Smart Extender Max

Extend your medical protection with higher annual limit and no lifetime limit

While you can’t be certain that you will always stay healthy, you can be prepared to cushion the effects of medical emergencies by ensuring that you have proper medical protection.

Smart Extender Max relieves you of the financial burden should an unexpected event happen. It offers deductible plans that provide higher annual limit and no lifetime limit so that you have fewer worries about today’s ever-increasing cost of medical care.

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Key benefits

High overall annual limit, no overall lifetime limit

Smart Extender Max offers a high overall annual limit equal to ten times 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 99 years of age

With Smart Extender Max, you will be covered up to the age of 99 years next birthday, giving you reassurance even in your golden years.

How Smart Extender Max works

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.

Footnotes

Disclaimer

Smart Extender Max 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 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 on 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.

If there is any discrepancy between the English, Bahasa Malaysia and Chinese versions of this brochure, the English version shall prevail.

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

Information correct as on 16 January 2020.