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Products
 Health Protection
  • Smart Extender
  • SmartMedic Xtra
  • Smart Premier Health
  • SmartMedic Enhancer
  • SmartMedic
  • Smart Early Payout CriticalCare
  • Great MediCare 2
  •   
     SMART EXTENDER
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    Increase your medical protection with higher annual limit and no lifetime limit

    In times of medical emergencies, you'd want your medical protection to be able to give you added peace of mind, enabling you to have access to proper medical care. That is why we're introducing Smart Extender,  a  medical  rider with deductible
    that provides higher annual limit and no lifetime limit to ease your burdens from the increasing medical expenses.

    Enjoy a high overall annual limit with no lifetime limit
    Smart Extender offers a high overall annual limit equal to ten times of the deductible amount, with no lifetime limit. The deductible is an amount which is equivalent to the initial overall annual limit of the medical rider attached to your investment-linked insurance policy.

    Smart Extender covers the total eligible medical expenses incurred for all insured benefits accumulated in any one policy year, minus the deductible amount of the selected plan. The deductible amount is the amount of the eligible medical expenses that you need to settle first before Smart Extender pays the excess.

    An example of how it works:
    A 28-year old male buys a Smart Extender SE60K plan with a deductible amount of RM60,000. He was admitted into the hospital in April 2015, June 2015 and July 2015 with eligible medical bills of RM30,000 each totalling to RM90,000 in Smart Extender's policy year. The first RM60,000 will be paid by him and/or his other medical rider and the remaining RM30,000 will be payable under the Smart Extender.

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    Comprehensive medical benefits with no co-insurance
    Smart Extender does not only offer a high overall annual limit, but gives you financial security too. With no co-insurance payments required for hospital inpatient benefits as well as pre-hospitalisation and post-hospitalisation benefits, you can focus on getting well while we take care of your medical expenses

    Protection and coverage up to 80 years next birthday
    With Smart Extender, you will be covered up to the age of 80 years next birthday, giving you reassurance even in your golden years.

    Smart Extender must be attached together with SmartMedic, SmartMedic Xtra or any other eligible investment-linked medical rider that will be introduced by the Company in the future. The Deductible Amount under Smart Extender must correspond to your medical rider's initial overall annual limit, i.e. SE60K for SM100, SE90K for SM150 or SMX150 and SE120K for SM200 or SMX200.

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.
     SMARTMEDIC XTRA
    smx
    Provides comprehensive medical coverage with no co-insurance for your healthcare needs

    A good medical protection plan gives you the freedom and confidence to live life without being held back by financial concerns should you ever require medical attention. While you may have taken every precaution   to   live  and  lead   a   healthy
    lifestyle, an unexpected event can strikeyou or your loved ones without any warning.

    SmartMedic Xtra  offers  you  healthcare  whenever  you  need  it  with no co-insurance. It allows you to enjoy more complete medical security and fewer financial worries.

    High overall annual and lifetime limits
    SmartMedic Xtra gives you a bigger buffer than ever with high overall annual and lifetime limits, granting you greater assurance when you require your medical protection plan. Enjoy initial overall annual limit of up to RM200,000 and overall lifetime limit of up to RM2 million depending on your selected plan.

    Comprehensive medical benefits with no co-insurance
    With SmartMedic Xtra, you have less to worry about your medical bills. This plan handles your medical bill without imposing co-insurance, enabling you to focus on getting better

    Get rewarded with annual limit increments by being fit
    By staying healthy, you will be rewarded with a 10% increase to Overall Annual Limit at the end of every 3 policy years provided no claim has been made during the immediate preceding 3 policy years.

    An example of how it works:
    A 28-year old male buys a SMX200 plan with an Initial Overall Annual Limit of RM120,000 and Overall Lifetime Limit of RM1.2 million.

    Events:
    1. Between 1st to 3rd Policy Year, no claim was made, the Overall Annual Limit will increase by RM12,000 to RM132,000 from 4th Policy Year to 6th Policy Year.
    2. Between 4th to 6th Policy Year, two claims were made, the Overall Annual Limit will remain at RM132,000 from 7th Policy Year to 9th Policy Year.
    3. Between 7th to 9th Policy Year, no claim was made, the Overall Annual Limit will increase by RM12,000 to RM144,000 from 10th Policy Year to 12th Policy Year.
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    Protection and coverage till 80 years next birthday
    You will receive protection up to the age of 80 years next birthday, giving you more confidence to live the best of life even in your golden years.

    Coverage wherever life takes you
    Fly and travel around the world with full confidence. Be it on holiday or business trip, SmartMedic Xtra grants you international emergency medical assistance service anywhere in the world.

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.
     SMART PREMIER HEALTH
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    Be rewarded for staying healthy

    Introducing Smart Premier Health - an investment-linked medical rider that offers comprehensive medical security. Loaded with smart features, this plan rewards you when you are healthy and ease your worries when you are sick.
    Unlike most medical plans in the market, Smart Premier Health offers you No Claim Discount on insurance charges, and annual limit increments just for staying healthy.  On top of that, you will not be burdened with co-insurance payments should the unexpected happen. This means you have one less thing to worry about when you are admitted into a hospital. To top it all off, enjoy stress-free golden years by staying medically protected till age 80 years next birthday.

    Pay less as you stay healthy with up to 25% No Claim Discount
    If no claim was made in any policy year, Smart Premier Health rewards you with a No Claim Discount on your insurance charges for the next policy year. Depending on the number of consecutive years of which no claim was made, you may get to enjoy up to a 25% discount. Now you have more reasons to stay fit and healthy!

    Note: The No Claim Discount is applicable to Smart Premier Health standard insurance charges only. Terms and conditions apply.

    Get more as you stay healthy with periodic annual limit increments
    With Smart Premier Health, the Initial Overall Annual Limit can be as high as RM300,000, depending on the plan selected. Not only that, you will also enjoy an increase to your Overall Annual Limit at the end of every 3 policy years, provided no claim was made in the immediate preceding 3 policy years.

    Note: Each increase (if applicable) to the Overall Annual Limit at the end of every 3 policy years shall be equal to 10% of the Initial Overall Annual Limit. Terms and conditions apply.

    Be rewarded with increase in Hospital Room and Board limit
    Smart Premier Health offers an increase to your plan's Hospital Room and Board limit at the end of every 3 policy years, up to a cumulative total of 100% of your plan's Initial Hospital Room and Board limit. Each increase to your plan's Hospital Room and Board limit at the end of every 3 policy years shall be equal to 10% of your plan's Initial Hospital Room and Board limit.

    Enjoy comprehensive medical benefits with no co-insurance
    Smart Premier Health does not only look after your medical needs, but offers you added financial security too. With no co-insurance payments required for hospital inpatient benefits such as surgical fees as well as pre-hospitalisation and post-hospitalisation treatments, you can just focus on getting better while we take care of the rest.

    Be shielded with security of high lifetime limits
    Smart Premier Health shields you from costly medical bills with a lifetime limit of between RM2 million and RM6 million, depending on the plan selected.

    Greater assurance with Critical Surgery Recovery Benefit
    In the event of a life changing illness, Smart Premier Health provides financial support to aid your recovery. A one-time lump sum of RM20,000 is payable for recovery from a major organ or bone marrow transplant, heart valve surgery, surgery to aorta, surgery due to major burns or brain surgery.

    Note: The benefit is payable upon a 7-day survival period after hospital discharge.

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.
     SMARTMEDIC ENHANCER
    SM
    As the exorbitant medical costs continue to rise, adequate coverage is important so that you can have access to suitable medical care should the need arises. Fortunately, SmartMedic Enhancer helps you to be better prepared in medical emergencies by enhancing the medical coverage offered by SmartMedic.

    Enjoy increments to your Hospital Room and Board limit
    SmartMedic Enhancer offers an increase to your SmartMedic's Hospital Room and Board limit at the end of every 3 policy years, up to a cumulative total of 100% of your SmartMedic's initial Hospital Room and Board limit.

    Each increase to your SmartMedic's Hospital Room and Board limit at the end of every 3 policy years shall be equal to 10% of your SmartMedic's initial Hospital Room and Board limit.

    Prolonged coverage for Post-Hospitalisation Treatment
    Instead of 90 days Post-Hospitalisation Treatment coverage as offered by SmartMedic, SmartMedic Enhancer prolongs this coverage from the 91st day to the 180th day after hospital discharge. This ensures that you have access to medical treatment over a longer post-hospitalisation period.

    Enjoy Daily Guardian Benefit of up to 180 days per policy year
    Get reimbursed for expenses incurred for meals and lodging when accompanying the Life Assured during hospitalisation of up to RM200 daily depending on your selected plan.

    Lesser worries with Daily-Cash Allowance
    Get up to RM350 Daily-Cash Allowance, depending on your selected plan, for a maximum of 120 days per policy year, in the event of hospitalisation at a Malaysian Government Hospital.

    Additional Accidental Death Benefit
    In the event of accidental death, SmartMedic Enhancer provides you with Accidental Death Benefit of up to RM20,000 depending on your selected plan, on top of the Accidental Death Benefit of SmartMedic.

    SmartMedic Enhancer must be attached together with SmartMedic and is only available to SmartMedic plans SM200, SM300 and SM400. Each SmartMedic plan only allows one corresponding SmartMedic Enhancer plan for optional attachment, i.e. SME200 for SM200, SME300 for SM300 and SME400 for SM400.

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.

     SMARTMEDIC
    SM
    Comprehensive medical coverage for your healthcare needs

    We want to stay healthy always. While we can't be certain that we will enjoy good health for life, we can take steps to be prepared for accidents and illnesses by ensuring that we have access to proper medical care.

    Introducing SmartMedic - the comprehensive medical rider for investment-linked insurance plans. With it, you have medical protection to cushion the effects of unexpected medical emergencies. By offering you comprehensive coverage for hospitalisation, surgical expenses and much more, SmartMedic will help to safeguard your health, while bringing you greater financial security too.

    Enjoy high annual and lifetime limits
    Medical claims will be reimbursed in one lump sum, with a maximum initial annual limit of up to RM200,000 and a lifetime limit of up to RM2 million depending on your selected plan.

    Security of comprehensive medical benefits
    SmartMedic gives you comprehensive medical protection to guard against financial difficulties in times of medical emergencies. Key benefits include hassle-free hospital admission, pre-hospitalisation and post-hospitalisation treatments, Outpatient Cancer Treatment, Outpatient Kidney Dialysis Treatment, Intensive Care Unit (ICU) and surgical expenses benefits. You will also have better peace of mind with the Emergency Accidental Outpatient Treatment and Day Surgery benefits that come with this plan.

    Get annual limit increments by staying healthy
    You will be entitled to an increase to your Overall Annual Limit at the end of every 3 policy years provided that no claim has been made during the immediate preceding 3 policy years. This will help protect you against rising medical costs.

    Note: Each increase (if applicable) to the Overall Annual Limit at the end of every 3 policy years shall be equal to 10% of the Initial Overall Annual Limit. Terms and conditions apply.

    Accidental Death Benefit adds to your protection
    Your loved ones will receive an Accidental Death Benefit of up to RM20,000 which will be payable, depending on your selected plan, in the event of accidental death.

    Daily cash benefit to aid recovery
    You have even less need to worry about the medical expenses in the case of hospitalisation at a Malaysian Government Hospital. This plan pays you a daily cash benefit of RM50 per day for up to 120 days per policy year.

    Protection you can count on till you are 80 years next birthday
    With SmartMedic, you can be medically protected till you are 80 years next birthday, ensuring that you are better prepared to cope with any unforeseen circumstances even in your golden years.

    Greater assurance when you travel the world
    When you travel abroad for a vacation or on business, you can be rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world.

    SmartMedic offers 5 different plans with comprehensive medical coverage - SM100, SM150, SM200, SM300 and SM400.

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.

     Smart Early Payout CriticalCare
    EPCC
    The first plan in Malaysia that pays at the early stages of critical illness

    No matter how much we plan for the future, there will always be unexpected events beyond our control, such as the onset of a critical illness. However, with continuous medical advances and emphasis on periodic health screening, early detection of a critical illness is promising and may save your life.
    Smart Early Payout CriticalCare is designed with you in mind. It's a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness covered under this plan, not when the illness has become more severe - as with most insurance plans. Smart Early Payout CriticalCare gives you the early payout protection you need so that you can focus on treatment and recovery.

    Early payout, finances saved
    When your life threatens to come to a halt, you need to bounce back fast. With early payouts to provide for early treatments, you won't have to put off your other life plans should a critical illness occur. More importantly, you do not have to be financially burdened. The percentage of the lump sum paid may be used at your discretion - choose to use it for medical treatments or therapy, medication or even to settle financial commitments

    With the advantage of early financial support from Smart Early Payout CriticalCare, you can focus more on treatment and recovery so that you can get back on your feet again.

    Multiple claims across multiple critical illnesses
    The most thoughtful thing is, Smart Early Payout CriticalCare allows for multiple claims for different critical illnesses or across severity levels within the same critical illness. Furthermore, you will not have to wait in between submission of claims should your condition deteriorate to a more advanced stage.

    There are no limits to the number of critical illness conditions that you can claim against, as long as the pre-defined conditions are fulfilled and the sum of claim payouts are within the rider’s sum assured limit.

    An example of how it works:
    A 30-year old male is covered by Smart Early Payout CriticalCare with a sum assured of RM300,000. He is diagnosed with early stage cancer at Severity 25 and he makes a claim. Six months later, he suffers a heart attack at Severity 25 and another claim is made. Two months after the second claim is made, he suffers a heart attack at Severity 50 and makes a claim. Since the three claims did not reach the full sum assured, he will continue to be protected. If his condition deteriorates, he can make further claims on the remaining sum assured.

    An illustration of his claim payouts is as follows:

    Claim Critical Illness & Severity Level Benefit Claim Payout Remaining Sum Assured Under This Coverage
    1st Claim Cancer at Severity 25 25% of Sum Assured, up to
    maximum of
    RM50,000 per Life Assured
    RM50,000 RM250,000
    2nd Claim Heart Attack
    at
    Severity 25
    25% of Sum Assured, up to maximum of RM50,000 per Life Assured RM50,000 RM200,000
    3rd Claim Heart Attack
    at
    Severity 50
    50% of Sum Assured per Life Assured, less the previous claim for Heart Attack at Severity 25 RM100,000 RM100,000

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.

    Added protection with unique ‘Buy Back’ option
    Usually, if a critical illness claim is made, it will be difficult to obtain new insurance cover, depriving your loved ones of financial aid should anything unforeseen happen to you.

    The good news is, Smart Early Payout CriticalCare comes with a unique ‘Buy Back’ option to give your loved ones the extra financial protection at the time they may need it most. With this option, you can buy back the death benefit from selected insurance plans offered by the Company, up to the maximum sum assured of the rider. This means that you’re still covered even after a full payout of critical illness claims has been made under Smart Early Payout CriticalCare.

    Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.
     Great MEDICARE 2
    GMC2
    Medical insurance that keeps up with life's many possibilities

    The last thing you'd want when you meet with an unfortunate event or life-changing illness is to be left with unexpected medical bills. Great MediCare 2 is a comprehensive medical insurance plan that gives you the medical protection you need and eliminates your worries.
    Great MediCare 2 even protects you against unpleasant surprises with an Overall Lifetime Limit of up to RM800,000 and an Overall Annual Limit of up to RM200,000, depending on your selected plan.

    Executive Second Opinion service for added assurance
    You deserve to know that you're getting the best treatment for your illness, which is why Great MediCare 2 grants you access to Executive Second Opinion services from a medical specialist in the United States, if you are diagnosed with any of the 40 major medical conditions (49 major medical conditions for juveniles aged 20 and below). Our current list of top medical institutions include Johns Hopkins Hospital and Harvard Medical Center.

    Outpatient cancer and kidney dialysis treatments
    Great MediCare 2 looks after you when you most need it. That includes covering you for Outpatient Cancer Treatment and Outpatient Kidney Dialysis Treatment.

    24-hour assistance and hassle-free hospital admission
    Relieve yourself of the burden of administrative processes. With Great MediCare 2, you can just walk into any of our panel hospitals and we'll take care of the rest for you.

    Coverage wherever life takes you
    Travel the world with complete confidence. Whether you're on business or on holiday, Great MediCare 2 gives you emergency medical assistance anywhere in the world.

    Protection for your whole family
    Be rewarded for protecting your family. When you sign up two or more of your loved ones, you'll receive a 5% discount on your premiums.

    Great MediCare 2 offers 4 different plans with comprehensive medical coverage - GMC - 100, GMC - 200, GMC - 300 and GMC - 400.

    Other benefits include:
  • Tax benefit

  • Disclaimer:
    The product information above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Brochure, consumer education booklet on Medical and Health Insurance product (MHI), Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad.