SmartMedic Million

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. To top it all off, you’ll be protected until the age of 100 years next birthday, allowing you to enjoy greater financial and medical security well into your golden years.

Download brochure

Print this

Key benefits

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 .

Limited special offer

Sign up now to get extra RM2 million medical coverage at no additional cost* and Complimentary Digital Health Consultation Service. Now extended to 31 January 2021!

Find out more

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

SmartMedic Million 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 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.

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 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 at 1 January 2021.