1. For Life Insurance Medical Repricing queries, contact our Careline team at +603-48133928 from Monday to Friday, 8.30am to 5.15pm (except Public Holiday).

 

2. For General Insurance Medical Repricing queries (Easi Health and Easi HealthCare), contact our Careline team at +603-42598900 from Monday to Friday, 8.30am to 5.15pm (except Public Holiday).

SMART Multi Critical Care | Multipay Critical Illness Benefit Rider with Comprehensive Coverage

The life-protecting critical illness solution against 188 conditions

Being diagnosed with a critical illness is a life-altering event. Not only will it affect your health, finances and emotional wellbeing, it will also take a toll on your loved ones and their future. With so many challenges in front of you on the road to recovery, it’s comforting to know there is a comprehensive critical illness rider that can support you through these trying times.

Smart Multi Critical Care provides you with extensive coverage against 188 conditions through the plan’s critical illness benefit as well as special benefit. You’ll be pleased to know that multiple claims are allowed across early to advanced stages of the critical illness benefit. What’s more, the total coverage payable under the critical illness benefit and special benefit can be up to 860% of the rider sum assured. With Smart Multi Critical Care, you and your loved ones will have a strong financial buffer, so you can focus on what’s most important – your recovery.

Product Summary View Product Brochure

Key benefits

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    Critical illness coverage up to 800% the rider sum assured

    Smart Multi Critical Care offers comprehensive coverage against 178 critical illness conditions across early, intermediate and advanced stages1 , up to a total of 800%2,3  the rider sum assured4 .

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    Double protection against cancer, heart attack and stroke

    You are entitled to receive up to an additional 100% of your rider sum assured for each of these 3 prevalent critical illnesses5,4.

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    Additional special benefit of up to 60% the rider sum assured

    The diabetes recovery benefit⁶ above would help to support your treatment and recovery, offering better peace of mind while managing diabetes and other health challenges.

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    Continuous protection up to age 100 years next birthday

    Depending on your selected investment-linked insurance plan and rider coverage term, this rider protects you up to the age of 100 years next birthday4 .

How Smart Multi Critical Care Works

Great Eastern

Your questions answered

A critical illness rider (or CI rider) is an optional add-on to your insurance policy, offering a lump sum payout if you are diagnosed with one of the specified critical illnesses. Smart Multi Critical Care is a critical illness rider that covers 188 conditions during the rider term.

This rider is designed to provide more comprehensive protection for you and your family by covering major medical expenses or loss of income resulting from critical illnesses.

Category

Entry Age

Life Assured

(Unborn Child)

Minimum

13 weeks of gestational period

Maximum

36 weeks of gestational period

Life Assured

Minimum

14 days attained age

Maximum

70 years next birthday

Note: Terms and conditions apply.

Life Assured

Rider Sum Assured

Minimum

Maximum (per life)

Unborn Child

RM12,000

RM60,000

1 to 15 years age next birthday

RM250,000

16 to 70 years age next birthday

RM1,500,000

The rider will be terminated on the earliest of the following:

·     Death of the life assured.

·     Upon full settlement of the total coverage payable under the critical illness benefit and special benefit.

·     On the policy anniversary on which the life assured’s age is 85 years next birthday if the total amount paid for the critical illness benefit is equivalent to or more than 100% of the rider sum assured.

·     Upon this rider’s expiry date.

·     When the attached basic policy has lapsed, is surrendered, becomes void or terminated.

·     When the Company receives your request for termination in writing.

Note: Terms and conditions apply.

Our Smart Multi Critical Care plan offers extensive coverage against 188 conditions, with each special benefit providing a payout of 20% of the Rider Sum Assured:

No.

Special Benefit

Benefit Payout

20% of the Rider Sum Assured

1

Diabetes Recovery Benefit

-    Surgery for Type 2 Diabetic Retinopathy

-    Limb Amputation due to Type 2 Diabetic Complications

-    Severe Diabetic Nephropathy resulting in Kidney Failure

-    Diabetic Coma

2

Mental Illness Benefit

-    Severe Major Depressive Disorder (MDD)

-    Bipolar Disorder I

-    Severe Obsessive-Compulsive Disorder (OCD)

-    Schizophrenia

-    Schizoaffective Disorder

3

Total Quadriplegia as a Result of Spinal Cord Injury

Total Quadriplegia as a Result of Spinal Cord Injury

Let our Life Planning Advisor
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Thank you for your enquiry. Fill in your details below and a Life Planning Advisor will get back to you within 48 hours.

Call times are Monday-Friday between 8.30am and 5.15pm (except Public Holiday).

Product
SMART Multi Critical Care | Multipay Critical Illness Benefit Rider with Comprehensive Coverage

Understand the details before buying

1 The percentage of the rider sum assured payable depends on the stage of the critical illness.

Only applicable prior to age 85 years next birthday, after which the total amount payable for the critical illness benefit will become 100% of the rider sum assured.

3 Subject to a maximum of RM5,000,000 per life, aggregated with all critical illness benefit payable under all policies (excluding Bancassurance and Group policies) issued by the Company.

4 Terms and conditions apply.

5 Subject to a maximum of 400% of the rider sum assured in aggregate for cancer, heart attack and stroke.

6 The diabetes recovery benefit will cease at age 85 years next birthday.

Smart Multi Critical Care 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 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. 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 at 1 June 2024.

Now covers more critical illness conditions!

Effective 25 January 2021, the critical illness coverage under this plan has been increased from 180 conditions to 188 conditions. Coverage for these 8 additional critical illness conditions can be enjoyed by all new and existing policies at no extra cost!

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