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Smart Extender

Smart Extender -  Great Eastern

Increase your medical protection with higher annual limit and no Overall Lifetime Limit

Additional medical protection when you need it most

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 Overall Lifetime Limit to ease your burdens from the increasing medical expenses.

Key benefits

High Annual Limit & no Lifetime Limit

Smart Extender offers a high Overall Annual Limit equal to ten times of the deductible amount1, with no Overall Lifetime Limit1.

A host of benefits, no co-insurance

With no co-insurance payments required for hospital inpatient, pre-hospitalisation and post-hospitalisation benefits1, you can focus on getting well.

Coverage up to 80 years of age

With Smart Extender, you may be covered up to the age of 80 years1, depending on the expiry or earlier termination of your attached medical rider.

Protection and coverage till age 99 (optional)

Enjoy extended protection by attaching an optional rider – Smart Extender 99 to extend the current medical coverage from 80 years next birthday to 99 years next birthday1.

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Footnotes and Disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern life planning advisor or have us call you back.


1 Terms and conditions apply.


Smart Extender and Smart Extender 99 are unit-deduction medical riders attachable to selected regular premium investment-linked insurance plans. These plans are insurance products that are tied to the performance of the underlying assets, and are not pure investment products such as unit trusts. The insurance charge to be imposed will be deducted from the total investment value of your policy on a monthly basis. You may stop paying premiums under the policy and still enjoy protection as long as there is sufficient total investment value to pay for the insurance charge. However, there is a possibility of the policy lapsing when the required charges, including rider charges exceed the total investment value of the fund units available. Purchasing too many unit-deduction riders may deplete the fund units.

You have the option to include the Smart Extender to your investment-linked insurance plan; however, Smart Extender must be attached together with SmartMedic, Smart Extender, Smart Premier Health, IL Health Protector, IL HealthCare Benefit or any other eligible investment-linked medical rider as determined by the Company from time to time. The Deductible Amount under Smart Extender must correspond to your medical rider’s Initial Overall Annual Limit, e.g. SE60K for SM100, SE90K for SM150 or SMX150 and SE120K for SM200 or SMX200. If Smart Extender is not effected on the policy anniversary of the eligible medical rider, Smart Extender’s first policy year will be adjusted accordingly and will be shorter than a year. For subsequent years, Smart Extender’s policy anniversary will coincide with the eligible medical rider’s policy anniversary.

You also have the option to include Smart Extender 99 to your investment-linked insurance plan; however, Smart Extender 99 must be attached together with the corresponding Smart Extender. Each Smart Extender plan only allows one corresponding Smart Extender 99 plan for optional attachment, e.g. SE60K-99 for SE-60K, SE90K-99 for SE90K, SE120K-99 for SE120K, SE160K-99 for SE160K and SE200K-99 for SE200K.

You should satisfy yourself that this rider will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the newly purchased Medical and Health Insurance product (MHI). If a rider is cancelled during this period, the policy owner is entitled to the reinstatement of the units deducted for the payment of insurance charge after net of expenses incurred for the medical examination, if any. If you switch your Medical Policy/Rider from one company to another or if you exchange your current Medical Policy/Rider with another Medical Policy/Rider within the same company, you may be required to submit an application where acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of Policy/Rider switching or replacement.

The above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet, consumer education booklet on MHI and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted above are not exhaustive. Great Eastern Life reserves the right to revise the benefit structure and restrictions/limitations for these riders on policy anniversary or upon renewal by giving at least 30 days' notice. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life.

The terms "Great Eastern Life" and "the Company" shall refer to Great Eastern Life Assurance (Malaysia) Berhad.

Information correct as of 12 May 2017.

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Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd
Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd