Get certainty on your coverage to enjoy a cashless admission

The Great Journey panel hospitals are specially selected from our existing panel that reflect a committed collaboration and alignment with our goals of quality care, affordability, and enhanced policyholder experience. This initiative is applicable to Great Eastern Life Assurance (M) Berhad (GELM), Great Eastern Takaful Berhad (GETB) and Great Eastern General Insurance (Malaysia) Berhad policyholders where Letter of Guarantee(s) is issued by GELM.  

The hospitals are selected based on a set of criteria, with our key considerations being affordability, accessibility, service quality and alignment with our commitment to sustainable healthcare. The list of hospitals is subject to the management’s review. 

Policyholders admitted to The Great Journey hospitals will benefit from a range of exclusive privileges designed to enhance their overall experience, such as:

Waiver for Administrative Charges

Includes charges usually not covered by medical card such as Admission Fee, Registration Fee, Medical Record Fee, and ID Band.

Waiver for Covid-19 Screening Test

Applies to screening conducted upon or during admission. Does not apply if the test is done purely for diagnostic reasons.

Waiver for Admission Cash Deposit

Cash deposit upon admission is waived to facilitate Hassle-Free admission. However, the hospital may
collect deposit in the following:

(1)    For consultation/investigation/ treatment in the Emergency department prior to decision for Inpatient admission.

(2)   Prior to initial Guarantee Letter (IGL) issuance.

(3)   Exceeded policy limit/entitlement or amount not covered by GL such as co-insurance, deductible & expenses related to policy exclusion.

(4)   Declined GL.

Scenario 1:

Policyholder had abdominal pain and diarrhoea.    He was seen in Emergency Department and            planned
for further investigations. The Hospital may collect deposit while awaiting doctor’s decision on whether the Policyholder requires Inpatient admission. 

Scenario 2:

Policyholder had headache and vomiting, policy since 5 months ago, while awaiting lab and imaging report, Policyholder decided for admission first without initial GL. The Hospital may collect deposit from the Policyholder.

Scenario 3:

Policyholder sustained multiple fractures after a motor vehicle accident. Estimated cost is RM50,000. However, balance limit is only RM10,000. The Hospital may collect deposit from the Policyholder.

Scenario 4:

Policyholder is 8-months pregnant, had preterm labour secondary to urinary tract infection. GL declined due to policy exclusion on pregnancy. The Hospital may collect deposit from the Policyholder.

Priority Admission Service

Dedicated admission counter/ticketing machine/ lounge to support a smoother experience for Great Eastern policyholders.

Kiddo Express Programme

A streamlined and hassle-free admission for Life Assured aged 12 and below applicable to 10 selected acute infection diagnoses, without having to wait for
Guarantee Letter (GL) processing.

Discharge without Final Guarantee Letter (FGL) with minimal deposit

Hospitals will proceed with the discharge process without waiting for the FGL by collecting a small deposit (RM300-RM500) to cover estimated non-covered charges. This is in addition to any co-insurance or deductible, if applicable.  

Gesture of Care upon Admission

Exclusive items such as fruit basket, admission gift with greeting card, complimentary meal/ voucher for guardians for inpatient admissions with minimum one (1) night stay (excluding daycare & ICU admission cases). These items are provided by participating hospitals on a best-effort basis, during weekdays, are subject to availability and may change from time to time.  

Great Assist is a service offered by selected hospitals through their own dedicated staff who serve as
patient ambassadors. They assist Great Eastern policyholders during their stay by helping with GL status, billing queries, and addressing any other inquiries that may arise. At the point of admission, participating hospitals will provide a card with contact details or a QR code linked to the assigned ambassador. This support is available during office hours and on a best-effort basis. 

Yes, GL facility remains available for all appointed Panel Hospitals. However, the value-added privileges are exclusive to hospitals under The Great Journey. 

This Programme aims to facilitate hassle-free admission and discharge for Life Assured aged 12 and below, allowing them to be admitted to the ward first, subject to bed availability and policy terms and conditions. Our objective is to reduce parental anxiety caused by long waiting times and enhance the overall experience for our value Life Assured during their hospitalisation at The Great Journey Hospitals. 

The treating doctor will determine if the Life Assured’s condition falls under the ten (10) coverable diagnoses. The 10 coverable diagnoses are:
(1) Bronchitis;
(2) Bronchiolitis;
(3) Cellulitis;
(4) Dengue;
(5) Food poisoning/ Acute gastroenteritis;
(6) Hand foot mouth disease (HFMD);
(7) Influenza;
(8) Pneumonia;
(9) Upper and/ or lower respiratory infections; and
(10) Viral fever

Please note that any other diagnoses are NOT entitled for this Programme. 

Once the treating doctor confirms that the Life Assured requires admission, the Hospital will assess the Life Assured’s eligibility for this Programme through the Great Eastern Portal. If deemed eligible and the condition falls under the 10 coverable diagnoses, the Hospital will obtain consent from the parent or guardian by having them to sign a form agreeing the Programme terms and conditions. Subsequently, the Hospital will promptly arrange Life Assured’s admission to the ward without waiting for GL processing. Please note that admission to ward is subject to bed availability.

No. This Programme is only applicable to Life Assured aged 12 and below at the moment until further notice. 

This Programme is exclusively for Life Assured seeking treatment in the Great Journey Hospitals. 

Note: The following list of advanced medical treatments is non-exhaustive and is subject to periodic revision by Great Eastern Life Assurance (Malaysia) Berhad.

Information updated as on December 2023. 

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Disclaimer

Note: The list of advanced treatments above is non-exhaustive and subject to periodic revision by Great Eastern Life Assurance (Malaysia) Berhad (GELM)

• The coverage is subject to policy benefits with terms and conditions applied, given the medical condition is not pre-existing/non-disclosure/does not fall under policy exclusion
• GELM medical plans cover the above treatment procedures and drugs that have been approved by the Ministry of Health (MOH), Malaysia and the Food and Drug Administration (FDA), United States. Any treatment or drug which is still under clinical research or trial will NOT be covered, and any external implantable prosthetic devices/appliances not limited to the above treatments will NOT be covered as per policy exclusion. 
• The advanced treatments listed above will be covered under GELM medical plans only if they are deemed medically necessary and are justified by the treating physician to be the most optimal treatment in patient’s best interest, subject to the terms and conditions as per outlined in the policy contract 

For enquiries, please call Healthcare Service Careline at 1300–1 300 18 or email: healthcareservices@greateasternlife.com