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SmartMedic Million + SmartMedic Million Plus

Health Insurance

SmartMedic Million + SmartMedic Million Plus

Comprehensive medical coverage in times of need

In the current climate of constant medical cost inflation, receiving the proper healthcare that you deserve can be a large financial setback, particularly in times of unexpected medical emergencies. With this growing concern in mind, we’ve developed a plan that makes the best of its valuable features to safeguard you and your loved ones in times of need.


Meet SmartMedic Million – an investment-linked medical rider that offers you comprehensive medical and hospitalisation benefits, with four types of Hospital Room and Board. You’ll also be protected until the age of 100 years next birthday, and can choose to attach an optional rider that extends your yearly medical coverage by an additional RM2 million.


To top it all off, enhance your SmartMedic Million plan by attaching SmartMedic Million Plus – an optional add-on rider that waives your deductible and provides additional financial support in the event of hospitalisation or accidental death. This way, you can fully focus on getting better, with secure medical coverage that you can always count on.

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Key benefits – SmartMedic Million


Comprehensive medical benefits with minimal deductible per disability

SmartMedic Million grants you access to various comprehensive medical benefits with a deductible of RM300 per disability1 . The plan’s key benefits include pre- and post-hospitalisation treatments, outpatient cancer and kidney dialysis treatments, dengue fever and Zika virus treatment, ICU expenses, surgical fees and more1


High Overall Annual Limit, no Overall Lifetime Limit

This plan offers a high Overall Annual Limit up to RM2,000,000 which refreshes every year, depending on your selected plan option and no Overall Lifetime Limit1 .


Protection up to age 100 years next birthday

With SmartMedic Million, continuous medical protection up to age 100 years next birthday will further assist you in facing any unforeseen circumstances, even in your golden years1 .


Regular increments to the Hospital Room and Board Limit

A 10% increase to your Hospital Room and Board Limit at the end of every 3 policy years2 , up to a cumulative total of 100% the initial Hospital Room and Board limit1 .


Optional rider to further extend your Overall Annual Limit

You can choose to attach SmartMedic Million Extender, an optional rider that extends the Overall Annual Limit of your selected SmartMedic  Million plan by an additional RM2,000,0001 .

Key benefits – SmartMedic Million Plus


Deductible waiver for your SmartMedic Million plan

SmartMedic Million Plus waives the RM300 deductible of your SmartMedic Million plan, giving you one less thing to worry about during medical emergencies1 .


Prolonged coverage for Post-Hospitalisation Treatment

This rider prolongs the coverage for your post-hospitalisation treatment as offered by SmartMedic Million beyond 90 days, from the 91st day to the 200th day after your hospital discharge1 .


Daily Guardian Benefit

There will be a reimbursement of RM150 per day3 for expenses incurred for meals and lodging by guardians while accompanying you in the hospital1 .


Higher Daily Cash Allowance

In the event of hospitalisation at a Malaysian government hospital, you can rest assured and focus on your recovery with an additional Daily Cash Allowance of RM150 per day4,1 .


Additional protection for accidental death

In the event of accidental death, SmartMedic Million Plus provides an additional payout of RM20,000, on top of the existing accidental death benefit of SmartMedic Million1 .

Limited special offer

Sign up now to get extra RM2 million medical coverage at no additional cost* — from 1 September 2021 to 31 January 2022 only!

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.

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