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.
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 million1.
The plan’s key benefits include pre- and post-hospitalisation treatments, Outpatient Cancer and Kidney Dialysis Treatments, ICU expenses, and more1.
After every 3 ‘no-claim’ policy years, you’ll be entitled to a raise in your Overall Annual Limit1 – so you’re protected against rising medical costs.
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 death1.
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 year1.
With SmartMedic, you can be medically protected till you are 80 next birthday, ensuring that you are better prepared to cope with any unforeseen circumstances even in your golden years1.
When you travel abroad for a vacation or on business, you can rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world 1.
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.
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303 Jalan Ampang
50450 Kuala Lumpur
1 Terms and conditions apply.
SmartMedic is a unit-deduction medical rider attachable to selected regular premium investment-linked insurance plans. This plan is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product 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.