Select your country and language
  • English

Smart Premier Health

Smart Premier Health – Great Eastern Life

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.

Key benefits

Save up to 25% as you stay healthy

If no claim is made in a policy year, you will be rewarded with a No Claim Discount of up to 25%1 on your insurance charges for the next policy year2.

Get even more as you stay healthy

Enjoy an increased Overall Annual Limit at the end of every 3 policy years, provided no claim is made in the immediate preceding 3 policy years2.

Higher Hospital Room and Board limit

Get a 10% raise in your plan's Hospital Room and Board limit at the end of every 3 policy years, up to a total of 100% of your plan's initial limit2.

Enjoy comprehensive medical benefits with no co-insurance

The plan doesn’t just look after your medical needs, it also offers you added financial security. 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 rest2.

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 selected2.

Greater assurance with Critical Surgery Recovery Benefit

In the event of a life changing illness, the plan 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 surgery2.

Life planning advisor

Contact a life planning advisor

Talk to your Great Eastern life planning advisor to see which insurance solutions are right for you. No representative yet? Simply browse through our list of life planning advisors.

Visit Us

Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur

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 Depending on the number of consecutive years of which no claim was made.

2 Terms and conditions apply.


Smart Premier Health is a unit-deduction medical rider 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 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 over 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 this rider 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 on 1 February 2015.

Back to top
Need help?
Calling in Malaysia
Calling from overseas
Email us
Visit us
Make a claim
Find a Life Planning Advisor
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