SMART Health Protector | Medical Insurance Rider
SMART Health Protector | Medical Insurance Rider
Reach for Greater Medical Protection, Attain Better Peace of Mind
As you assume more responsibilities in life, from building a family to purchasing a house, protecting your health becomes increasingly important. With many more life milestones ahead, the last thing you want is to encounter unexpected medical expenses that could disrupt your financial stability, especially when you are your family’s sole breadwinner and require long-term care.
This is where Smart Health Protector can make a difference. By offering extensive medical coverage and cost-effective deductible options, this investment-linked medical rider provides a comprehensive range of medical benefits. These include pre- and post-hospitalisation treatments, outpatient support, Intensive Care Unit expenses and surgery fees, ensuring you have access to quality healthcare without compromising your personal finances and family security.
Stay healthy and unlock the rewards through Wellness Reward^
A comprehensive medical rider should not only protect you when illness strikes, it should reward you when you stay healthy too.
Wellness Reward^ rewards your commitment to better health. Whether you stay healthy with claim-free or receive treatment at The Great Journey medical service providers, you can accumulate bonuses that can be used for primary and preventive healthcare, along with a range of special benefits.
Embrace healthy living with Wellness Reward^ which complements Smart Health Protector to help you reach for greater medical protection and peace of mind today.
View Product Brochure (English)
View Product Disclosure Sheet (English) - Smart Health Protector
View Product Disclosure Sheet (English) - Smart Health Protector Exclusive
View Product Disclosure Sheet (Bahasa Malaysia) - Smart Health Protector
View Product Disclosure Sheet (Bahasa Malaysia) - Smart Health Protector Exclusive
View Appendix (English) - Smart Health Protector Exclusive
View Appendix (Bahasa Malaysia) - Smart Health Protector Exclusive
Key benefits
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Unlock more benefits with Wellness Reward^ as you stay healthy
Wellness Reward^ is a dedicated healthcare wallet under Smart Health Protector, designed to store your bonuses for the use on selected healthcare benefits.
Eligible bonuses will be automatically credited to your Wellness Reward^ when you stay claim-free, or when you choose to receive treatment from any The Great Journey medical service provider.
You can use the accumulated bonuses in your Wellness Reward^ to support your well-being through preventive care benefits and elevate your healthcare protection with special benefits.
Please click here for more information on Wellness Reward^.
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Comprehensive medical coverage with various choices of deductible options tailored for different affordability and protection needs
Smart Health Protector offers comprehensive medical coverage with various choices of deductible options starting from RM500 per policy year. It covers medical expenses, including pre- and post-hospitalisation treatments, Intensive Care Unit expenses and surgical fees, emergency accidental outpatient treatment and accidental death1.
This flexibility allows you to customise your coverage based on your affordability and protection needs.
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High overall annual limit with no overall lifetime limit provides financial peace of mind
Smart Health Protector offers a high annual limit of RM3,000,000, with no overall lifetime limit, ensuring continuous medical coverage as you age.
This plan gives you financial peace of mind to focus on your recovery without worrying about healthcare expenses.
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Expanded outpatient coverage to ease access to necessary medical treatment
Smart Health Protector offers expanded outpatient coverage for various conditions, including Dengue fever, Zika virus, Chikungunya fever, and more1.
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Extended post-hospitalisation coverage to 200 days support for recovery needs
Smart Health Protector provides up to 200 days of post-hospitalisation care, including follow-up treatments, home nursing and therapies for recoverage needs1.
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Extensive cancer coverage to support cancer healing journey
Smart Health Protector provides innovative cancer coverage, including genomic testing to help doctors determine the most effective treatment.
Your questions answered
Category | Minimum Entry Age | Maximum Entry Age |
Life Assured | 14 days attained age | 70 years age next birthday* |
Life Assured | 13 weeks of gestational period | 36 weeks of gestational period |
*For deductible option of RM20,000 with Retirement Option, the maximum entry age is 59 years age next birthday.
Note: Terms and conditions apply.
Smart Health Protector provides outpatient treatment coverage that goes beyond the common illnesses such as:
- Dengue Fever
- Zika Virus
- Chikungunya Fever
- Influenza A
- Influenza B
- Hand, Foot and Mouth Disease
- Bronchitis
- Pneumonia
- Acute Gastroenteritis*
- Acute Bronchiolitis*
- Acute Sinusitis*
- Acute Tonsillitis*
You can refer to latest list of conditions covered under outpatient treatment of Smart Health Protector at:
*These conditions will be reviewed by Great Eastern Life Assurance (Malaysia) Berhad and may be included or excluded from time to time.
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Understand the details before buying
1Terms and conditions apply.
^Applicable only to RM500 deductible option under Smart Health Protector.
Smart Health Protector is a unit deducting 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 should satisfy yourself that these riders 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 Medical and Health Insurance (MHI) product. 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.
This above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plans before purchasing the plans. 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 October 2026.