in writing.
upon completion of your probationary period or any
extended period, you shall be informed in writing of your
confirmation in employment or termination. in the absence
of such notification in writing, you shall be deemed to be a
probationer until informed otherwise in writing.
Sime Darby VP I Handbook w.e.f.1 April 2015
 termination of service
during the probationary period or any extended period, your
services may be terminated by either party giving to the
other 1 month prior notice in writing or salary in lieu of
notice.
upon confirmation, your services may be terminated by
either party giving to the other 3 months prior notice in
writing or salary in lieu of notice.
the company reserves the right to terminate your services
without notice or salary in lieu of notice in the event of any
breach of your express or implied terms and conditions of
service.
 transfer, secondment &
assignment
at any time during the fixed term, the company may, at its
absolute discretion:
- transfer, second or assign you to any project, section,
unit, department, division, branch or company within Sime
Darby Group (including the holding company, subsidiaries,
associated, related and affiliated companies, whether
present or formed, incorporated or acquired in the future
(“the Group”) or to any other company where the Group has
an interest, in any location within or outside Malaysia; and
- assign or re-designate you to a different job
category/designation and scope of responsibilities or assign
further or additional duties, as deemed necessary, within
any project, section, unit, department, division, branch or
company within the Group or to any company where the
Group has an interest, in any location within or outside
Malaysia.
 group policies & authorities and
code of business conduct
all employees are required to adhere and comply to the
prevailing group policies & authorities, code of business
conduct and other relevant policies and procedures of Sime
Darby Group.
 retirement age
the Group adopts the statutory minimum retirement age of
60 as the official retirement age for Malaysian employees.
however for employees employed on fixed term contracts
of service, there is no agreement, express or implied
between parties, for long-term employment beyond the
fixed term period of employment stated in the fixed term
contract.

you shall be governed by the terms and conditions of

employment applicable in the company you are transferred,
seconded, re-designated or assigned to, which shall be on
no less favourable terms.

Sime Darby VP I Handbook w.e.f.1 April 2015

 it is important that you take time off to rest
 leave and rejuvenate, celebrate or reflect…

Sime Darby VP I Handbook w.e.f.1 April 2015 7

  public holiday
we will observe all public holidays gazetted by the
respective Federal / State Government.
 sick leave
you will be eligible for 22 calendar days of sick leave,
no replacements will be given in case a public holiday upon certification by a registered medical practitioner or
falls on a non-working saturday. medical officer, which may be extended to 60 calendar
a public holiday that falls on a sunday will be replaced days per annum if hospitalization is required.
with the following monday (or otherwise, as advised by
Management).

 annual leave  prolonged illness

upon confirmation, in case of prolonged illness resulting
from each Jan – Dec, you will be entitled to annual
leave based on the number of working days, as follows: from tuberculosis, cancer, poliomyelitis, leukemia,
5-day week: 22 days leprosy, cerebral thrombosis or any other disease which
Alternate ½ saturday: 24 days certified by a registered medical practitioner or medical
5 ½ or 6-day week: 26 days officer and upon exhaustion of sick / hospitalization
leave, the following will apply:
annual leave is to be utilized within the same calendar
year. all unutilised leave will be forfeited at the end of
the calendar year. under unavoidable circumstances, 1st 6 calendar months* : full basic salary
you may carry forward up to 5 days of annual leave per 2nd 6 calendar months* : half basic salary
annum, subject to Management’s approval. these must
be utilised within the first quarter of the following 3rd 6 calendar months* : no pay
calendar year. subsequently: medically board out
subject to Management’s approval, you may carry
forward 5 days per annum, up to 15 days over 3 years
for special circumstances (eg: performing pilgrimage). if * or up to end of contract period, whichever earlier
the carry forward leave are not used for approved
purpose, leave will be forfeited.

annual leave is a FlexBen item. refer to the FlexBen

section for details.

Sime Darby VP I Handbook w.e.f.1 April 2015

 paternity leave
male employees will be entitled to 3 calendar days of
paternity leave, up to 5 surviving children. this entitlement
is for birth of employee’s first legal wife’s children.
 marriage leave
employees will be entitled to 3 working days of marriage
leave, for the first legal marriage.
 compassionate leave
employees will be eligible for the following:
death of immediate family*:
3 calendar days per incident
hospitalisation of immediate family*:
2 calendar days per incident
natural disaster (adverse impact on employee):
2 calendar days per incident
*Immediate family: spouse, child(ren), parents, siblings,
grand-parents, parents-in-law
paternity leave, marriage leave and compassionate leave
is capped at 10 working days per annum.
Sime Darby VP I Handbook w.e.f.1 April 2015
 maternity leave
female employees will be entitled to 60 consecutive days
of paid maternity leave, up to 5 surviving children.
 study leave
employees may be granted study leave for first sitting of
examination on case-to-case basis, subject to Company
approved courses, Management’s approval.
 exam leave
employees may be granted exam leave for first sitting of
examination on actual exam day(s) only, for job related
courses, subject to Management’s approval. no
replacement if exam falls on non-working days.
 haj leave
haj leave is guided by prevailing haj leave policy
please refer to your Operating Unit / Division HR for
more details on haj leave.
 about your wellbeing

Sime Darby VP I Handbook w.e.f.1 April 2015 10

  Medical** (outpatient, dental, - outpatient includes GP and specialist.
optical & maternity) - dental includes extraction, filling (of non-precious
your dependents* and you are entitled to outpatient, metal / non-metal), scaling, root canal treatment,
dental,optical & maternity benefits, as follows: bridging, dentures, crowning & orthodontics. Bridging,
dentures, crowning & orthodontics is subject to a total of
employee only: RM10,000 per annum RM1,500 per person per annum.
or employee & spouse*: RM14,000 per annum
- optical is subject to RM400 per person per annum for
or employee & children*: RM14,000 per annum corrective spectacles and contact lenses only.
or employee & family*: RM20,000 per annum - maternity includes expenses incurred during delivery
up to 5th surviving child subject to a total of RM2,500
*dependents / family: first legal spouse and children
per annum
under age 19 years or up to age 24 years if undergoing
full-time education (for pre-university, diploma, - entitlements are based on calendar year (Jan – Dec)
professional/technical certification, up to first degree - the Company reserves the right to revise, retract or
only) amend any terms, conditions and/or benefits from time
to time, as deemed necessary. such amendments shall
be made known in writing by Group Human Resource
for inclusion in this handbook.

• outpatient, dental, optical & maternity is a FlexBen item. you may refer to the FlexBen section for details.
• claims for medical expenses must be supported with original receipts.
** please refer to medical/hospitalisation exclusion list in appendix
• the Company shall not bear any additional cost above and beyond your entitlement

Sime Darby VP I Handbook w.e.f.1 April 2015 11

 your dependents* and you are entitled to hospitalisation
benefit, as follows:
room & board : RM300 per day
annual limit***: RM50,000 per person per annum

*** Limit includes (but not limited to) room & board,
consultation fees, medication, surgery expenses.

*dependents / family: first legal spouse and children

under age 19 years or up to age 24 years if undergoing
full-time education (for pre-university, diploma,
professional/technical certification, up to first degree
only)
 hospitalisation** - entitlements are based on calendar year (Jan – Dec)
- maternity (delivery) related hospitalisation shall be
claimed under Medical (outpatient, dental, optical &
maternity)

hospitalisation is a FlexBen item. refer to the FlexBen

section for details.

• Claims for hospitalisation expenses must be supported with original receipts.

** please refer to medical / hospitalisation exclusion list in appendix I
• The Company shall not bear any additional cost above and beyond your entitlement

Sime Darby VP I Handbook w.e.f.1 April 2015 12

  health screening
upon confirmation, you are entitled to health screening,
as follows:
age 40 & above: annually
below 40: once in 2 years
- health screening packages pre-determined by the
Company will be conducted in Sime Darby Medical
Centre (SDMC) or any other appointed medical provider
for operations outside of Klang Valley
- you may top-up separately if you would like to include
any additional tests, not claimable under medical
outpatient but claimable under FSA if there are balance
FSA credits
- you may claim for additional consultation / follow-up
within your outpatient limits
- entitlements are based on calendar year (Jan – Dec)
 supplementary retirement plan
upon confirmation, the Company will contribute an
additional 4% to your statutory Employee’s Provident
Fund, provided that the maximum contribution by the
Company to your statutory EPF will not exceed 16%.
Sime Darby VP I Handbook w.e.f.1 April 2015
 group term life
you shall be covered under group term life scheme
equivalent to 48 x monthly basic salary, subject to the
free cover limit (FCL) of RM2,000,000. The FCL is
subject to change from time to time.
sum assured above the FCL will require you to complete
the requisite medical check-up(s) within 2 weeks from
receipt of GL from HR. pending the completion of the
required medical check-up(s) and underwriting
acceptance by the insurer, you will be covered up to the
FCL only or the last accepted sum assured, which will be
communicated to you in writing.
riders included in the group term life coverage are total
permanent disability and partial permanent disability,
subject to underwriting acceptance by the insurer.
group term life is a FlexBen item. refer to the FlexBen
section for details.
 group personal accident
 group critical illness
you may opt to purchase additional coverage for group
personal accident and group critical illness at preferential
group rates. refer to the FlexBen section for details.
13
 everything nice

Sime Darby VP I Handbook w.e.f.1 April 2015 14

  car
you will be entitled to the senior management car
scheme to be agreed with the Company.
* the terms and conditions of this benefits is as per
scheduled in the Sime Darby Group Senior
Management Car Scheme Policy
 education assistance
upon confirmation, you may apply for education
assistance before commencement of course, approval
is subject to Management discretion. upon successful
completion of the approved course, you may be
reimbursed with tuition fees, exam fees and books
required by the education institution:
- 75% for certificate / diploma / under-graduate / post-
graduate
- 100% for relevant & approved professional exams
- service bond applies, depending on nature of course /
training and cost.
Sime Darby VP I Handbook w.e.f.1 April 2015
 housing loan interest subsidy (hlis)
upon confirmation and after 2 years of service, subject to
the terms and conditions stipulated in the HLIS Policy, you
will be eligible and may apply for housing loan interest
subsidy for the purchase of a house for own dwelling
during the tenure of your contract. terms and conditions
include but not limited to the following:
a) frequency
- maximum of 3 times in a lifetime, at least 5 years apart,
throughout the entire service with the Group, provided the
existing loan is fully paid
b) interest subsidy
- half (50%) of the actual interest rate charged by the
Financier, subject to an annual maximum interest subsidy
of 6% (loan must be financed by a licensed Financial
Institution)
c) loan amount
- up to RM450,000 (monthly repayment must not exceed
35% of salary)
d) maximum reimbursement period
- 20 years or up to age 60 years or end of contract period,
whichever earlier
e) co-owner of the property (if any)
- spouse or children or parents or siblings
f) citizenship
- the applicant must be a Malaysian citizen or a Malaysian
permanent resident residing in Malaysia
interest subsidy can be claimed in January (for Jan/July –
Dec of previous year) and July (for Jan – June of current
year) in each year.
15
  mobile phone  condolence token
you will be provided with the following for business calls a condolence token of RM2,000 will be offered in case of
and emails: death of employee, his/her spouse or child(ren).
- a mobile phone OR reimbursement for the purchase
of a mobile phone subject to eligibility limit
- a phone line subscription and monthly expenses up to
eligibility limit

this benefit is guided by the prevailing Sime Darby

Group Mobile Phone Policy and Sime Darby Group
Enterprise Mobility Policy.

professional affiliation /
membership
you may apply for reimbursement of subscription fees
for one (1) professional affiliation / membership, or max
of two (2) if the additional membership is deemed
necessary to carry out your duties. applications will be
considered on a case-to-case basis, subject to
relevance to job and Management approval.

Sime Darby VP I Handbook w.e.f.1 April 2015 16

 business travel

Sime Darby VP I Handbook w.e.f.1 April 2015 17

  class of flight  warm clothings
when travelling on business, you are eligible for the if you are required by the Company to travel to temperate
following class of flight: country(s), you may claim RM850 in aggregate every 3
domestic: business class years with actual receipt for warm clothings.
international: business class
you are required to book for a lower class flight in the
event if the class you are eligible for is unavailable
 laundry
if you are required by the Company to travel for more
than 2 nights, you may claim for laundry with actual
receipt.
 meals
if meals are not provided for (by hotel / client / Company  passport fees
etc.), you may claim for actual amounts with receipt. passport fees (new / renewal) may be reimbursed on
case-to-case basis.

 accommodation
accommodation will be arranged for you at Company
designated hotels. you may claim for actual amounts
with receipt.

business travel is guided by prevailing business travel

policy.
please refer to your Operating Unit / Division HR for
more details on business travel.

Sime Darby VP I Handbook w.e.f.1 April 2015 18

 flexible benefits

Sime Darby VP I Handbook w.e.f.1 April 2015 19

  an intro to “FlexBen”
a FlexBen program is a benefits delivery system that
allows you to make choices on how you prefer to
receive some of the benefit items the Company invests
for you. FlexBen allows for you to plan for and manage
your benefits to best meet your needs and the needs of
your family.
Employer Employee
Determines financial Chooses options that
commitment to benefits best meet needs
(ie. employer’s benefit
dollars) & offers choices
 why is FlexBen suitable for us?
 the demographics of our Executives are very diverse
and have differing needs. FlexBen enables a
benefits program that meets diverse employee
needs.
 FlexBen is an empowerment tool – Executives will
have choices and they may choose benefit
programs that best meets their needs at different
stages of life.
 FlexBen enables optimization of Company’s
expenditure on benefits, to deliver benefits that are
most needed and valued by you.
Sime Darby VP I Handbook w.e.f.1 April 2015
 who is eligible?
you are eligible for FlexBen if you are an Executive on
fixed-term contract or permanent employment.
where applicable, your dependents who are eligible
include:
 first legal spouse
 children below age 19 years or up to 24 years old if
undergoing full-time education (for pre-university,
diploma, professional/technical certification, up to first
degree only)
upon joining, new employees will receive the default
coverage. new employees will receive benefits based on
their FlexBen selection, from the first day of the following
month from date of enrolment / selection. enrolment /
selection must be completed within 2 weeks from date
joined.
in year 1, employees who do not enroll within the
enrolment period will be given the default coverage.
in subsequent years, employees who do not enroll or
make changes within the enrolment period will be given
the coverage as per the previous year.
20
  how FlexBen works
with FlexBen, you have the opportunity to design a package of benefits to suit your needs and that of your family. it
is designed to offer a wider selection of benefits.

employer’s benefit
FlexCredits
dollars

outpatient,
hospitalisation
dental & optical
NonFlex Benefits
group term personal group critical
annual leave
other leaves life accident illness

loans
Unspent Credits
retirement

perquisites Flexible Spending Account

remember the employers’ benefit dollars? when employers embark on FlexBen, a certain amount of these benefit
dollars are converted into FlexCredits. With the FlexCredits that are allocated to you, you have the option of
determining which and how much of the available benefit options you need or want. there are six benefits options
currently available, namely: outpatient, dental & optical, hospitalisation, group term life, group personal accident ,
group critical illness and annual leave.

a ‘default’ for each of the benefit categories have been pre-determined for you depending on your marital / family
status. when making selections, you may choose more or less than your default. default selection will also be your
entitlement in the event you do not make any changes during the enrolment period.

Sime Darby VP I Handbook w.e.f.1 April 2015 21

  how FlexBen works (cont.)
you will need to have minimum coverage for outpatient, dental & optical, hospitalisation and group term life, to
ensure that your family and you will have some protection / coverage in the unfortunate event of illness, disability or
death.
group personal accident and group critical illness are optional benefits. you can select to have these coverage if
you have unspent credits. you may buy annual leave if you have balance unspent credits or sell annual leave to
obtain more credits.
after making all your selection, Unspent Credits will flow to a Flexible Spending Account (“FSA”). you may claim for
various items from the FSA.
you will continue to receive the Non-Flex Benefits that are outside the FlexBen Program.

how are my FlexCredits allocated?

FlexCredits are allocated based on the ‘price’ of your default benefits. the price of your default benefits are
determined, where applicable, on your monthly base salary, job grade, age and/or gender, eligible dependents, etc.
* therefore, it is important that you ensure your personal information is updated before enrolment. inform your HR for
updation and provide supporting documentation (eg: marriage certificate, birth certificate, etc.)

when is the enrolment period? when will the enrolment be effective?

for existing employees, enrolment period will be from Nov – mid Dec, for the next plan year beginning Jan – Dec (eg:
enrolment period from Nov – mid Dec 10, for plan year Jan – Dec 11). all new hires who join in Nov & Dec will be
covered with default coverage until the end of the calendar year, enrolment period will be provided for these
employees to select for the next plan year. enrolment form & insurance heath declaration form(s) if applicable have to
be submitted within 7 calendar days from enrolment date.

can I change my selections?

after the close of the enrolment period, you may change your selections only in case of a ‘life change event’ including
promotion, demotion, change in marital status, change in family status (eg: married with no children to married with
child(ren), change in no. of (eligible) children); if Critical Illness plan has been selected during the enrolment period
for the plan year, no change can be made for Critical Illness plan for the remaining coverage period within the same
plan year. annual leave buying and selling option is only available during yearly enrolment period in Nov-Dec for the
following plan year.

Sime Darby VP I Handbook w.e.f.1 April 2015 22

 flex options…
medical

Sime Darby VP I Handbook w.e.f.1 April 2015 23

  medical option provides coverage for outpatient, dental & optical
you may select coverage for:

Employee (E) Employee + Spouse (E+S) Employee + Children (E+C) Employee + Family (E+F)

you may select coverage that is appropriate for your needs from 3 plan options:

Basic Comprehensive Deluxe*

full reimbursement up to full reimbursement up to full reimbursement up to

 RM1,200 for E only  RM4,000 for E only  RM10,000 for E only
 RM2,000 for E+S  RM6,000 for E+S  RM14,000 for E+S
 RM2,000 for E+C  RM6,000 for E+C  RM14,000 for E+C
 RM3,000 for E+F  RM8,000 for E+F  RM20,000 for E+F

this plan excludes maternity coverage
and bridging, dentures, crowning &
orthodontics.
medical claims in excess of the limits
can be claimed from the FSA.
this plan excludes maternity coverage this plan includes maternity coverage.
and bridging, dentures, crowning &
orthodontics. medical claims in excess of the limits
can be claimed from the FSA.
medical claims in excess of the limits
can be claimed from the FSA.

* Default Plan
Sime Darby VP I Handbook w.e.f.1 April 2015 24
 medical option provides coverage for outpatient, dental & optical
 outpatient includes GP and specialist.
Before you decide,
 dental includes extraction, filling (of non-precious consider these…
metal/ non metal), scaling, root canal treatment, Do you & your family
bridging, dentures, crowning & orthodontics. live a healthy
Bridging, dentures, crowning & orthodontics is lifestyle?
subject to a total of RM1,500 per person per annum.
What’s the average
 optical is subject to RM400 per person per annum spend on medical
for corrective spectacles and contact lenses only. expenses?
 maternity includes expenses incurred during delivery
up to 5th surviving child subject to a total of RM2,500 Do you have other
per annum coverage (eg:
spouse’s employer)?
 entitlements are based on calendar year (Jan – Dec)
 the Company reserves the right to revise, retract or
amend any terms, conditions and/or benefits from
time to time, as deemed necessary. such
amendments shall be made known in writing by
Group Human Resource for inclusion in this
handbook.

Sime Darby VP I Handbook w.e.f.1 April 2015 25

  flex options…
hospitalisation

Sime Darby VP I Handbook w.e.f.1 April 2015 26

  hospitalisation

you may select coverage for:

Employee (E) Employee + Spouse (E+S) Employee + Children (E+C) Employee + Family (E+F)

as a VP I, you may select coverage that is appropriate for your needs from 3 plan options:

Basic Comprehensive* Deluxe

 room & board: up to RM220 per day  room & board: up to RM300 per day  room & board: up to RM450 per day

 limit**: up to RM20,000 per person  limit**: up to RM50,000 per person  limit**: up to RM100,000 per person
per annum per annum per annum

** Limit includes (but not limited to) room & board, consultation fees, medication, surgery expenses.

Before you decide, consider these…

In the event of hospitalisation, what class of ward would you / your family prefer?

Do you have other coverage (eg: spouse’s employer, personal insurance)?

* Default Plan
Sime Darby VP I Handbook w.e.f.1 April 2015 27
 flex options…
group term life
assurance (GTLA)

Sime Darby VP I Handbook w.e.f.1 April 2015 28

  GTLA provides your family with some financial protection in the
unfortunate event of death
GTLA pays a lump sum benefit to the beneficiary(s) in case of death of the assured. Before you decide,
consider these…
In the event of death, how
you may select coverage for: much would ensure
financial security for your
Employee (E) Spouse (S) family?

you may select coverage that is appropriate for your / your spouse’s needs: Are you the sole
breadwinner in your family?
GTLA for employee GTLA for spouse Do you have other personal
insurance and/or accident
coverage?
 24 x Monthly Basic Salary  no cover*
Do your lifestyle choices
 36 x Monthly Basic Salary  RM25,000 mean you would need less
 48 x Monthly Basic Salary*  RM50,000 or more coverage?

 60 x Monthly Basic Salary  RM75,000 Do you want to obtain more

coverage at group premium
 RM100,000 rates?
* Default Plan
 the free cover limit (FCL) is RM2,000,000, which is subject to change from time to time. sum assured above the FCL
will require you to complete the requisite medical check-up(s) within 2 weeks from receipt of GL from HR. pending
the completion of the required medical check-up(s) and underwriting acceptance by the insurer, you will be covered
up to the FCL only or the last accepted sum assured, which will be communicated to you in writing.
 your spouse would need GTLA if you intend to purchase GPA and/or GCI for him/her. his/her GTLA sum insured
may not exceed your sum insured.

Sime Darby VP I Handbook w.e.f.1 April 2015 29

 flex options…
group personal accident
(GPA)

Sime Darby VP I Handbook w.e.f.1 April 2015 30

 GPA is a benefit that pays in the unfortunate event of death or
dismemberment caused by accident
GPA pays a benefit depending on the extent of dismemberment, and provides a 24 hour coverage.

you may select coverage for:

Before you decide,
Employee (E) Spouse (S) consider these…
In case of a serious
you may select coverage that is appropriate for your / your spouse’s needs : accident, how much
would your family be
impacted financially?
GPA for employee GPA for spouse
Do you have other
personal accident
 no cover*  no cover* coverage?
 12 x Monthly Basic Salary  RM25,000 Do you want to obtain
 24 x Monthly Basic Salary  RM50,000 more coverage at
group premium rates?
 36 x Monthly Basic Salary  RM75,000
 48 x Monthly Basic Salary  RM100,000

* Default Plan

 this coverage is payable in addition to any benefit payable under the GTLA plan, where applicable.
 your GPA coverage may exceed your GTLA coverage.
 your spouse would need GTLA if you intend to purchase GPA for him/her. his/her GPA sum insured may not
exceed your sum insured.

Sime Darby VP I Handbook w.e.f.1 April 2015 31

 flex options…
group critical illness
(GCI)

Sime Darby VP I Handbook w.e.f.1 April 2015 32

 GCI is a benefit that pays upon confirmed diagnosis of one of the 36
critical illness covered
This lump sum payment will be useful to reduce burden of additional expenses in such times.

you may select coverage for: Before you decide,

consider these…
Employee (E) Spouse (S) In case you/your
spouse falls seriously
ill, how much would
you may select coverage that is appropriate for your / your spouse’s needs : your family be
impacted financially?
GCI for employee GCI for spouse Do you have adequate
savings / investments /
other insurance
 no cover*  no cover* coverage that you may
use in case of a critical
 RM25,000  RM25,000 illness?
 RM50,000  RM50,000
Do you feel you may
 RM75,000  RM75,000 be at risk? Would you
like to have this
 RM100,000  RM100,000 coverage while you are
healthy?
* Default Plan
 your GCI coverage may not exceed your GTLA coverage.
 your spouse would need GTLA if you intend to purchase GCI for him/her. his/her GCI sum insured may not exceed
your sum insured.
 you are responsible to fill up the declaration form(s) if GCI are selected, either for self only or including spouse, and
submit the form(s) to HR. For each insured person, one declaration form has to be completed. pending declaration
and acceptance by insurer, you and/or spouse will not be covered for the plan(s) selected. the declaration form(s)
must be submitted to HR within 7 calendar days.

Sime Darby VP I Handbook w.e.f.1 April 2015 33

  critical illnesses covered under GCI include:

1. Stroke 13. Loss of Hearing/Deafness 25. Poliomyelitis

2. Heart Attack 14. Major Burns 26. Aplastic Anaemia
3. Kidney Failure 15. Aids due to Blood 27. Motor Neurone Disease
4. Cancer Transfusion 28. Parkinson's Disease
5. Coronary Artery Disease Requiring 16. Chronic Lung Disease 29. Alzeimer's Disease/Irrversible
Surgery 17. Encephalitis Organic Degenerative Brain
6. Angioplasty and other invasive 18. Major Organ Transplant Disorders
treatments for coronary artery 19. Loss Of Speech 30. Muscular Dystrophy
disease 20. Brain Surgery 31. Surgery To Aorta
7. Chronic Liver Disease 21. Heart Valve Replacement 32. Multiple Sclerosis
8. Fulminant Viral Hepatitis 22. Terminal Illness 33. Primary Pulmonary Arterial
9. Coma 23. Bacterial Meningitis Hypertension
10. Benign Brain Tumor 24. Major Head Trauma 34. Medullary Cyctic Disease
11. Paralysis/Paraplegia 35. Cardiomyopathy
12. Blindness 36. Systemic Lupus Erythematosus

Sime Darby VP I Handbook w.e.f.1 April 2015 34

 flex options…
annual leave

Sime Darby VP I Handbook w.e.f.1 April 2015 35

 annual leave – buy additional or sell paid annual leave according to
your needs
you may buy additional annual leave or sell annual leave.
Before you decide,
you may select coverage for: consider these…
Do you always have
Employee (E) leave carry forward
because of busy
you may select option that is appropriate for your needs : workload?

annual leave for employee Is there lack of annual

leave for you to spend
quality time with your
family?
 buy 3 days
 buy 2 days
 buy 1 day
 no change *
 sell 1 day
 sell 2 days
 sell 3 days
* Default Plan
 annual leave buying and selling option is only available during yearly enrolment period in Nov-Dec for the following
plan year
buying leave will add to your total annual leave for the following plan year leave entitlement while selling leave will
deduct off your total annual leave from the following plan year leave entitlement.

Sime Darby VP I Handbook w.e.f.1 April 2015 36

 flexible spending
account (FSA)

Sime Darby VP I Handbook w.e.f.1 April 2015 37

 FSA

after making all your selection, Unspent Credits will flow to a Flexible Spending Account (“FSA”). you may claim
and be reimbursed for various items from the FSA, including GST charges.

if you have selected all default plans, the following should be the balance in the FSA:

FSA Balance Age <=50 Age 51 - 55 Age >=56

Category Default Plan Default Plan Default Plan

E 165 165 + 567* 165 + 1,121*

E+S 0 567* 1,121*

E+C 0 567* 1,121*

E+F 0 567* 1,121*

*applicable only for existing employees who joined the Company before 1 January 2014 and falls into this
category within 2014.

1 credit = RM1
FSA Credits may be revised at the sole discretion of the Company.
GST means Goods and Services Tax introduced in Malaysia w.e.f. 1 April 2015

Sime Darby VP I Handbook w.e.f.1 April 2015 38

  FSA list

Receipt Type (in

No. In the FSA, employee may claim (with receipts) for the following:
portal)
1 NT-Excess Med Exp Excess Medical Expenses
Medical expenses (outpatient, specialist, hospitalization) in excess of limit in medical plan selected incurred by
employee and/or eligible dependents*.

2 NT-Excess Dental Exp Excess Dental Expenses

Dental expenses (extraction, scaling, filling) in excess of limit in medical plan incurred by employee and/or eligible
dependents*.

3 NT-Health Screening Health Screening

Health screening / excess health screening incurred by employee and/or eligible dependents* (at Sime Darby
Healthcare Group company/ies).
4 NT-Maternity Exp Maternity Expenses
Maternity expenses (pre, post) incurred by female employee or eligible spouse*.

5 NT-Health Supplement Purchase of Health Supplements from pharmacies

Purchase of health supplements (prescribed by a registered medical practitioner** for the employee and/or eligible
dependents*) from a pharmacy. Please attach a copy of the prescription with receipt when making a claim.

6 NT-Medical Eqpt/Dev Purchase of Medical Equipment / Devices

Purchase of medical equipment/ devices (recommended by a registered medical practitioner** for the employee
and/or eligible dependents*). Documentation to substantiate that expenses incurred are part of medical treatment
is compulsory.
7 NT-Optical Exp Vision Care or Optical Expenses
Vision care or Optical expenses incurred for corrective spectacles or contact lenses in excess of limit in medical plan
incurred by employee and/or eligible dependents*.

8 NT-Parent Med Exp Medical Expenses for Parents of Employees

Medical expenses (outpatient, specialist, hospitalization) incurred by employee's parents. Parents' details /
documentation must be provided to HR prior to making any claims.

9 NT-Chinese Physician Consultations at Chinese physicians

Medical expenses incurred by employee and/or eligible dependents* from consultation with/medicine prescribed by
a Chinese physician who is a registered medical practitioner**.

Sime Darby VP I Handbook w.e.f.1 April 2015 39

  FSA list
10 NT-Child day-care Child day-care expenses
Child daycare expenses incurred by employee's eligible children* provided the child care facility is provided and
maintained by the Sime Darby Group.
11 NT-Biz/Prof Journal Subscriptions to business and professional journals
Subscription fees for business and professional journals essential to the Group's business and enhancement of
employee's knowledge to facilitate carrying out of duties, incurred by employee.
12 NT-Prof Bodies/Org Subscriptions to Professional bodies / organization
Subscription fees paid to professional bodies/organization essential to the Group's business and enhancement of
employee's knowledge to facilitate carrying out of duties, incurred by employee.

13 NT-Parking Office car park

Payment for office car park (within office building or in the vicinity), including those who park at LRT Station to
commute to work on LRT.

14 NT-Technology Eqpt Purchase of technology equipments

Purchase of technology equipments (i.e. mobile phone, PDA, Personal Computer/Laptop - not inclusive of
accessories) for employee's personal use.

15 NT-Phone/Bband Bills Payment of Phone / Broadband Bills

Payment of Phone / Broadband bills (i.e. monthly subscription bills, including cost of registration and installation)
for employee's personal use.

16 NT-Vacation (Local) Local holiday travel expenses

Local holiday travel expenses (i.e. airfares, land transportation costs, accommodation and meals) incurred by
employee and/or eligible dependents*.

17 NT-Vacation (Oseas 3k) Overseas holiday travel expenses

Overseas holiday travel expenses (i.e. airfares, land transportation costs, accommodation and meals) incurred by
employee and/or eligible dependents* up to maximum RM3,000.

18 NT-Major Medi (Ee) Major Medical Expenses Insurance for Employees

Payment for employees’ major medical expenses insurance premiums (Only for insurers engaged by Sime Darby
Lockton Insurance Brokers Sdn Bhd)
19 NT-Major Medi (Dep) Major Medical Expenses Insurance for Dependents*
Payment for dependents’ major medical expenses insurance premiums (Only for insurers engaged by Sime Darby
Lockton Insurance Brokers Sdn Bhd)

Sime Darby VP I Handbook w.e.f.1 April 2015 40

  FSA list

20 T-ComplimtryTreatmt Complimentary Medicine & Treatment (Chiropractic only)

Complimentary treatment & consultation for the employee and/or eligible dependents*, conducted by licensed
chiropractor or registered medical practitioner***. Complimentary medicine prescribed by a registered medical
practitioner***.

21 T-Fitness ClubM'ship Club / Gym membership subscription fees

Monthly membership subscription fees for individual membership owned by employee in a gym / club (golf, sports,
fitness).

22 T-Fitness/Sprts Eqpt Purchase of health / fitness / sports equipment

Purchase of health, fitness and sports equipment (e.g. tennis racket, treadmill) for the employee's and/or eligible
dependents* personal use, not including sports apparel (e.g. shoes, clothes, etc)

23 T-Technology Eqpt Purchase of technology equipments

Purchase of technology equipments (e.g. scanner, digital camera, printer) for employee's personal use.

24 T-LRT/BusPas LRT pass / bus pass

Purchase of daily / monthly passes (LRT, bus).
25 T-Employees' Edu Education for Employees
Payment for employees' education (e.g. books or other course materials for school, tuition fees etc) or subscription
fees for personal enrichment programmes (e.g. art, music, language, martial arts, sports etc)

26 T-Dependents' Edu Education for Eligible Dependents*

Payment for eligible dependents’ education (e.g. books or other course materials for school, tuition fees etc) or
subscription fees for personal enrichment programmes (e.g. art, music, language, martial arts, sports etc)

* Eligible dependents are defined as first legal spouse and children under age 19 years or up to age 24 years if undergoing full-time education (up to first degree
only) and is not earning an income.
** Registered medical practitioner as defined by the Medical Act of Malaysia, or Ministry of Health (or equivalent authority) in the country where charges were
incurred.
*** Registered medical practitioner with bodies which are certified or registered in accordance with the rules governing Complementary Medicine as laid down by the
Ministry of Health. The qualifying body is The Malaysian Society for Complementary Therapies (MSCT).
NT - Non Taxable
T - Taxable
Items claimable under FSA, its definitions, as well as claims are subject to Management's discretion. The company reserves the right to reject any claims as it deems
fit.

Sime Darby VP I Handbook w.e.f.1 April 2015 41

 appendix i:
exclusion lists

Sime Darby VP I Handbook w.e.f.1 April 2015 42

  exclusion list: medical / hospitalisation
the Company will not bear the cost of the following:

1. expenses for miscarriage, abortion and prenatal (pregnancy) or postnatal care and surgical, mechanical or
chemical contraceptive methods of birth control or treatment pertaining to infertility, erectile dysfunction and tests or
treatment related to impotence or sterilization are excluded from medical /hospitalisation;
2.expenses incurred in respect of child birth (including surgical delivery) are excluded from hospitalisation (however,
these can be claimed under Medical benefit subject to its terms and conditions);
3. expenses for treatment or surgical operation for congenital deformities and abnormalities, including hereditary
conditions, i.e. deformities present from birth such as hare-lip, club-foot, birthmark and any other congenital
anomalies;
4. expenses relating to plastic/cosmetic surgery, circumcision, refraction or surgical correction of nearsightedness
(Radial Keratotomy or Lasik), weight control/reduction/gain and the use or acquisition of external prosthetic
appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescription thereof;
5. expenses relating to private nursing, rest cure or sanitaria care;
6. any expenses arising from treatment for illness, disease, condition or injuries sustained while committing a crime
or felony, while under the influence of alcohol, illegal drugs, narcotics, or mind altering substance or injuries which
are self inflicted while sane or insane;
7. any expenses relating to venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or
ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases requiring quarantine by
law;
8. any expenses arising from provoked assault or breach of the peace or disorderly conduct, exposure to hazards or
participation in hazardous sports or activities except when endeavoring to save human life or property;
9. expenses incurred for sex changes.
note: this list is not exhaustive and will be subject to change as and when required

Sime Darby VP I Handbook w.e.f.1 April 2015 43

  exclusion list: medical / hospitalisation
the Company will not bear the cost of the following:

10. expenses incurred for donation of any body organ by the employee or covered dependent and cost of acquisition
of the organ including all costs incurred by the donor during organ transplant and its complications;
11. investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative
therapy such as treatment, medical service or supplies, including but not limited to chiropractic services,
acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other
alternative treatment;
12. any treatment directed towards developmental delays and/or learning disabilities in employee’s children;
13. expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar
facilities, admission kit/pack and other ineligible non-medical items;
14. expenses arising from injury sustained from war or any act of war, declared or undeclared, criminal or terrorist
activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;
unless caught in situation during business etc.
15. ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of
nuclear fission or from any nuclear weapons material.; unless caused by indirect nature of business
16. private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed / registered
with Dept of Civil Aviation to carry passengers over established routes.
17.Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic
manifestations)
note: this list is not exhaustive and will be subject to change as and when required

Sime Darby VP I Handbook w.e.f.1 April 2015 44

  exclusion list: GTLA and/or riders
the Company shall not be liable to pay in the event of illness or accident being directly or indirectly attributable to or
consequential upon:

1. active participation in any war (declared or not) or in any warlike operation, civil commotion, rebellion, insurrection
or military or usurped power unless the assured employee is serving a period of National Service;
2. attempted suicide, intentional self-inflicted injuries, use of drugs (except as prescribed under medical advice by
registered medical practitioners);
3. any intentional criminal violation of law;
4. expenses relating to private nursing, rest cure or sanitaria care;
5. racing of any kind (other than foot racing), professional sporting activities, and participation in speed, or
participation in extreme sporting activities for record-breaking, namely plane bungee jumping and sky skiing;
6. pregnancy or child birth unless disability continues for a period of three (3) months after the date of conclusion of
the pregnancy;

note: this list is not exhaustive and will be subject to change as and when required

Sime Darby VP I Handbook w.e.f.1 April 2015 45

  exclusion list: GCI
the insurance does not cover and no benefit shall be paid for disease caused, directly or indirectly, by any of the
following:

1. any pre-existing conditions;

2. any covered diseases / illnesses which are diagnosed within the first 90 days of enrolment / employment,
whichever is later;
3. war, invasion, act of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war,
mutiny, civil commotions assuming the proportions of or amounting to a popular rising, military rising insurrection,
rebellion, military or usurped power or any act of any person acting on behalf of or in connection with any
organisation actively directly towards the overthrow by force of any government or to the influencing of it by
terrorism or violence;
4. attempted suicide or self-inflicted injury whilst sane or insane;
5. any breach of the law by the insured or any assault provoked by him / her;
6. being under the influence of alcohol or drugs other than in accordance with the directions of a registered medical
practitioner;
7. aviation, gliding or any other form of aerial flight other than as a fare paying passenger of a recognised airline or
charter service;
8. participation in, or training for, any dangerous or hazardous sport or competition or riding or driving in any form of
race or competition;
9. involvement in any underwater activity;
10. injury caused by nuclear fission, nuclear fusion or radioactive contamination;
11. serving in any capacity for any navy, army or air force;
12. infection from any Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency Syndrome (AIDS) or any
other AIDS-related condition, except for AIDS due to blood transfusion (as defined in the insurance policy).

note: this list is not exhaustive and will be subject to change as and when required

Sime Darby VP I Handbook w.e.f.1 April 2015 46

 this handbook is designed to help you understand your terms,
conditions, benefits and flexben.

in case of discrepancy / difference in interpretation between this

handbook and governing policies / insurance contract, the governing
policies and / or insurance contract will take precedence. care has
been taken to ensure all information is accurate as at time of printing.

the Company reserves the right to revise, retract, add or amend any of
your terms and conditions of employment and/or benefits from time to
time, as deemed necessary (including but not limited to those
contained in this handbook). such amendments/additional benefits
shall be made known in writing by Group Human Resources.

 the fine print… the Company reserves the right to pro-rate the benefit entitlements
and recover the unearned portions from the employee should the
employee leave the Company for whatsoever reason before the end of
the calendar year.

with the implementation of Goods and Services Tax (GST) in April

2015, you will need to be aware of required documentation (e.g. tax
invoice) upon submitting claims of the business travel items. Please
refer to the Employee Reimbursement Guide for further details. Claims
made on Employee Benefits including FSA claim will be reimbursed in
full inclusive of GST (if any) and does not require tax invoice unless
otherwise stated. However, the Company will not pay the GST amount
over and above the benefits limit/amount.

Sime Darby VP I Handbook w.e.f.1 April 2015 47

 Primary contact:
- Operating Unit Human Resources
 in case you need - Division Human Resources

help… Secondary contact:

- flexben.ghr@simedarby.com

Sime Darby VP I Handbook w.e.f.1 April 2015 48

Sime Darby VP I Handbook w.e.f.1 April 2015