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).

 

3. As part of Bank Negara Malaysia’s (BNM) ongoing efforts to ensure that all Insurance and Takaful industry players uphold their commitments and deliver services as outlined in their Customer Service Charter (CSC), both BNM and the Boards and Management Committees of the Associations (MTA/LIAM/PIAM) have approved the appointment of NielsenIQ Malaysia as the research agency to conduct the Customer Satisfaction Survey (CSS) 2024/25. Please visit our Announcement page for more information.

GREAT Health Direct | Affordable Online Medical Card & Insurance Plan | Health Insurance

An online medical insurance plan to protect you against life’s uncertainties

With medical costs on the rise, receiving quality health treatment may be costly. Yet, your health should always be a priority so that you may live your life to the fullest. It's never too early to start preparing a giant invisible umbrella for possible rainy days.

Introducing GREAT Health Direct – an affordable standalone online medical insurance plan that provides you medical coverage up to age 80. This plan is designed to ease your financial burden by helping you pay medical expenses in times of prolonged treatment and recovery.

To simplify application procedures, this plan is available for you to purchase online. Additionally, we do not require you to undergo any medical examinations; just answer a few simple health questions. Accessible healthcare is now right at your fingertips.

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Product Summary View Product Brochure Product Summary Product Disclosure (English) Product Summary Product Disclosure (Bahasa Malaysia)

Key benefits

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    Essential medical benefits

    This plan’s benefits include pre- and post-hospitalisation treatments, Outpatient Cancer and Kidney Dialysis Treatments, surgical expenses, and more1 .
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    Affordable premiums till age 80

    You will receive protection till the age of 80 years next birthday1 , giving you continuous coverage to live the best of life.
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    Easy application

    You only need to answer some simple health questions, and are not required to undergo any medical examinations in order to apply for this plan2 .
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    Coverage wherever life takes you

    Whether you’re travelling on business or on holiday, do it with confidence. GREAT Health Direct grants you access to emergency medical assistance anywhere in the world1 .

Your questions answered

1. What is GREAT Health Direct?

GREAT Health Direct is a non-participating standalone medical plan that offers essential medical coverage until age 80 years next birthday.

2. What are the benefits under this plan?

• Medical benefits
• Supreme Assist service (international emergency medical assistance)

3. Is this product suitable for me?

This product is suitable if you are looking for a non-participating standalone medical insurance plan. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.

1. Who can purchase?

• Individuals aged 18 to 50 years next birthday
• A Malaysian citizen residing in Malaysia, who
- has a valid Malaysian mobile number
- has a valid email address
- is the beneficial owner who ultimately owns and/or has effective control over the policy purchased
- does not have pre-existing health and medical conditions
- does not have high risk occupation

The eligibilities highlighted here are not exhaustive.The full eligibility list is available on our website at greateasternlife.com/my/direct.

2. Where can I purchase this plan?

You can purchase this plan directly from our website at greateasternlife.com/my/direct.

3. What documents do I need to provide?

• You need to upload soft copies of your NRIC, front and back, in PDF, PNG, JPG, BMP, or GIF format. Maximum file size is 2MB each.
• Complete the Application for Car Assistance Programme Form and email this form to NewBusinessDPI@greateasternlife.com after submission of your online application.

4. Can I purchase this plan if I already have another medical plan?

You are only allowed to have one medical plan with Great Eastern Life Malaysia.

1. What are the plan options available for purchase?

There is one plan available with Room & Board of RM200.

2. How much coverage do I need?

Click here and continue to get a quote to find out your coverage needs and affordability.

3. Is there any waiting period I should take note of?

Yes. Depending on the types of illnesses, a waiting period of either 30 or 120 days will apply.

Waiting Period 30 Days 120 Days
Illnesses
  • All illnesses except Specified
    Illnesses

Specified Illnesses such as:

  • Hypertension, diabetes mellitus
    and Cardiovascular diseases.
  • All tumours, cancers, cysts,
    nodules, polyps, stones of the
    urinary system and biliary
    system.
  • All ear, nose (including sinuses)
    and throat conditions.
  • Hernias, haemorrhoids, fistulae,
    hydrocele, varicocele.
  • Diseases of the Reproduction
    system including endometriosis
  • Vertebro-spinal disorders
    (including disc) and knee
    conditions.

1. How much premiums do I have to pay?

The premium that you have to pay for this plan varies by attained age next birthday, gender, occupational class, and premium mode. Premiums are payable throughout the policy term.

2. How do I pay my premiums?

You have the flexibility to pay your premium annually or half-yearly by credit card or debit card (issued by local banks).

3. What happens if I do not pay my premiums?

You have a 30-day Grace Period from the premium due date to pay the renewal premium, after which the policy will lapse if the premium remains unpaid upon the expiry of the Grace Period. 

1. What are some exclusions of the plan?

The major exclusions of GREAT Health Direct include:

• Pre-existing illness.

• Specified illnesses occurring within first 120 days from the risk commencement date of this plan.

• Plastic or cosmetic surgery.

• Dental conditions including dental treatment or oral surgery, except as necessitated by injury to sound natural teeth occurring in any policy year and performed by dentist.

• Any treatment or surgical operation for congenital conditions or deformities including hereditary conditions.

• Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility.

• Sickness or injury arising from racing of any kind (except for foot racing), hazardous sports such as but not limited to sky-diving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports, and illegal activities.

• Any medical treatment outside Malaysia, if you reside or travel outside Malaysia for more than 90 consecutive days.

The exclusions highlighted here are not exhaustive. Full details are available in your policy document

* Please take note that before you can proceed with any policy servicing request, you are required to perform a one-time signature update Over-the-Counter. You may visit our Customer Service Centre at our Head Office or any of our branches for the signature update.

1. How do I check the status of my application?

You will be notified via email on your application status within 5 working days. If your application is accepted, you will receive your electronic policy contract via e-Connect. If you have not received any email after 5 working days, please write in to wecare-my@greateasternlife.com with your full name and NRIC number.

2. How do I access or view my electronic policy (ePolicy) contract?

Once your policy is inforce, you will be notified via SMS and email to sign up or log in to e-Connect to view your ePolicy contract within 2 working days. For first-time users, you will need to sign up for an e-Connect account.

3. What should I do after I have viewed my ePolicy contract?

After you have viewed your ePolicy contract, remember to acknowledge receipt of the policy document, by selecting on the Acknowledge checkbox for the selected policy, followed by “I acknowledge receipt of the policy document” checkbox and Continue button.

4. What do I need to do if I have any policy servicing request*?

You can log in to e-Connect and click on the My Service Request tab to change your payment method/frequency via online policy servicing, or click on My Mailbox to send your enquiry through our secured mail.

5. How do I make a Nomination?

You can make a Nomination by filling up the Appointment / Change of Nominee(s) / Trustee(s) Form* and mail the form to our Head Office or any of our branches.

6. How do I appoint a Trustee?

You can appoint a Trustee by filling up the Appointment / Change of Nominee(s) / Trustee(s) Form* and mail the form to our Head Office or any of our branches.

However, if your form is not completed with a witness detail and signature, please visit our Customer Service Centre at our Head Office or any of our branches together with the person(s) you wish to appoint as the Trustee to complete the Appointment / Change of Nominee(s) / Trustee(s) Form* and update your Trustee’s signature Over-the-Counter.

7. Can I reinstate my policy?

Your policy can be reinstated within 2 months from the lapsed date with no underwriting required. Please pay the outstanding payment/s inclusive of interest (if any) within 2 months from the lapse date.

8. Can I cancel my policy?

If you cancel your policy within the free-look period of 15 days, the full premium will be refunded to you. You may submit your cancellation request in writing*.

9. How much will I get upon surrender of my policy?

This plan has no surrender value. However, upon cancellation of the policy by policyowner, you will be entitled for a proportionate refund (where applicable) of the last premium paid. To find out the refund proportion, please click here.

10. How do I get my Premium Statement for income tax declaration?

You can log in to e-Connect and click on the My Portfolio/e-Document tab to view/print your yearly Premium Statement (SLAPP) for income tax declaration.

11. Can I register or update my car registration number for Car Assistance Programme after my policy is inforce?

Yes, you can submit the Application for Car Assistance Programme Form later to our Customer Service Centre at Head Office or any of our branches. However, any delay in updating your car registration number may cause rejection of your service request under the Car Assistance Programme as this benefit does not cover unregistered car number.

1. How do I make a claim?

The documents required vary according to the types of claims. Click here for a step-by-step guide on making a claim.

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Understand the details before buying

1 Terms and conditions apply.

2 All insurance applications are subject to Great Eastern Life’s underwriting and acceptance.

GREAT Health Direct is a non-participating standalone medical plan that offers medical coverage until age 80 years next birthday. Premiums are payable until the end of the policy term.

You should satisfy yourself that this plan 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 the policy is cancelled during this period, the full premium would be refunded to the policy owner minus the expenses incurred for medical examination, if any. If you switch your medical policy from one company to another or if you exchange your current medical policy with another medical policy within the same company, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of policy switching or replacement.

Cessation of premium payment before the end of the premium payment term may lead to early termination of coverage. Premiums are non-guaranteed and the Company reserves the right to revise the premium on your policy anniversary by giving you at least 3 months’ advance written notification.

This brochure is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. You may refer to the consumer education booklet on Medical and Health Insurance (MHI) for more information. 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.

The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. 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 on 23 May 2024.