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SmartMedic Shield & Shield Plus (Banner): Investment-Linked Medical & Insurance Rider - Great Eastern Life Malaysia

Health Insurance

SmartMedic Shield + SmartMedic Shield Plus | Medical Insurance Rider

Extensive medical coverage for your healthcare needs

Medical costs and health setbacks are prevailing issues that often stand the test of time. Which is why you should always ensure that you are well protected with the right medical coverage should a hospitalisation event occur.


With SmartMedic Shield, an investment-linked medical rider that offers you three varying Hospital Room and Board, you will have access to an extensive medical and hospitalisation benefits to aid you towards your great recovery. Additionally, you can choose between a coverage term of up to 80 years or 100 years next birthday, allowing you to plan your medical coverage according to your personal needs. 


To top these all off, your protection can be further enhanced with an optional rider, SmartMedic Shield Extender that extends your yearly medical coverage, strengthening your personal safety net when times get tough.

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Key benefits – SmartMedic Shield


Comprehensive medical benefits with minimal deductible per disability 

SmartMedic Shield 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.


Post-hospitalisation support for your full recovery

SmartMedic Shield covers you for the follow-up treatment and home nursing care after your discharge, in relation to treatments for wound, respiratory, diabetes care, and more; as prescribed by the treating physician.

Other than that, SmartMedic Shield plan with Room and Board RM400 further reimburses you for post-hospitalisation chiropractic, speech therapy, or occupational therapy by a specialist or physician; alongside treatments by a registered traditional Chinese medicine practitioner1


High Overall Annual Limit, no Overall Lifetime Limit

SmartMedic Shield offers a vital financial buffer to foot your medical bills, with a high Overall Annual Limit and no Overall Lifetime Limit. The Overall Annual Limit, which refreshes every year, goes up to RM2,000,000, depending on your selected plan1.


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.


2 coverage term options to suit your protection needs  

SmartMedic Shield provides you the medical coverage term options of up to age 80 or 100 years next birthday, allowing you to plan your life ahead, based on your personal protection needs1.


Optional rider to further extend your Overall Annual Limit 

To strengthen your financial certainty in times of medical difficulties, you can also choose to attach SmartMedic Shield Extender, an optional rider that extends the Overall Annual Limit of your selected SmartMedic Shield plan by an additional RM2,000,000.

Key benefits – SmartMedic Shield Plus


Deductible waiver for your SmartMedic Shield plan

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


Prolonged Post-Hospitalisation Treatment coverage

This rider prolongs the coverage for your post-hospitalisation treatment as offered by SmartMedic Shield 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 Shield Plus provides an additional payout of RM20,000, on top of the existing accidental death benefit of SmartMedic Shield1.

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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