SMART Critical Relief | Hospitalisation Insurance Plan
SMART Critical Relief | Hospitalisation Insurance Plan
Free yourself from financial worry upon hospitalisation
Health is one of the valuable assets that we possess in life, which is why we have to protect it. Staying healthy by eating right and exercising regularly is key, but so is being financially prepared in case we fall ill and require hospitalisation.
Smart Critical Relief helps you get the hospital care you need without worrying about the cost of treatment or the financial security of your loved ones. The plan provides you provides coverage on hospital and Intensive Care Unit (ICU) admission, up to 210% of the rider sum assured, iincluding hospital and ICU admission of any unknown diseases that may emerge in the future.
Everyone deserves the opportunity to have their health protected so that they can feel safe and secure. Reach for Great with Smart Critical Relief today and free yourself to live without worry.
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Key benefits
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Coverage on hospital and ICU admission up to 210% of rider sum assured
Should you need to be hospitalised, Smart Critical Relief Campaign will cover you up to 210% rider sum assured. This will help to lessen your family’s financial burden and help you focus on getting well again1 .
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Coverage for hospital admission event
This plan provides coverage for up to two claims under category 1 admission event, subject to a 1-year waiting period between claims1.
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Coverage for hospital and ICU admission of any unknown disease that may emerge in the future
Anything can happen in life, which is why Smart Critical Relief Campaign will also cover your hospitalisation if it is due to any unknown disease that may emerge in the future1.
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Understand the details before buying
1 Terms and conditions apply.
Smart Critical Relief Campaign is a unit deduction 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 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 Sales Illustration, 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 above are not exhaustive. 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.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).
Information correct as on 1 June 2024.