Great MediCare 2
Medical insurance that keeps up with life’s many possibilities
The last thing you’d want when you meet with an unfortunate event or life-changing illness is to be left with unexpected medical bills. Great MediCare 2 is a comprehensive medical insurance plan that gives you the medical protection you need and eliminates your worries.
Great MediCare 2 even protects you against unpleasant surprises with an Overall Lifetime Limit of up to RM800,000 and an Overall Annual Limit of up to RM200,000, depending on your selected plan.
Key Benefit
Executive Second Opinion services
If you’re diagnosed with any of 40 major medical conditions, you can access Executive Second Opinion services from a medical specialist in the USA.
Coverage for outpatient treatments
By covering you for Outpatient Cancer Treatment and Outpatient Kidney Dialysis, Great MediCare 2 looks after you when you most need it.
24×7 help, easy hospital admission
Free yourself from administrative hassles. With this plan, you can just walk into any of our panel hospitals and we’ll take care of the rest for you.
Coverage wherever life takes you:
Travel the world with complete confidence. Whether you’re on business or on holiday, Great MediCare 2 gives you emergency medical assistance anywhere in the world.
Protection for your whole family:
Be rewarded for protecting your family. When you sign up two or more of your loved ones, you’ll receive a 5% discount on your premiums.
Great Medic Xtra + Great Extender
Comprehensive medical coverage for your healthcare needs
Having high medical bills can cause you and your loved ones financial stress and worry when faced with an unfortunate event. Therefore, it is crucial to have proper medical protection to ensure that you and your loved ones will not be financially burdened should the unexpected happen.
Great Medic Xtra offers you a comprehensive medical plan with no co-insurance, providing you the protection you need against high medical cost. The plan helps you to be financially protected with an Overall Annual Limit of up to RM160,000, depending on your selected plan, with no Overall Lifetime Limit.
Key Benefit
High Annual Limit, no Overall Lifetime Limit
Great Medic Xtra offers a high Overall Annual Limit and no Overall Lifetime Limit, giving you greater assurance when you require medical protection.
A host of benefits, no co-insurance
With no co-insurance payments required for your medical bill, you can focus on getting better while we take care of your medical expenses.
Coverage until 99 years next birthday
Receive protection up to the age of 99 years next birthday and live the best of life even in your golden years.
Coverage wherever life takes you:
Fly and travel around the world with full confidence. Be it on holiday or business trip, Great Medic Xtra grants you international emergency medical assistance service anywhere in the world.
Optional rider to extend the annual limit of Great Medic Xtra:
Great Extender extends the Overall Annual Limit of Great Medic Xtra to ten times of the deductible amount. It covers the eligible medical expenses incurred for all insured benefits accumulated in any one policy year, minus the deductible amount.
Smart Extender
Increase your medical protection with higher annual limit and no lifetime limit
Go the extra distance knowing that your medical needs will be well taken care of, when you need them most. In times of medical emergencies, you’d want your medical protection to be able to give you added peace of mind, enabling you to have access to proper medical care. That is why we’re introducing Smart Extender, a medical rider with deductible that provides higher annual limit and no lifetime limit to ease your burdens from the increasing medical expenses.
Key Benefit
High annual limit, no lifetime limit
Smart Extender offers a high overall annual limit equal to ten times of the deductible amount, with no lifetime limit.
A host of benefits, no co-insurance
With no co-insurance payments required for hospital inpatient, pre-hospitalisation and post-hospitalisation benefits, you can focus on getting well.
Coverage up to 80 years of age
With Smart Extender, you may be covered up to the age of 80 years, depending on the expiry or earlier termination of your attached medical rider.
Smart Extender Max
Extend your medical protection with higher annual limit and no lifetime limit
While you can’t be certain that you will always stay healthy, you can be prepared to cushion the effects of medical emergencies by ensuring that you have proper medical protection. Smart Extender Max relieves you of the financial burden should an unexpected event happen. It offers deductible plans that provide higher annual limit and no lifetime limit so that you have fewer worries about today’s ever-increasing cost of medical care.
Key Benefit
High annual limit, no lifetime limit
Smart Extender Max offers a high overall annual limit equal to ten times of the deductible amount, with no lifetime limit.
A host of benefits, no co-insurance
With no co-insurance payments required for hospital inpatient, pre-hospitalisation and post-hospitalisation benefits, you can focus on getting well.
Coverage up to 80 years next birthday
With Smart Extender Max, you will be covered up to the age of 80 years next birthday, giving you reassurance even in your golden years.
Smart Premier Health
Be rewarded for staying healthy
Introducing Smart Premier Health – an investment-linked medical rider that offers comprehensive medical security. Loaded with smart features, this plan rewards you when you are healthy and ease your worries when you are sick.
Unlike most medical plans in the market, Smart Premier Health offers you No Claim Discount on insurance charges, and annual limit increments just for staying healthy. On top of that, you will not be burdened with co-insurance payments should the unexpected happen. This means you have one less thing to worry about when you are admitted into a hospital. To top it all off, enjoy stress-free golden years by staying medically protected till age 80 years next birthday.
Key Benefit
Save up to 25% as you stay healthy
If no claim is made in a policy year, you will be rewarded with a No Claim Discount of up to 25%1 on your insurance charges for the next policy year.
Get even more as you stay healthy
Enjoy an increased Overall Annual Limit at the end of every 3 policy years, provided no claim is made in the immediate preceding 3 policy years.
Higher Hospital Room and Board limit
Get a 10% raise in your plan’s Hospital Room and Board limit at the end of every 3 policy years, up to a total of 100% of your plan’s initial limit.
Enjoy comprehensive medical benefits with no co-insurance:
The plan doesn’t just look after your medical needs, it also offers you added financial security. With no co-insurance payments required for hospital inpatient benefits such as surgical fees as well as pre-hospitalisation and post-hospitalisation treatments, you can just focus on getting better while we take care of the rest.
Be shielded with security of high lifetime limits:
Smart Premier Health shields you from costly medical bills with a lifetime limit of between RM2 million and RM6 million, depending on the plan selected.
Greater assurance with Critical Surgery Recovery Benefit:
In the event of a life changing illness, the plan provides financial support to aid your recovery. A one-time lump sum of RM20,000 is payable for recovery from a major organ or bone marrow transplant, heart valve surgery, surgery to aorta, surgery due to major burns or brain surgery.
SmartMedic
Comprehensive medical coverage for your healthcare needs
We want to stay healthy always. While we can’t be certain that we will enjoy good health for life, we can take steps to be prepared for accidents and illnesses by ensuring that we have access to proper medical care.
Introducing SmartMedic – the comprehensive medical rider for investment-linked insurance plans. With it, you have medical protection to cushion the effects of unexpected medical emergencies. By offering you comprehensive coverage for hospitalisation, surgical expenses and much more; SmartMedic will help to safeguard your health, while bringing you greater financial security too.
Key Benefit
Enjoy high annual and lifetime limits
Medical claims will be reimbursed in one lump sum, with a maximum initial annual limit of up to RM200,000 and a lifetime limit of up to RM2 million.
Comprehensive medical benefits
The plan’s key benefits include pre- and post-hospitalisation treatments, Outpatient Cancer and Kidney Dialysis Treatments, ICU expenses, and more.
Higher limits as you stay healthy
After every 3 ‘no-claim’ policy years, you’ll be entitled to a raise in your Overall Annual Limit – so you’re protected against rising medical costs.
Accidental Death Benefit adds to your protection:
Your loved ones will receive an Accidental Death Benefit of up to RM20,000 which will be payable, depending on your selected plan, in the event of accidental death.
Daily cash benefit to aid recovery:
You have even less need to worry about the medical expenses in the case of hospitalisation at a Malaysian Government Hospital. This plan pays you a daily cash benefit of RM50 per day, for up to 120 days per policy year.
Protection you can count on till you turn 80:
With SmartMedic, you can be medically protected till you are 80 next birthday, ensuring that you are better prepared to cope with any unforeseen circumstances even in your golden years.
Greater assurance when you travel the world:
When you travel abroad for a vacation or on business, you can rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world.
SmartMedic Xtra
Comprehensive medical coverage with no co-insurance for your healthcare needs
A good medical protection plan gives you the freedom and confidence to live life without being held back by financial concerns should you ever require medical attention. While you may have taken every precaution to live and lead a healthy lifestyle, an unexpected event can strike you or your loved ones without any warning.
SmartMedic Xtra offers you healthcare whenever you need it with no co-insurance. It allows you to enjoy more complete medical security and fewer financial worries.
Key Benefit
High annual and lifetime limits
Enjoy initial overall annual limit of up to RM200,000 and overall lifetime limit of up to RM2 million depending on your selected plan.
Comprehensive cover, no co-insurance
This plan handles your medical bill without imposing co-insurance, enabling you to worry less and focus on getting better.
Annual limit increments by being fit
By staying healthy, you will be rewarded with a 10% increase to your Overall Annual Limit at the end of every 3 ‘no-claim’ policy years.
Protection and coverage till age 80:
You will receive protection up to the age of 80 years next birthday, giving you more confidence to live the best of life even in your golden years.
Coverage wherever life takes you:
Fly and travel around the world with full confidence. Be it on holiday or business trip, SmartMedic Xtra grants you international emergency medical assistance service anywhere in the world.
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.
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 .
