SMART Health Protector + SMART Health Protector Plus | Medical Insurance Rider
SMART Health Protector + SMART Health Protector Plus | Medical Insurance Rider
Reach for Greater Medical Protection, Attain Better Peace of Mind
As you assume more responsibilities in life, from building a family to purchasing a house, protecting your health becomes increasingly important. With many more life milestones ahead, the last thing you want is to encounter unexpected medical expenses that could disrupt your financial stability, especially when you are your family’s sole breadwinner but yet require long-term care.
This is where Smart Health Protector can make a difference. By offering extensive coverage and cost-effective deductible options, this investment-linked medical rider provides a comprehensive range of medical benefits. These include pre- and post-hospitalisation treatments, outpatient support, Intensive Care Unit expenses and surgery fees, ensuring you have access to quality healthcare without compromising your personal finances and family security.
For greater protection, you can also level up your coverage and benefits by adding our optional medical rider, Smart Health Protector Plus. With it, you can increase your annual limit by an additional RM10 million, be covered with cancer-focused medical treatments and extend your post-hospitalisation coverage for serious conditions to 365 days.
Reach for greater medical protection and peace of mind today with Smart Health Protector and Smart Health Protector Plus.
View Product Brochure
Key benefits
-
Comprehensive medical coverage with various choices of deductible options tailored for different affordability and protection needs
Smart Health Protector offers comprehensive medical coverage with various choices of deductible options starting from RM500 per policy year. It covers medical expenses, including pre- and post-hospitalisation treatments, Intensive Care Unit expenses and surgical fees, emergency accidental outpatient treatment and accidental death1.
This flexibility allows you to customise your coverage based on your affordability and protection needs.
-
High overall annual limit with no overall lifetime limit provides financial peace of mind
Smart Health Protector offers a high annual limit of RM5,000,000 or RM8,000,000, with no overall lifetime limit, ensuring continuous medical coverage as you age. You can further extend your annual limit by RM10,000,000 with Smart Health Protector Plus, providing up to RM18,000,000 in total annual coverage.
This plan gives you financial peace of mind to focus on your recovery without worrying about healthcare expenses.
-
Expanded outpatient coverage to ease access to necessary medical treatment
Smart Health Protector offers expanded outpatient coverage for various conditions, including Dengue fever, Zika virus, Chikungunya fever, and more1.
-
Extended post-hospitalisation coverage to 365 days support for recovery needs
Smart Health Protector provides up to 200 days of post-hospitalisation care, including follow-up treatments, home nursing and therapies for recoverage needs1.
With Smart Health Protector Plus, coverage is extended to 365 days for serious conditions1.
-
First of its kind of extensive cancer focused coverage to support cancer healing journey
Smart Health Protector provides innovative cancer-focused coverage, including genomic testing to help doctors determine the most effective treatment.
With Smart Health Protector Plus, you gain additional benefits such as coverage for new cancer drugs, post-cancer screening and more1, supporting yoour recovery journey.
Let our Life Planning Advisor
assist you to
|
Answer your product enquiries |
|
Find the right plan that suits your needs and affordability |
Request a call back
Thank you for your enquiry. Fill in your details below and a Life Planning Advisor will get back to you within 48 hours.
Call times are Monday-Friday between 8.30am and 5.15pm (except Public Holiday).
Understand the details before buying
1 Terms and conditions apply.
Smart Health Protector and Smart Health Protector Plus are unit deducting medical riders 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 have the option to include Smart Health Protector Plus to your investment-linked insurance plan; however, it must be attached together with Smart Health Protector. If Smart Health Protector Plus is subsequently included to your investment-linked insurance plan after your coverage under Smart Health Protector becomes effective, then the first policy year of Smart Health Protector Plus will be adjusted accordingly and will be shorter than a year. For subsequent years, the policy anniversary of Smart Health Protector Plus will coincide with Smart Health Protector’s policy anniversary.
You should satisfy yourself that these riders 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.
This above 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 plans before purchasing the plans. 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.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. 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 1 January 2025.