Standard recording 4

0:00

S… Speaker 1 (Standard recording 4)

for 578 822 and 47 cents so this is actually a zero takeover policy for existing members and new members that means they cover everything including coverage for pre-existing illness okay so can you project the one that comparison between all the things that was done before the comparison

0:36

S… Speaker 1 (Standard recording 4)

Then, when we got the tender document from AIA, AIA only gave us SME Flex package. This is a package whereby they did not do the organization in the past. And this package, when given,

1:04

S… Speaker 1 (Standard recording 4)

For example, the group term line remains the same. That means the takeover of all the employees will be covered from A1, including pre-existing illness. But for new employees, there's a limitation. The limitation is... It's on page...

1:37

S… Speaker 1 (Standard recording 4)

Okay, the limitation is they do not cover pre-existing illness. They have a waiting period of 120 days for hospitalization. Datuk, I clarified, Datuk. For 30 days, they cover outpatient GP, outpatient SP, including accidental hospitalization. They cover from day one.

2:05

S… Speaker 1 (Standard recording 4)

but only pre-existing illness hospitalization they don't cover from day one. That is the 120 days.

2:53

S… Speaker 2 (Standard recording 4)

So I had a question, what is the meaning of covered accident?

2:59

S… Speaker 2 (Standard recording 4)

And secondly, what is the meaning of after the effective date of coverage? Is it 30 days or from day one? So this one causes confusion to me. Okay, specified illness, okay, like you already said, it's not there. And then the one that Indra, the one that Indra puts in her slide, you see the one on the slide here, the note here does not tell me what is inside here. If you read.

3:29

S… Speaker 1 (Standard recording 4)

So, he has just emailed to us for the clarification. What is the meaning of covered accident? Accident is accident. What is covered? I don't understand what is the meaning of covered accident.

4:13

S… Speaker 2 (Standard recording 4)

So the problem is, when they say only covered accident, my concern will be for the staff that is new, we send them to go and give talks, we send them on flights, even though in the country, they go here, they go there. Now, they're not covered. So what is covered? I don't know what is covered accident if something happens.

4:39

S… Speaker 2 (Standard recording 4)

uh there is no insurance so when you see covered accident if anything happens is it covered hospitalization and everything is covered you see that's what they told me you see that's what they tell you has it's not the same as what is being put in here it has to be put in here and whatever they give as an additional information

5:00

S… Speaker 1 (Standard recording 4)

has to be part and parcel to be read together with the semi-flex. Otherwise, it will not be valid. They will just come and tell me, look, this is the semi-flex, you take it or leave it. That's why I asked you, is there a definition for covered accident? I asked you this morning, what is the meaning of covered accident? You see, his answer to you is still the word covered accident. I asked you, what is the meaning of covered accident? Now, you tell me what is the meaning of covered accident.

5:28

S… Speaker 1 (Standard recording 4)

I asked you to get black and white this morning before the meeting. I did ask you that. I did, Dato. But they just replying me. I told them to give a definition. Give me one minute, Dato. You asked them. I need to know what accidents are not covered. Because the thing is, Dato, is we will then have to make a policy decision in the event that we send them for official duties. And something happens to and fro. Something happens in the bus, in the flight, in the taxi, in the Grab. I don't know.

6:02

S… Speaker 2 (Standard recording 4)

Kelvin, I just want to clarify again in regards to your email. Okay, you have stated here, eligibility benefits starts 30 days of insurance including, except for a covered accident. What does it mean? Can you all be more, I mean, elaborate it more? Is this when you mention covered accident, specific accident or all accident? All accident.

6:54

S… Speaker 2 (Standard recording 4)

Nevertheless, can be a car accident or happens an accident in working place, all covered. Yeah, because when you mention here, covered accident, so that's a question mark there. No, because we thought there's a different, like only certain accidents you're covering. Car accident, motor accident, workplace accident, all covered. Okay, thank you.

7:36

S… Speaker 2 (Standard recording 4)

Later, I think you all need to help me add on all this definition in your proposal. Because it's not clear. Okay, never mind. I will get back to you later. Thank you. Bye. You know what covered accident does not include? I can tell you after really. Three existing conditions, reckless illegal activities are not covered.

8:56

S… Speaker 1 (Standard recording 4)

So reckless. If they go hiking and fall down, maybe that may not be covered. If they are not covered by insurance, that's reckless. That may deem as reckless. Mountain climbing, girl, you know, whatever that I would put up a supermarket. Hill climbing, which is their favourite pastime. And if they are new and they're not covered, I think that would be called under reckless. That, the insurance might dispute. This is how it's here. Because now we're going into details.

9:35

S… Speaker 1 (Standard recording 4)

So, the 30 days... So, will he give you a record in the record? I'll ask him to write shortly. I'll ask him to just explain what is covered in Churups and what Dato said just now, is it... What is excluded? We don't... You don't tell him what is excluded. Let him say. If he doesn't give any exclusion... We take it as no exclusion, but you want to make it because of the record before you sign?

10:00

S… Speaker 3 (Standard recording 4)

Okay, so the 30 days waiting period is included. That means there is no 30 days waiting period for outpatient GP and ST. They are covered. What is that stated in this document? In there, no, Dato.

10:21

S… Speaker 1 (Standard recording 4)

But I told them to clarify via email. So that means you are saying this document must be read together with that email and email and email whatever confirmation they give. Because this one doesn't say.

10:38

S… Speaker 2 (Standard recording 4)

So now GP and SP is covered. Can they go to clinic? Can. So the number they come, they need to get medicine from Mongol illnesses. From day one. From day one. Infection virus and all that. Those things they have to email to you. It has to be read together. Yes. And then the next thing is that so from the day one they will be covered. So what is not covered from until 120 days?

11:09

S… Speaker 2 (Standard recording 4)

Hospitalisation for pre-existing? Yes. If a person got a diabetic and then he goes to hospital on the first day or second day or one week after joining us, can they go to the clinic? They can. No issue? No issue. They will not fall under these specific illnesses where they are exempted? No, because they have indicated including specific illness, GP and SP, outpatient SP is covered. Only hospitalisation is not covered.

11:38

S… Speaker 2 (Standard recording 4)

So that means for all the GPSP, they are covered from the day one. So their onboarding is actually from the day one. Yes. They can be onboarded. Yes. They can go to hospitals. They can go to clinics. Even GPSP can go. Yes. As long as they don't get hospitalized. Yes. Hospitalization is 120 days. Yes. Can you get this in writing proper? Sure. To clarify. Including also the covered accident team. Okay. And if your understanding is correct. If this is the understanding, you get it in writing from them. To clarify.

12:08

S… Speaker 2 (Standard recording 4)

That means for all the new people, this is what it is going to be. So based on that, what we're going to sign up. Because of that, because this classification, you'll use it. Yeah. Okay? So the way I see, the way you explain, that means there is only one condition for 120 days, which is hospitalization for the pre-existing. And any form of hospitalization, or only for this? Hospitalization. For example, the person accident got hospitalized. That is covered. That is covered.

12:41

S… Speaker 2 (Standard recording 4)

If they are diabetic and they are hospitalized for diabetic or hypertension, not covered. So after 120 days, they are covered. So the 120 days is only hospitalization due to the pre-existing illness is correct. Other than that, all covered. So we must make it clear in the...

13:02

S… Speaker 2 (Standard recording 4)

in your email to this part and then clarify and another thing is that your 100 and 20 days starts from day one day zero or your 120 days is 30 plus 120 day one that is day zero day zero of the registration first 120 days so that means the 120 days includes you over 30 days yes better make it clear okay clarify that although it's taking minutes you can remember everything

13:32

S… Speaker 2 (Standard recording 4)

I hope so, because you are not taking minutes. Usually the junior officer will take minutes. Unless the meeting is recorded, I don't know. You're recording? Okay. So, make sure next time when you're recording, you're disclosed to everybody. Are you actually recording now, the meeting? Yes, sir. How come you didn't tell us you're recording the meeting? Next time just say the meeting is on record.

14:10

S… Speaker 1 (Standard recording 4)

You have to make sure that this document will be read in line with whatever extra that they give in another document. That means not email, you know, a specified document which then the flexing member will be read together with a second document. That will form part of the whole insurance.

14:34

S… Speaker 1 (Standard recording 4)

Yeah, because the letter of the award cannot be referring to email by Kathleen D30s, your reply by Kathleen, it must be copy. One document? No, this one can, this one, an explanatory note behind, or additional to this, and both these documents, these ASME flags plus whatever else is explanation will form part of the issue. Okay, what can happen?

15:02

S… Speaker 1 (Standard recording 4)

I don't think they will amend this. They say this is their standard. I don't think they will amend it. This will be sorted after this meeting immediately. We get that inviting from them because we did told them yesterday. We will get back to them after the deliberation of the committee today. So perhaps you can go and get that clarity.

15:29

S… Speaker 1 (Standard recording 4)

As far as we are concerned, what has been, what the committee has actually, the committee has, you know, based on the scoring done, and the final, do you have the scoring document? Can you publish the scoring document?

15:55

S… Speaker 1 (Standard recording 4)

So based on the scoring document, which has been tabled to the board, the one that actually has been awarded is this AIA agent. Because AIA agent's price was 375.125.67. This is what approved by the board, nothing beyond. So what has been approved is 375. And we have clearly also stated to the board, it is a semi-flex plan.

16:23

S… Speaker 1 (Standard recording 4)

we did state in the world as well yeah right and we have taken into account we all know that they have given several additional benefits apart from whatever that has been stated in the title document correct right among others we indeed we have told the board

16:44

S… Speaker 2 (Standard recording 4)

that we have asked for, in our group Tambly Me, we asked for 100,000 for employee. They have given 100,000 for employee, fulfilled. We asked for hospitalization and surgical, 100,000 for employee and 50,000 for dependent. They give 100,000 for both, each employee and dependent, which is higher than what we supposed to be getting.

17:09

S… Speaker 2 (Standard recording 4)

Then, for GP, we say 2,500 combined for employee and dependent. They, on the other hand, say that they will give 2,500 for each employee and dependent, which is higher. And for SP, we say 10,000 for each employee and dependent. They say unlimited for each employee and dependent, under the same package. For room and board, we say 300 for employee, 180 for dependent. They say each, they will give 300, employee and dependent, also higher.

17:39

S… Speaker 2 (Standard recording 4)

ICU, we said 500. They said as charged for each employee and dependent. And for government hospital daily cash allowances, we said 100 each for employee and dependent per day. They said they will give 200 each employee and dependent. This is something that we have also brought to the attention of the board.

17:58

S… Speaker 2 (Standard recording 4)

which the board has taken into account and the boss has opposed and the board decision is very clear is to go ahead with AIA for the price of 375.125.60 so this is what it is so eventually we have issued the letter of award to this AIA in order for them to accept but during the period of time we also have made reference to the entire tender document that has been submitted

18:25

S… Speaker 2 (Standard recording 4)

But as you all know, I think that tender document got two things. One, all these additional benefits is in their plan, not in the tender. If you look at the tender document, meaning to say, we have asked lower than what we have given. So they say it's inconsistent. Because when we tie it back to the tender, because we're getting more. I give you more. Your document says lower.

18:47

S… Speaker 2 (Standard recording 4)

So, I cannot be agreeing something that, for example, dependent, you are saying 100, I am giving 200. See, it's not the same. I am giving additional benefit while your document says over. Might as well you say, make reference to my plan, which is benefit is extra, which is on our advantages, correct? That's number one. So, that is not consistent. So, that's why they are saying, let's not make reference back to your vendor, but make reference to the plan that you are actually agreeing upon. So, that is number one in our letter of award.

19:16

S… Speaker 2 (Standard recording 4)

number two that they have another issue is that when we are when in our type of document we have requested this is the matter we have requested for all the existing employees to be on board and the new the new people the new people are also to be on board that means to be treated same so when you are on board

19:38

S… Speaker 2 (Standard recording 4)

All the existing people will be on board, they will be automatically covered. They call it takeover. Immediate takeover. But the new one also should be immediate takeover. That's what our understanding is. That's what the current situation in Attica. However, they have stated that no, they cannot do that because they have that. All the newcomers are. The newcomers...

20:00

S… Speaker 1 (Standard recording 4)

will need to be, when they come to take over, the newcomers will need to be given this exemption. 120 days, which is what she clarified. I believe so. That means that 120 days. So that 120 days is applicable only now for hospitalization for these illnesses. So we have been discussing over this matter and I think the previously

20:27

S… Speaker 1 (Standard recording 4)

This list has been, the LOA was issued way back in, because we got the bots approval way much earlier, right? We managed to rush it through, even before the beginning of April. So because we want to get it done. So immediately LOA was out on 8 April itself. They were given 5 days, but they did not come back. When they did not come back, HR should have followed up after 5 days. 5 days was the time period given. But after 5 days,

20:51

S… Speaker 1 (Standard recording 4)

already exhausted and i think i don't know maybe discussion was ongoing whatsoever but they did not come back they didn't follow up i don't know the matter wasn't resolved until 20 something so they when i think 27 or something they says that they got reservation over the LOA because of these reasons they have a reservation which is a valid reservation that they are putting as well so they have to consider so they say they have a reservation on this matter so for that i think also again email has been issued i think that was been that has deliberated that

21:19

S… Speaker 1 (Standard recording 4)

with HR and the email has also been issued up. Upon the email has been issued out, they didn't come back again. And it's already coming to 30, which is supposed to be expired already. So, and HR should have been proactively followed up, but we did not do that. Upon we did not do that, now we are in a situation where there's our existing insurance we already expired.

21:44

S… Speaker 1 (Standard recording 4)

So technically speaking, now we do not have any insurance on board. By right, the AIA should come on board from the first. That's what the decision of the board when we need to get them on board on the first. But these differences are now being sorted, isn't it? These differences is now is our stumbling block from moving forward with this package. So we go back to the drawing block and see what is actually the problem. The problem is this particular provision.

22:11

S… Speaker 1 (Standard recording 4)

Additional benefit, we got no problem. We can all be, I mean, we're getting better benefit, we're accepting it. We support also already in Dossi.

22:17

S… Speaker 1 (Standard recording 4)

one method that this method is not deliberated both by here and we also did not bring it to board because what brought to board is actually with regards to the what AIA plan is about that one limitation is only on 120 days which I think it should be not at the board level but this level has to be deliberated if at all we want to accept not to accept this 120 days exclusion

22:41

S… Speaker 1 (Standard recording 4)

Let's now go back to the circumstances. Assuming, assuming we do not want to, we want everybody, all the newcomers. You see, our average, on average, our new hiring is how many per year? About 8 to less than 10. So say about less than 10 people we hire. For the less than 10 people is what we're talking about, which is the 120 days of exclusions. They're not exclusions, the 120 days of...

23:17

S… Speaker 1 (Standard recording 4)

AIA has stated that they go back to their original proposal.

23:21

S… Speaker 1 (Standard recording 4)

They have given the original proposal, if you all remember. They are all given the original proposal, we go back again, then everybody comes back with the second proposal, correct? Their original proposal is a tailor-made according to what we wanted. That means they will give or lower as to what we wanted, and they will also take over everybody, including newcomer take over. For that, the price is stated at, what is the price? 578, that is your first document. Okay, this is what I want to ask you, did we receive this document 578?

23:50

S… Speaker 2 (Standard recording 4)

from the first tender, but this is not from the agent, right? No, this is AIA. Direct. So there's a difference now. So the agent give back the same, right? Agent was giving 375 even from the beginning. Yeah, agent was giving 375 even from the beginning. So then the agent was fixing to the flex plan from the very beginning. But this is their plan, which they are now giving it to us, meaning they are now joining agent and them.

24:20

S… Speaker 2 (Standard recording 4)

piling the agent and them together in the first proposal, which is not. And if they are not mistaken, their first proposal

24:27

S… Speaker 1 (Standard recording 4)

also had the cooling-off period. Yes, Dato, I think for this matter, for 578, we don't touch the agent yet, only the company now. But they had the cooling-off period. And cooling-off period was given in the second proposal and so there was, I think, what is it? Vidya, we saw it. In the second proposal.

24:51

S… Speaker 1 (Standard recording 4)

but yesterday in the court they say in the first proposal when they give the first proposal for 578 we never see the 578 proposal

25:02

S… Speaker 1 (Standard recording 4)

In the 578, they say that in 578827, there is no cooling off. That's what she said in the phone. AIA. AIA said in 578, they say that there is no cooling off. That's why the price is higher. That means the first submission. This is their first submission, is it? No, is this the first submission?

25:29

S… Speaker 1 (Standard recording 4)

Yeah, the first one here. Not the SME Flex. This is the first one here. No, the second one. I think there's one more. Is this the 578 here? Is this the 578 one in front? Yeah. This one is 578. This one? Okay. Is this one the cooling off? The one has cooling off. The 578. 578 is take over. What is the take over? Where is the cooling off? There is.

26:00

S… Speaker 1 (Standard recording 4)

So according to yesterday, she says that if you want an immediate takeover, take our earlier proposal. That means she was referring to this document now. They have the pulling of that, that's why. So what we are saying today is they are giving a revised version of their original tender.

26:26

S… Speaker 1 (Standard recording 4)

Okay, now the waiver of 30 days, no, it's a waiver. Waiver of 30 days waiting period for accident and accident means it's a waiver. There's no pulling off. So this is exactly what Attica gets. This is what... Is this the original method? That's the original method. It's a waiver. Except for accident. Waiver for 30 days waiting period, except for accident and 120 days.

26:56

S… Speaker 1 (Standard recording 4)

waiting period for specified business applicable for covered employees applicable for current covered employees the third waiver is for 30 days 30 days waiting period

27:13

S… Speaker 1 (Standard recording 4)

So they can't accept for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident. Except for accident.

27:44

S… Speaker 1 (Standard recording 4)

Immediately call that the person, the god, the woman or something, the lady. What are you saying Heather? Looking at the remarks, I thought maybe it's the same because the wording looks the same as well for both proposals. This one I think is done by your day. Let her go with this. This one they all want to prepare, not for them.

28:13

S… Speaker 2 (Standard recording 4)

because the remark says zero cooling period but i think the wording is the same morning mrs james morning sorry we are in a meeting we just need one clarification mrs jane all right the earlier proposal by aia the one proposed for 178 000 directly not agent one that one the cooling off period

28:41

S… Speaker 2 (Standard recording 4)

is waived, isn't it? That means take over with zero cooling period for new joiners. That means existing as well as new joiners. How about accidental? Immediate cover. Okay, one minute. We're going to put you on loudspeaker. One minute.

29:09

S… Speaker 1 (Standard recording 4)

Ms. Sogjin, sorry Ms. Sogjin, I'm done with you in the discussion now. Very quickly, with regards to yesterday when we said that, remember there is a difference between

29:27

S… Speaker 1 (Standard recording 4)

there is a difference between the flex plan and your initial proposal which is amounting to 578 remember we spoke about it that you said that there will be a waiver of the cooling off period correct?

29:43

S… Speaker 1 (Standard recording 4)

Meaning to say that if we go ahead with the earlier proposal, we do not have this cooling off period, meaning there's no 30 days, 120 days, and all the new employees will be treated equal to our whole employee. Am I correct?

30:07

S… Speaker 1 (Standard recording 4)

So none of the people, that means regardless whether they are new, they are really joined within the four months, they will not be subjected to the cooling off period. Am I correct? So that means everybody will be treated equally without adding the weight for the 30 and 120 days.

30:31

S… Speaker 1 (Standard recording 4)

okay so that's why the price is now we have to pay higher on 578 correct okay assuming we go by the flex plan everyone who is below new employees who are below below 120 days then they still have a pulling off period am i correct

30:53

S… Speaker 1 (Standard recording 4)

so that that that is only applicable just now indra was talking to calvin the that means they are the the cooling off is actually only for hospitalization for pre-existing illness am i correct

31:21

S… Speaker 1 (Standard recording 4)

yeah correct so only that hospitalization related to this other than that everything else is covered if they go to a clinic they just go to a clinic to get the medication and all that is covered is it that is the only thing that they don't cover under flex plan is

31:41

S… Speaker 2 (Standard recording 4)

within 120 days is hospitalization correct so when they come on board 120 days you don't cover okay okay all right okay understand thank you very much

32:09

S… Speaker 1 (Standard recording 4)

Okay, later for this clarification, I think Intra will just clarify with the Kjagin on the email just to make it certain for this part. Thank you. Clear. So, Dato, I take it there. The old proposal for 578,000 is without an cooling of PEU.

32:35

S… Speaker 1 (Standard recording 4)

then the Frank's rent got to be one period. Now, let's go back to what we have actually ranked up, how we have ranked. Assuming we take into account this particular period, the differences is going to be 200,000. Just for one factor, which is the one that they mentioned.

32:57

S… Speaker 1 (Standard recording 4)

okay in that one one factor we have to assume now will our ranking gonna be different because of this factor this this factor will be going to be affecting and we're gonna say like let's look at those those there right AIA agent we have Takaful Berhad and all these people in the second this is all based on the second proposal where is your now can you show me the comparison the comparison

33:27

S… Speaker 1 (Standard recording 4)

This is the second round comparison. This is the second round comparison. I think we all have looked at it when we compared. So when we look at this one, if you look at the price there, the one that we have...

34:10

S… Speaker 1 (Standard recording 4)

This one, agent. I think your annex is different with you. Ah, this one, sorry. Okay, is this the one that you showed to us? Don't confuse, huh? Is this the one we showed to us before? Yes. Okay, 375, 125, 60 cents. Okay, this is the one that is actually AIA agent. So if we look at it, only for takeover, agent, takaful, direct, both, and then go down further?

34:41

S… Speaker 1 (Standard recording 4)

go down the other side on your right if you go look at this uh etica is allowed alliance is far ahead in the price etica is also giving a waiver in the cooling off period etica giving cooling off you see what great is the great instant

35:00

S… Speaker 1 (Standard recording 4)

yes you check yes so assuming that we go by great eastern waiver okay all these people fulfill the same but they're not giving additional benefits that means they fulfill to what we tender right you look at great eastern's price is 591 waiver great eastern takaful 694 waiver etica with waiver 589 alliance is it with waiver

35:22

S… Speaker 1 (Standard recording 4)

I don't know, but anyway, it's 643. Did you check? I asked you to check yesterday. Did you all check? Alliance also got a waiver. Assuming Alliance got a waiver, they're also giving 643. The one that doesn't have a waiver is from AIA onwards. The AIA there, right? The amount there is 500. Go down further. Why? It's 61578.

35:43

S… Speaker 1 (Standard recording 4)

Okay, the direct, Takaful is 500, then direct 396, and then you have Takaful Agent 470, and this is Agent 375. We actually, based on this, we actually go ahead with Agent. But these are all the revised proposal. So when they revised the proposal, AIA direct also submitted FLEX plan, you know. Am I correct? They also submitted FLEX.

36:12

S… Speaker 1 (Standard recording 4)

Because initially they give the 570,000 that AIA direct. The second round they submit the tax. You said 570 there? 396. No, no. The one AIA public. AIA public is 500,000. Yeah. That's why I was talking Indra. I've never seen the figure 578 before. Okay, I think I understand that. Do you have a comparison of the first round?

36:41

S… Speaker 1 (Standard recording 4)

This was the second round comparison. The one that before you go and ask anybody to do something. Do you remember? You remember we deliberated and they asked you to go back? There is one comparison. If you have that, this is the first comparison. In that, you will see the price 578. This is the one over there. I think this is the one. This is the second one with all these comments. See the first one, see an extra one. This is the second one. I think it's your an extra two.

37:35

S… Speaker 2 (Standard recording 4)

Take the one, take the one that you have one document that we recorded. The price I recorded. No, the price I recorded in by hand.

37:57

S… Speaker 1 (Standard recording 4)

You have the price that you think? It's in my room. That one you can see. I think that one should have the 570. Okay. The one thing that I see here, the point that I'm trying to make here. Despite the fact that, let's say we take the pulling off, assuming we take the one with the pulling off and we want to see their price.

38:26

S… Speaker 1 (Standard recording 4)

Even then, the one that will be falling lowest is still AIA. That means if at all we want to consider a cooling off as a major factor in our ranking, in our thing, right? And yet AIA Direct will still stand the chance to be awarded given the fact that they are submitted the lowest price because their price is 578. Compared to all those others that we just saw,

38:57

S… Speaker 1 (Standard recording 4)

are all minimum is what is the price. Great Eastern how much? Great Eastern Rose. No, no, this one. Take this one. Look at this one. Great Eastern was 591. Assuming we want to take only those with waivers. Only that waivers. That means every new people will be treated equally. Take it like that. Even that also, these people is 578.

39:23

S… Speaker 1 (Standard recording 4)

compared to the next lowest is Great Eastern, which is 591. You got what I'm trying to say? That means in any event, AIA is still the lowest in the price as well. So now the consideration that the committee should make, will this will affect your, that means in any event.

39:45

S… Speaker 2 (Standard recording 4)

In the price-wise, in the price-wise, they will still write the lowest because they submitted with 578, while the second lowest is 591. That means for cooling off, for cooling off. If we take cooling off as your mandatory requirement,

40:00

S… Speaker 1 (Standard recording 4)

others will disqualify them SME Flex plan also you will disqualify them that means the only thing you can take is only from this and onwards so that means it's only from this Great Eastern and Etika and Alliance only they will be qualified because you want the pulling-off to be no pulling-off and the price are all 200,000 more than what they have been

40:21

S… Speaker 1 (Standard recording 4)

getting now we cannot get the 375 no one will give you that price because they want to charge you higher which is because they because of that uncertainty they want 578 000 for for minimum try the 78 000 will our consideration will change because of this factor that is a decision that we need to make in fact all that that is not a consideration then we will proceed with the problem of 375 125.60

40:50

S… Speaker 1 (Standard recording 4)

because the the only thing that there is now is only this this only this part there is now the way I see only one part there is which is whether the new people to be on boarded without a cooling off or we can accept them with a cooling off

41:06

S… Speaker 1 (Standard recording 4)

Let's look at what is our requirement in our contract to employees. In the employee's contract, it is stated that you will be given an insurance plan, but can be varied from some to time. So that means whatever that has been decided by the center, it is what will be given. If there is a cooling off, the cooling off will be applicable.

41:22

S… Speaker 1 (Standard recording 4)

So that is quite clear in that sense. But it must be notified to every new employee moving forward. That's number one. Number two, in our employee handbook, for whatever reason, the 120 days cooling off has been stated there. It has been stated on this one.

41:40

S… Speaker 1 (Standard recording 4)

it will still be stated, still there. The reason it is stated, I think those days will be very early time, maybe this cooling off thing has been applicable. But over time, you know, the cooling off is not there. And we also see that because of no cooling off, the price is extremely higher as well. It's just shooting off by 200,000, just because of that cooling off. And we are talking about less than 10 employees here, which may be new employees that will be coming or replacement, replacement of new employees.

42:07

S… Speaker 1 (Standard recording 4)

So that is the price that we're talking about here.

42:11

S… Speaker 1 (Standard recording 4)

The decision is this, if at all we are agreeing, we can agree that that will not significantly change our ranking and scoring to these agents because price-wise they are still going to be there but you just have to consider it other factors including pulling off in your ranking then if that will be a factor that we will consider then we have to redo the whole exercise.

42:38

S… Speaker 1 (Standard recording 4)

That means we have to call off for all exercise and then go for another market and possibly we will award it to AIA but with the price of 578. Or we will proceed with the 375 as decided by the board and in agreement of all of us that the cooling off the cooling off will be applicable moving forward for new employees. So that is basically the situation we are clear. Understand right?

43:12

S… Speaker 2 (Standard recording 4)

Sorry, so what is the waiting period now? It says 30 days waiting period, 120 days with nurses.

43:24

S… Speaker 1 (Standard recording 4)

So, what is the difference of these two days? Why is it a certain day? I understand 120 days. Let's take it simply. My simplified understanding is 120 days, no hospitalisation for pre-existing illness. That means 30 plus another 90 days. All together 120 days. Okay, what is the exact difference between 30 and 120? 30 days, you... If you're not sure, call her. I have already called, that's why I've already remarked here already.

43:53

S… Speaker 3 (Standard recording 4)

say eligible members part 30 days itself they can visit clinics and specialists for pre-existing illness and everything you can do it at the clinic and specialist only the 30 days they don't cover for hospitalization but accidental you still can go to the hospital that means they cover any type of accidental

44:25

S… Speaker 3 (Standard recording 4)

that one data are asked to define all accidental costs. I think that would be a better word. For 120 days, only the specific illness are not covered. But beyond 120 days, this is covered. 121 days, all this will be covered.

44:47

S… Speaker 2 (Standard recording 4)

30 and 50 days only applies to newcomers. Yes. So it will not affect our existing members. No. Like existing staff. No. So these two dates will not affect. And I want to tell you one other thing now.

45:00

S… Speaker 1 (Standard recording 4)

When they talk about newcomers, right, and this is also the answer to what we discussed yesterday, what I understand from the call just now that she says, they don't go by the newcomers or newcomers, they go by the employees who have been hired for how long in your place. So meaning to say, I can today get new two people come under these new insurance, the old insurance for example, they will still say, as long as you served below four months, that putting off is applicable. You got what I mean?

45:28

S… Speaker 1 (Standard recording 4)

from the day you join from the day you join the company if you have already served for four months you are examined if you are not you have to serve so because the the problem is because they don't want people at the last month of what they are expiring of this one they hire 10 people all these people with some pre-existing illness later take over they have to take over all the people and all of these 10 people with pre-existing illness they have to cover for it so that means now people like Shahzara will not be covered will not be covered she has to fulfill that period

45:57

S… Speaker 1 (Standard recording 4)

of 100 million dollars. That is the ability. The only problem we have with people like her is that when we issued the letter, we were under the old insurance, therefore we never put the qualifier. Now we are putting the qualifier perspective which applies retrospective.

46:19

S… Speaker 2 (Standard recording 4)

Okay, allow me to clarify here. Okay, what we have done is when we are registering employees and dependents, we take the existing lists from Etika. They require that. That means Shaza and Nurian, the two units.

46:42

S… Speaker 1 (Standard recording 4)

they are already registered with EPIKA. So that means it's a takeover. You better confirm that, yeah? Yeah. You better confirm before you talk Indra, otherwise you will take it. Can I tell you something? Based on my understanding today, it is not. What they look at it is that it is not a takeover. They look at how long they've served. You can call now. Call now and ask. Double check.

47:30

S… Speaker 2 (Standard recording 4)

Okay, just one clarification.

47:36

S… Speaker 2 (Standard recording 4)

Okay, when we register our employees with AIA Systema, when we say a takeover, because I remember they require me to give all the detailed employee names from Etika. Okay, that means who have been registered with Etika, that means it's considered a takeover with AIA.

48:02

S… Speaker 2 (Standard recording 4)

So let's say I have got two employees who have joined me somewhere last month, which we have already registered them with Etika. So is this considered also a takeover or these two employees will need to serve the 120-day schooling period?

48:22

S… Speaker 3 (Standard recording 4)

So the takeover meaning we will continue the 30 days or the 120 days. Just say for this new joiner, they join under the Aziza policy already serves 30 days. When they come to AIA, then they will continue the balance of the day. Then your Nadia girl never tells us this.

48:45

S… Speaker 2 (Standard recording 4)

It's like this. Because according to your agent, she said, whoever who is registered under Etika is a takeover. Yes, when we say takeover, it's actually continued the year of service or number of days, they have to put that policy. So we will not start fresh. Will not start fresh.

49:15

S… Speaker 3 (Standard recording 4)

not start afresh in AIA, and we cannot ignore that they would reserve the service period, and the company is less than 120 days. So we just continue only, there is no gap in between their coverage.

49:39

S… Speaker 3 (Standard recording 4)

All right. Okay, thank you, Ms. Chan. All right. The other thing is, Indira, we need your help to share with us the artistic policy of Etika. For example, this question that you asked us now, right? If let's say Etika, and they give you this policy, they say...

50:00

S… Speaker 1 (Standard recording 4)

in that policy actually do not need to serve the 30 days or 120 days, then when we take over the whole policy, then we will take over them without this waiting period already. So Nadia will not be able to advise you in exact situation because we need to see your policy contractors. The policy contract is already shared with y'all earlier.

50:30

S… Speaker 1 (Standard recording 4)

So maybe you can check with Kelvin and Nadia, because we have already shared the policy contract. Sofjin, wait. Datuk Danej wants to clarify something with you.

50:57

S… Speaker 2 (Standard recording 4)

yeah just to clarify in our previous policy under etica we do not have a waiting period it's been waived because we have given them an expectation that they do not have a waiting period under etica you see

51:35

S… Speaker 2 (Standard recording 4)

yeah so we do not have the waiting period so that can be applicable here as well right that means those those that we have hired previously and registered under etika they will not be subjected for these 120 days correct

51:56

S… Speaker 2 (Standard recording 4)

Okay, after this conversation, can you email to them the ethical policy they should have, right? Yeah. Okay, you can just double confirm in the email as well. Sure, sure. Okay, I'm just going for my meeting already. Okay, Miss Ang, just one more question for another member. She just want to clarify something, last question for more. Yeah, so Jane, this is Heather.

52:17

S… Speaker 3 (Standard recording 4)

Sophie, I just want to clarify our waiting period. There are two timelines here. One is 30 days, one is 120 days. As I understand, people will only apply for those who are not registered, pre-existing.

52:35

S… Speaker 3 (Standard recording 4)

Yes. So, my question here is regarding the waiting period. There are two duration here. One is 30, one is 120. Am I understanding both duration, it will not apply to existing employees that have been registered already? Am I correct, the first question? Okay. Second question, what is the difference between these two durations?

52:55

S… Speaker 1 (Standard recording 4)

So the first 30 days from the date join of these new joiners, right, we will only cover admission due to accident. So they have to wait 30 days, only they will be covered for accident cases. So the first 30 days of the policy or of the member who joined this policy, if any admission happens, we will only cover or we will only pick up the cost.

53:23

S… Speaker 1 (Standard recording 4)

due to accident cost only. So even the admission due to clinicians or whatsoever, that is why I covered in my accident later. So those are 30 days for admission, you refer to hospitalisation? Yeah. These 30 days and from 10 days only are available for hospitalisation and surgical treatment. The clinical one, they will be covered from the beginning. They will be covered immediately. Okay.

53:51

S… Speaker 1 (Standard recording 4)

Okay, so 120 days? So 120 days is to cover those pre-assisted conditions as listed in the six items that we still need earlier. So if let's say the admission is happening in the first 120 days of that member joining this pharmacy, then if able to distribute six items, then we will not cover it. You will not cover during the 120 days now.

54:22

S… Speaker 3 (Standard recording 4)

Okay, but the 30 days, it only cover those that are specified? No, no, 30 days, then 120 days are covered up. Over that? Okay. So, within these 120 days, can I say, take it as only 6 items are not covered up? For hospitalisation. For hospitalisation. The rest will be covered. The rest will be covered.

54:52

S… Speaker 4 (Standard recording 4)

All right. Okay. All right. All right. Thank you. I love you. I should sit down. Thanks. Thanks.

55:00

S… Speaker 1 (Standard recording 4)

Thank you, Mr. Jane. Thank you. Okay, clear? Okay, can we have the one that recorded the first time? This is upon the submitted for the very first time, am I correct? AIA direct. How much did they give? This 578-82747. This 578, is it in the first submission?

55:54

S… Speaker 3 (Standard recording 4)

One they coded low in lives, isn't it? Huh? When the first submission, the first submission, or do you go back and ask some clarification and then come back then we will go for this. When we recorded is the time that they submitted, correct? Yes. And the time of them submitted... The one is lower, is it? Yeah, lower. The first one is lower because one life was short. We gave 100 and... Nine. Nine.

56:22

S… Speaker 3 (Standard recording 4)

They quoted 108. So they corrected? They corrected and that is the actual one. They quoted for one life. One life shot. One life shot. Two days at email, we say now it's 578. It cannot be verbal. Indra, this is a proper tender. 578 is 118.

56:46

S… Speaker 1 (Standard recording 4)

This 578, that at the time that we recorded here, at the time that they first submitted, AIA, AIA were not direct, is 420253.64. That was the one that went to the board. This board? I know you don't, but is it our tender document when we opened was 4 something? Okay, 420253.64 is what they were earlier when they submitted.

57:14

S… Speaker 3 (Standard recording 4)

Is this 420253.64 is actually the first time that they submitted with one live load, is it? No, no, okay. Now I know. 428, 420, they are giving also the flex plan earlier. They get the flex plan, okay. Then we told them you didn't meet our requirements. Okay. Go back and code according to our work.

57:42

S… Speaker 3 (Standard recording 4)

Remember? Draw by email to everyone. So then they bagi 500 lah. Yeah, then they came back with that. But there also they salah. Satu life kurang.

57:55

S… Speaker 1 (Standard recording 4)

Below 578. Slightly lower than 578. Yes. Yes. So the 578 is the revised one following our tender spec. Yes. And following to the waiver of the waiting period. Indira, when did they give the 578? Because we gave our marks all based on that one, you know, that one man.

58:16

S… Speaker 2 (Standard recording 4)

This one was given to us and we gave the marks. So, the... So, masa kita bagi marks, the one that you gave us this table is 500, right? So, this time, 780, that's how we are. Upon addition. Upon addition. So, that means that... It's upon addition, Dato, but we have all given our marks.

58:39

S… Speaker 1 (Standard recording 4)

Yeah, I think this should be based on we are fully aware of this price and we have gone back to ask them to re-submitted again. No, when I think it's a call, was this figure given to us? Because I remember, that's why I asked where is that other paper? Is this the only paper?

58:57

S… Speaker 2 (Standard recording 4)

Because, you see, you issued this paper twice in Iraq. One had 400-something. The second one had 500. So I just want to find where this figure is located. Just that is all for the tender. That is all. It's just for integrity of tender. That is all. Just tell me where the figure is. It's not about choosing where. We're not choosing. I just want for integrity of tender. Or they will come in and will question. That is the only thing I want to check. That is all. Decide later is a different thing.

1:00:02

S… Speaker 2 (Standard recording 4)

Is there anywhere there? 578? Okay, the one that is recorded there submitted 16 March 2026. AIA Berhad is 420253.64. AIA Public Takaful Berhad is 469318.04. Yeah, correct. Correct? Okay, then we wrote to them on 27th. Yes, okay, then we wrote to them.

1:00:30

S… Speaker 1 (Standard recording 4)

Then we asked to clarify. Yes. Okay. And then they all come back. They all covered at 69 years old, not 65. It's actually up to 69, which is better, higher, higher the age. We thought, because this one the board did ask, we thought we were 65, we were 69. And you, I think somebody told me 65. I think the child is 65. It's actually 69.

1:01:14

S… Speaker 1 (Standard recording 4)

The only thing is where is this figure coming from? No, the 578 is the revision figure. So they revised and they send back to you? Is it the revised figure? Where did they send the revised figure and why it's not reflected here in this table? Oh, this is a second one that was discussed during our meeting, our second meeting, before we all gave the marks. Unless there's another template here, you're not showing. I know that you, your template, you read your comparison at least three times.

1:01:45

S… Speaker 1 (Standard recording 4)

Because of the earlier time when they submitted is this, then they all went back, and then they asked them to risk me, and then the last one is the final one after negotiations. Then we looked at the final one before we did because we had two meetings, two to three rounds of meetings. We had two meetings. I only saw two templates. I didn't see three templates. So I'm asking you, where is the 578? Just then. Because this one here,

1:02:23

S… Speaker 3 (Standard recording 4)

It's a new document. I can tell you. Because it has the word corporate solutions. The earlier documents all had either Nadia's name or Tafakol. Not corporate solutions. I just want to thank you. Whether we take them or not, it's another thing. Give me a minute.

1:03:24

S… Speaker 3 (Standard recording 4)

During that discussion, I find that there are companies who actually give cooling off period. There are. So, you know, it's not illegal to give a cooling off period. I also don't see it as a problem, but you just need to tell your new staff.

1:03:40

S… Speaker 3 (Standard recording 4)

And I think you'll pay 200,000. This is the one. I don't think so. I agree with you. But the only problem is we need to make it very clear for the new staff. You handle yourself. Please have an insurance that cover you for the first time. But the most thing is that is only when they pre-existing. Because chances are most of them will have pre-existing.

1:04:00

S… Speaker 3 (Standard recording 4)

Because they don't come to us with a medical check-up, so they wouldn't know. They would come and eat in AIAC, suddenly find their hypertension, and make them go for medical check-up. Yeah, because we government, we join, we have medical, we have to go off. I think a lot of companies are now asking for medical check-up. Yeah, maybe that's what we can do when the new one comes in, ask them to do medical check-up, and we pay for the medical check-up. Even our individual card also, they have the green cards. Yes.

1:04:47

S… Speaker 2 (Standard recording 4)

They email us on 30th March 20th 26th.

1:04:54

S… Speaker 1 (Standard recording 4)

30th March, 2026. Yeah. That means this is 17th March.

1:05:00

S… Speaker 1 (Standard recording 4)

You go back the clarification. They never come back to you with the SME plan. They come back with you a customized plan again. So this one is 30th March. So that means you say after we have given the marks, is it? This is me. This is a mission submission. To me, Dr. This one.

1:05:32

S… Speaker 3 (Standard recording 4)

Whether we want to take this or not. Because that was the boss and this one. So this one, forget about it. Whether we want to take this or not. You know, when we give it on the 30th of March, we cannot forget about it. Yeah, why don't we just concentrate on this? Forget about this.

1:05:51

S… Speaker 1 (Standard recording 4)

Take note, that means Indra will help you put it on the right hand. We don't want to consider it anymore. That is what they apply for. And which falls still lower than others of them that suffer. No, it's actually... We cannot consider this, Datuk, because this is after the fact submission. So we cannot even consider that. Wait, wait, wait. Why are you showing Indra?

1:06:37

S… Speaker 3 (Standard recording 4)

The one that they came 30th. It's okay, we'll now know that this one came on the 30th, this is after the fact, that's all. Okay, okay. This one came on the 30th, the 578, after marks given. So forget about this, let's go on the 275, do you want it or not? That's all. You cannot, this is after the fact, you cannot even consider this. This is a new submission.

1:07:12

S… Speaker 1 (Standard recording 4)

Remember that everyone has reverted. Everybody reverted. When was the deadline for them to revert? Then everybody was reverting, right? Then there was at least that based on what they reverted. You show the second and next year game, when they reverted, that means you are saying that the D-AIA also revert. Splend the game.

1:07:35

S… Speaker 2 (Standard recording 4)

They go back and come back with flex also. Because we wanted to see the comparison between the agent and the company itself. So that is the figure. So they also give flex plan. What is the flex plan thing? But why is it still 574? No, no, no, this one with you has the... No, this is 574. You see, Indra, open back the 574.

1:08:08

S… Speaker 1 (Standard recording 4)

This is the 574, right? Is this one lack of one life? It's the one that is submitted. And then when you ask for, they add on the one life and give you 578. Is that correct? So, when they delivered to you on the 30th, is it for the one life additional? And when was this 574 was given? Because this is still quite high than the 420 submitted. So, I think this time around itself, they already taken and customized already.

1:08:44

S… Speaker 2 (Standard recording 4)

that means this is following the customized already this 574 574 it doesn't fall far no 574 578 is following to our tender document correct so yes so this 574 got coding up right now this definitely got coding up no no no this one should have waiver impossible yeah yeah waiver that means

1:09:09

S… Speaker 1 (Standard recording 4)

Total takeover with new employers. Let me look at the document, Indra. Are you talking of the CUP? Are you sure? Can I see the document in 574? Please. They have it here. They emailed, is it? They should have emailed or submitted. I think this one has come back after the mission. So it is the 574. Then you say the One Life thing is what they've given you 578.

1:09:38

S… Speaker 1 (Standard recording 4)

Which is the increase of the one-line. Yeah, but the one that I saw on Friday when I sat in your room had the waiver. When VTR showed the document to us. With the waiver or without waiver? No, no, sorry, without waiver. It had the waiver. Okay, now you show us. That means when you show us on Friday, was it the...

1:10:00

S… Speaker 2 (Standard recording 4)

First round submission or second round submission? Is it which document that you showed me the AIA one? You take the AIA submission. Did you print the second round? The one, the 574, did you print that? You should have one. You can have it in your email and publish it. 574. The 574 and 578 is different between one line. Am I correct? I have now here 570. I need to print the...

1:10:37

S… Speaker 2 (Standard recording 4)

They just want to see the waiver too. Because 574, by right, they should have given the waiver. That's what I can say in India. It's simple. If they give 578, they give waiver, they should have given it. They should have given it. Why is it just blank? 574. This one is what?

1:11:36

S… Speaker 1 (Standard recording 4)

this is 570 okay okay go up the waiver is up just go up next page with you this is when this was given my 570

1:11:55

S… Speaker 1 (Standard recording 4)

This one is not including group term yet. This is only for hospitalisation. So we had to add group term and this one. Then you get the total there. 574? Yeah. Will you get 574? 574. If you map that, is that what you calculated in the first round? 574? Which was presented in the first meeting. Is it correct? But at that time, you don't have the one life. Then the one life comes back. 8,400 plus?

1:12:37

S… Speaker 1 (Standard recording 4)

578. So the group term is 8,472 cents. Add with 570, you get 57882747 cents. This is after revision for 109 lives. When was the revision spent? I need to see my email with you. 30th March 2026.

1:13:52

S… Speaker 1 (Standard recording 4)

So this one needs to be done. The same one. This is one, Dato. With the rectification of 109 headcounts. When did we do the marking for me? When did we do the marking? Just there. Check the dates. I don't think so, this one. Not this one. This one, I've followed the dates already. Check the one, the...

1:14:56

S… Speaker 3 (Standard recording 4)

You recorded everything you did, the rating dates

1:15:02

S… Speaker 1 (Standard recording 4)

Not the one with your company, they're both up. They sent this on the 16th. They sent this on the 13th March at 11, 47.

1:16:17

S… Speaker 2 (Standard recording 4)

With the revised... This is with the 198 counts per day one? Yeah. So this should be your 578 lah. Yeah, that's the 578. Yeah, we talked about 574. 574 was much earlier. Yeah, correct. That's why it's included in your thing, in your listing, 574. The 574 document, which one is there? Is the one that you showed just now?

1:17:02

S… Speaker 3 (Standard recording 4)

We presented because of the FLEX plan.

1:17:07

S… Speaker 3 (Standard recording 4)

We took Diaflex plan. Which that means when you're presenting it to us, it was 500,000. No, no, no, Dato. We presented on Diaflex plan also. That means that.

1:17:33

S… Speaker 1 (Standard recording 4)

I just want regularization here. So the thing is, when you had the meeting with all of us before we give our marks, where was it? Your meeting was 30th. And the long thing that you gave us, did you put 5, 7, 8 there? Okay, fine, just that.

1:18:11

S… Speaker 2 (Standard recording 4)

You show the one that we considered on during the marking time. Can you open that one? The second one. Because I think we considered they go back to the flaps plan. Yeah, they went back to the flaps plan. That's what we considered.

1:18:28

S… Speaker 2 (Standard recording 4)

based on what I'm saying. I understand, so this 578 cannot be considered by... Yes, correct. Because the 578 is not for consideration now. The 578 or 574 was the earlier submission in the first level. So 574, these people saying that there is a one-life difference when they come back to 578 later. But why do we never tell? Because we have dropped that and we have revised back to...

1:18:54

S… Speaker 2 (Standard recording 4)

uh this the flex plan again the flex plan was four to zero our thing that we table to the board is this one which is the four to zero that means this is back to flex plan that means they are the even a normal aria agent all go back to the flex plan so we consider the flex plan as the comparison in the second round not the normal plan but what now aria is saying

1:19:21

S… Speaker 2 (Standard recording 4)

if at all you want to don't want to have a waiver of a takeover you go and look back my original proposal my first level the first level was three what the five seven four five seven eight the five seven four five seven eight is what you should consider if you want the waiver

1:19:39

S… Speaker 2 (Standard recording 4)

So I was trying to say, if at all we want to consider that cone, if we want to consider the 574 enterprise, they are still standing as the lowest among those that waged. All those that are waged is higher than AIA. So AIA will still be there. So now our consideration.

1:20:00

S… Speaker 1 (Standard recording 4)

is are we going to now want to remark again taking that as an effect or proceed ahead with the 375 as we already tabled and agreed by the board which is 200 000 lower and the only thing here differs here is that cooling off period which is for the new people 120 that we just clarified

1:20:26

S… Speaker 1 (Standard recording 4)

So that is the only response. And I think I would go by what the board has decided with the 375, with the flex plan, and we have to agree to tell all the new members you will have the pulling up again. Because I think it is not so fair for the centre to pay 200,000 extra only for that one factor. And moving forward also, if at all this should be the moving forward and this thing in your tender itself you should say

1:20:54

S… Speaker 1 (Standard recording 4)

That particular thing is silent. You don't even have to say new people that we are boarding on should not have a cooling off period. It's okay to have a cooling off period and save 200,000 rather than not to have a cooling off period and pay 200,000 for the newcomers.

1:21:10

S… Speaker 1 (Standard recording 4)

And all you have to do is to tell the employees that you are not covered for pre-existing illness. Why are we have to cover that just because of pre-existing illness? They are the illness that they come here with and you have to pay 200,000 for that when you are not statutorily obligated to do so.

1:21:25

S… Speaker 1 (Standard recording 4)

I think the board will also believe this is the position. We will then make some amendments to the letter of what they need to be given to the AIA to say that this is the plan that we will need to accept and then we will also notify this in the next board meeting to say that we have executed but and also because in the last meeting we did not elaborate further on the newcomers so we will also tell them the newcomers and the reason that we will proceed as per one for decided in the same plan.

1:21:54

S… Speaker 1 (Standard recording 4)

because it saves money from the sector. I think it's not fair to pay even 420 for that reason, for only reason, sorry, for 570, 578, just for the purpose of getting everybody equal. How many are you talking about newcomers that are not registered with EDICAR? Now we've got two people we are hiring now. So even that means, like what Dato asked is now, the Shaza and the other person Yati.

1:22:23

S… Speaker 1 (Standard recording 4)

they will be not having a cooling off. Because they say that as long as they are under their old plan, your old plan will be no cooling off. Which they say, which all these are going to write. Which I think you are capturing everything via AI memory, right? So later you are going to make sure everything in the email and write it to them. So that means they will have to give us another document.

1:22:46

S… Speaker 2 (Standard recording 4)

which is wrapped together with this document in terms of an explanation, in terms of the limitations and coverage and everything. So that and that will be wrapped together with your S&E Flair 3 plan together with that accompanying document and that will form part of this letter of award. Bye!

1:23:07

S… Speaker 1 (Standard recording 4)

You cannot ignore the tender because there was a tender process, whatever you want to say. I think our tender process was taken place properly and we all have participated and we did go around two rounds. First round when comparison, second round comparison and we want to make sure that it follows the specifications.

1:23:27

S… Speaker 1 (Standard recording 4)

Based on that only we have given our scoring. And will our scoring now change because of this one factor? If you look for the scoring itself, 50% was based on price factor. That's why I say if any event, they will still fall back. Even if you go by that, they will still fall back to AIA.

1:23:51

S… Speaker 2 (Standard recording 4)

We are now in the award 574, right? I mean 578. But it would mean that the letter has to be completely changed, the letter of award has to be revoked and a new letter of award issued, which makes reference to a tender process, but also makes reference to this plexi proposal and whatever the explanation would have. And whatever that they're going to email you, and they say this is going to be a part of our letter of award to you.

1:24:16

S… Speaker 2 (Standard recording 4)

To me, anything and everything that's not provided in the Flexi Award, together with the expedition, one will go back to the tender, right? Because tender got terms and conditions. So in terms and conditions in the tender must be there, except the coverage part. One part of the tender, which is the coverage, will be governed by the Islam. And your 69 years and all that, I'm not sure whether it's inside here. I think this is inside here. Inside here, is it?

1:24:43

S… Speaker 1 (Standard recording 4)

Where is it? Where is it? They say it's up to 69. So... It's not here, you put it in the document behind. Yeah, I think that's a pass that you can do to move forward. Yeah, that's all.

1:25:00

S… Speaker 1 (Standard recording 4)

Because we need to deliver this so everybody is on the same page that we can just proceed with this appointment. Just that we need to clarify in the letter of award need to be the issue so that that particular part can be properly addressed. So that they can sign and... And then if they agreed, AIA said they were on board everybody from the 1st of April, the 1st of May. And that is also, yeah, that is what the board also did. So whoever that went to hospital during the period of need, they were covered under the AIA.

1:25:30

S… Speaker 2 (Standard recording 4)

It's not for us to pay. But we have to pay for the money. Of course, because three is all the time, we have to pay. So we start paying for the first meeting. Yeah, yeah. There's a new coverage back for the first meeting. So we're not under coverage now, no. We have to pay. Yeah, we have to pay. Huh?

1:25:50

S… Speaker 1 (Standard recording 4)

Even during the three days, we already have people going. So most likely they will pay and everything to come and reimburse from first. Yes, yes, yes. You see? Which is something that... Who went? Did he manage to get through Etika? No, no. And then I think reimbursement by... This also you clarify. Says that if anybody you need to... We're going to sign from first.

1:26:18

S… Speaker 1 (Standard recording 4)

assuming from the first that anybody that is during this period of time they will know because yesterday she said we will affect it from first so we need this period if there's some training is possible because if you take more if you take more right you can do faster now you're going to sit down and listen back the entire for one hour you're going to listen another one hour

1:26:45

S… Speaker 1 (Standard recording 4)

You should keep in while we are talking. That's what we normally do legal. The main points. Because we have more time, we are running more time. We have to issue this letter out today. Is that possible for you to do the qualification email after this meeting immediately? Issue the emails. And then later, after lunch, by the meantime, Intra start preparing the letter of one, amendments one.

1:27:13

S… Speaker 2 (Standard recording 4)

And then we need to check that clear and then we will show off later. And then the letter award, they must be okay with it. Also, Kenoko will be sent, come back, send, come back. I think as long as we don't make that card, they're okay. That is what she said yesterday. No, but I think all other terms of the tender must be applicable apart from the coverage of the premium. We can make that. You can save that. No, Inland, the 69 is not here. It's here, Dato. It's in this document.

1:27:59

S… Speaker 1 (Standard recording 4)

So that is our discretion. That's why I tell that we need to call that the meeting so that we clarify among the committee because the committee made a decision and eventually the only thing is that if the committee disagrees

1:28:11

S… Speaker 1 (Standard recording 4)

we are proceeding, then we are going to revoke the rotate and we start and that is considered going back to the hall again. So if we can agree on the 375, which is the best leaders of the centre, then we can proceed as it is not. The committee is that we just have to clarify to the committee and because we are also taking a very informed decision as well. Because in any event itself, TIA still falls in place.

1:28:33

S… Speaker 1 (Standard recording 4)

Even if you want to take the waiver pricing, just because the waiver is going to pay 200,000, why? I don't think so. I mean, we have to save money. And another thing, Indra, after all this is settled, you need to write to those two girls and inform about the insurance eligibility. These are all the newcomers. I mean, new of the boss, whoever the newcomers that we have offered later or going to offer.

1:29:02

S… Speaker 1 (Standard recording 4)

I mean, insurance applicable is what will be given to them. So, when they come, you must issue the email and tell them this is your applicable. So, pulling off as well. Apart, all this has been settled. Okay, and any... Okay, Ruki, you have anything? Are you available with the approach? You're taking into consideration of the differences. I think I agree.

1:29:36

S… Speaker 1 (Standard recording 4)

The best is the pricing. The pricing is very important. And I think even, let's say, in moving forward, there are certain things that we need to do. We should also have a medical check-up, like some under 30 people who want to be hired. We should put it into our policy. So, basic medical, do and give. Like how they're doing the thing before they can't give us a medical check-up. Which is important as well.

1:30:00

S… Speaker 1 (Standard recording 4)

given the fact that you're spending a lot of money on insurance so they can do it and a lot of companies are asking for it so we can do that so number two is that number two factor is that if at all in moving forward is this pulling off period can help us to save money because i see the only difference is pulling off period is 15 200 000

1:30:19

S… Speaker 1 (Standard recording 4)

If that means a takeover thing is something that we can actually not to have it and we can have as a pulling off 100 brand thing, we might as well do that. And also the package. And save the 100, 200,000. I don't know, I mean packages, it may then may not be there, you know. Whether they have assembly flags, next time they may not have the flags, it's okay. But your requirement itself, I'm saying. Your requirement. Because your requirement itself says...

1:30:48

S… Speaker 1 (Standard recording 4)

Because your requirement initially says, our requirement itself will say that new onboarding we want it to be waiver. When you say that, of course all of them are going to give a very high price. Not that you may have some employees or whatever newcomers because of medical.

1:31:06

S… Speaker 1 (Standard recording 4)

So, H6 are excluded. I mean, it doesn't even have a chronic illness. Chronic illnesses. Like for example, Alliance and Great Eastern and all that is without the cooling off. And I don't know how, you know, I mean, they are giving without the cooling off. So, the AI is higher. And also, AIA also has given without the cooling off, which is falling a little bit lower.

1:31:33

S… Speaker 2 (Standard recording 4)

It's just that I read somewhere, I think, I do not know if they go towards no employee benefit, they may. They are looking at the cooling off in some sectors, I do not know. So if a law comes in and says you cannot have cooling off, then so be it. But if there's no law, then it will be fine. And I think so far there's no matter three. No, no, no. And I think we just have to give some...

1:31:56

S… Speaker 1 (Standard recording 4)

Workplace? No, there's a lot. No, it's not. We only give in tuners. We only give. I mean, only some places are giving in tuners and we have given luxury. Luxury, yes. So that's what my boss is looking at. And we cannot. We keep on going 600, 700, 800. For 50 over stuff. Too high. Too high. And that's why the horses keep cutting down. And this time, one of them managed to slash it. They were okay with it. Because last month, it was almost 500 plus.

1:32:23

S… Speaker 1 (Standard recording 4)

So we try to go back to 500 plus. So 37 plus, so next round it was a bit lower. So with all the cooling moths, possibly the usage also may slightly drop. Hopefully, yeah, if it is dropped, then the next round when we go back, maybe likely lower. So it has to be between 200, 300 is okay. For 50 or more people, 50, 60 people. Not 3700. It's quite a lot. Okay, we agree then that yes, it's impossible.

1:32:54

S… Speaker 1 (Standard recording 4)

We even consider extending Attica for that is also expensive because Attica is going to now Attica's new rotation.

Standard recording 4

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