Level Up Medical Coverage Campaign (Investment-linked)
For selected customer with eligible investment-linked medical rider only.
Additional information
What is Level Up Medical Coverage Campaign?
Level Up Medical Coverage Campaign (“Campaign”) offers Selected Customer (refer to Question 3 below) who currently has an active medical policy as per the listed unit deducting medical rider(s) (“Existing Medical Rider”) (refer to Question 4 below) the opportunity to convert the Existing Medical Rider to our latest unit deducting medical rider(s), which offers enhanced medical benefits without requiring medical underwriting.
The Selected Customer can choose to convert their Existing Medical Rider(s) to our latest unit deducting medical rider(s) in one of the following options:
Note: Terms and conditions apply.
What is the offer period of the Campaign?
The Campaign is available for a limited period from 10 March 2025 to 30 April 2025 (both days inclusive). Application must be submitted within the stipulated period and the Company will not accept any application submitted outside of the stipulated period.
Who is eligible for this Campaign?
Only customers who received the offer letter (“Selected Customer”) are eligible for this Campaign.
Which unit deducting medical riders are eligible for this Campaign?
This Campaign is available for the selected withdrawn unit deducting medical riders listed below:
*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).
What is the minimum and maximum entry age of SHPE / SHPPE?
The minimum entry age is 14 days attained age and the maximum entry age is 55 years next birthday.
What is the Room & Board (R&B) options available for the converted SHPE / SHPE + SHPPE in this Campaign?
There are two (2) R&B options offered (RM200 & RM300) for the converted SHPE / SHPE + SHPPE, and will be determined by the R&B of your Existing Medical Rider as shown in the table below:
What are the deductible options available for the converted SHPE SHPE + SHPPE under this Campaign?
There is only one (1) deductible option of RM500 available for the converted SHPE / SHPE + SHPPE in this Campaign.
Can I opt for other Room & Board (R&B) or deductible options which is different from what is offered?
No, you can only convert to either one of the options in Question 1 above i.e. SHPE or SHPE + SHPPE as stated in the offer letter. If you wish to convert to another R&B or deductible option, you may choose to buy Smart Health Protector and Smart Health Protector Plus (if applicable), which offers similar benefits but requires medical underwriting and a standard waiting period shall apply.
Can I add on other riders or change existing riders when performing the authorisation to convert in e-Connect?
No, you are only offered to convert to SHPE or SHPE + SHPPE as stated in the offer letter. If you are interested in adding other rider(s) or changing any existing rider(s), you can contact your servicing agent for assistance. Please note that any changes will be subject to the standard underwriting process.
Is medical underwriting required to convert my Existing Medical Rider to SHPE / SHPE + SHPPE offered under this Campaign? Is there any waiting period?
No, this Campaign offers guaranteed acceptance with no medical underwriting for the Selected Customer. Furthermore, waiting periods are waived provided your Existing Medical Rider has passed their waiting periods. Otherwise, the waiting period will continue to be applicable in SHPE / SHPE + SHPPE for the remaining term if the waiting period has not yet passed in your Existing Medical Rider.
How do I know if I am selected for the offer in this Campaign?
You will receive an SMS and/or email notification regarding this offer. If you are an e-Connect user, you may view/download the offer letter in e-Connect under My Document >> Important Notification. Your servicing agent will have a copy of your offer letter too.
If you are not currently an e-Connect user, please sign up at https://econnect-my.greateasternlife.com. You are required to sign up for an e-Connect account as e-Connect is a dedicated portal for our customers to view their insurance portfolio, perform selected transactions online and check the status of their claims.
If I am not a Selected Customer, can I appeal to the Company to convert my Existing Medical Rider under this Campaign?
No, the offer in this Campaign is offered to the Selected Customer only. However, if you are not selected or if you are selected but did not convert your Existing Medical Rider within the offer period of the Campaign, you can choose to buy Smart Health Protector and Smart Health Protector Plus (if applicable), which offers similar benefits but requires medical underwriting and a standard waiting period shall apply.
How do I accept the offer in this Campaign to convert my Existing Medical Rider?
Please contact your servicing agent for a detailed quotation on the new medical rider offered and to assist you through the conversion process.
If my Existing Medical Rider lapses during the Campaign period, can I still proceed with the conversion?
Yes, you may proceed to convert as long as your Existing Medical Rider is reinstated during the Campaign period before you proceed with the conversion request. However, this Campaign offer will be voided if the underwriting decision upon reinstatement reveals any substandard conditions.
What will happen to my Existing Medical Rider after I have converted it under this Campaign?
Your Existing Medical Rider including all secondary medical riders, if any will be terminated automatically when SHPE or SHPE + SHPPE is in force.
When will the SHPE or SHPE + SHPPE coverage take effect?
The coverage will take effect from the next monthly due date of the insurance charge after the conversion is completed.
Will converting my Existing Medical Rider through this Campaign require an additional premium?
Yes, you will need to pay the new premium amount specified in the offer letter. Once you have completed the conversion through this Campaign, the new premium will apply from the next premium due date based on your current payment frequency.
How do I pay for the new premium amount?
The new premium will follow your current premium payment arrangement as mentioned below:
– For EasiPay auto-deduction service via credit/debit card, the new premium will be charged automatically to the same credit/debit card.
– For GIRO auto-deduction from savings/current account or banker’s order, please arrange with your respective bank to remit the new premium amount prior to the next premium due date. Otherwise, this may result in unsuccessful auto-deduction and your policy may lapse. Alternatively, you can subscribe to EasiPay auto-deduction service online via e-Connect.
– For other payment methods, the new premium must be paid to the Company in full.
Will converting my Existing Medical Rider through this Campaign affect my policy sustainability?
The incremental premium amount as shown in the offer letter is to restore the policy sustainability to its original position before the conversion, regardless of the total investment value of the policy.
If my policy is attached with a premium waiver rider(s) and/or payer benefit rider(s), how will the new premium amount impact my premium waiver rider(s) and/or payer benefit rider(s)?
For policies with waiver and/or payer rider(s) attached, the sum assured for these riders will remain unchanged. It will NOT be adjusted by the same quantum of the premium increment.
If my policy is under premium holiday, am I required to clear all the overdue premiums before submitting the conversion request through this Campaign?
No. Please note that your new premium will take effect from the next premium due date. However, we strongly encourage you to settle all overdue premiums before accepting this offer for your policy to be sustained up to the Full Contractual Term/Maturity Term.
How long does it take to process my application after submission?
Applications are typically processed within 10 working days after submission. However, delays may occur if any documents are missing or if additional information is required.
How do I know if my conversion has been successfully processed?
Once the conversion is successful, you will be notified via email/SMS. The endorsement will be made available in e-Connect >> My Document >> My Policy Contract & Endorsement after 1 month from the submission date.
Can I cancel my conversion after it has been processed?
You may cancel your new rider(s) within the free look period, which is 15 calendar days from the endorsement issued date. The Company will then reinstate the units that have been deducted for the payment of insurance charges. To reinstate the Existing Medical Rider, you have to submit a request letter to the Company within 15 calendar days from the endorsement issued date under the free look period.
Where can I get further information or assistance?
Should you need any further information or assistance, please reach out to your servicing agent. Otherwise, you may email us at wecare-my@greateasternlife.com or contact our Customer Service Careline at 1300-1300-88 or visit our branch office nearest to you.
I had received the ‘Annual Sustainability Notice for Investment Linked Policy’ and the ‘Insurance Charges Revision Letter’ earlier and have now received the ‘Level Up Medical Coverage Campaign Offer Letter’. Which letter should I refer to and what are the options available?
The purposes of these communications are different.
1 – The ‘Annual Sustainability Notice for Investment Linked Policy’ is to inform you on your policy status and its sustainability up to its full contractual term. If the policy is not sustainable, a suggested premium increment via the Great Saver Rider (GSR) / Single Premium Top Up (SPTU) / Regular Premium Top Up (RPTU) will be provided in the letter. The suggested premium increment stated in this letter is optional; you have the choice to vary the amount based on your preference.
2 – The ‘Insurance Charges Revision Letter’ is to notify you about the increase in insurance charges of your Existing Medical Rider attached to your basic plan. The rate revision is mainly driven by the rising medical costs and increase of medical claims. The suggested premium (GSR) is to restore the Existing Medical Rider’s sustainability to its original position before repricing^, regardless of the total investment value of the policy.
^Provided that you pay all regular premiums, do not perform any policy alterations and do not make partial withdrawal during the period.
3 – The ‘Level Up Medical Coverage Campaign Offer Letter’ provides you with an opportunity to convert to our SHPE / SHPE + SHPPE without medical underwriting. Your Existing Medical Rider including all secondary medical riders shall automatically be terminated once the new rider(s) is in force. The incremental premium amount as shown in the offer letter is to restore the policy sustainability to its original position before the conversion, regardless of the total investment value of the policy.
I have already increased my premium as recommended in the Annual Sustainability Notice for Investment Linked Policy / Insurance Charges Revision Letter. Can I still apply to convert my Existing Medical Rider under this Campaign? What will happen to the premium increase that I have already paid earlier?
Yes, you can still apply under this Campaign to convert your Existing Medical Rider to SHPE or SHPE + SHPPE. Upon conversion, your Existing Medical Rider including all secondary medical riders will be terminated automatically, and SHPE or SHPE + SHPPE will take effect starting from the next monthly due date of the insurance charge of your policy. Moving forward, you will need to pay the new premium amount specified in the offer letter. Please be assured that the allocated premium increase amount you have already paid will be added to the total investment value of your policy.
I have converted to SHPE or SHPE + SHPPE through this Campaign. Will I still receive the Insurance Charges Revision Letter for my Existing Medical Rider?
The Insurance Charges Revision Letter will be sent to affected customers 3 months prior to the policy anniversary. Please disregard the Insurance Charges Revision Letter on your Existing Medical Rider if your conversion to SHPE or SHPE + SHPPE has been approved.
The answers provided to the FAQs herein set out how this Level Up Medical Coverage Campaign will be administered by Great Eastern Life Assurance (Malaysia) Berhad.
SHPE and SHPPE are optional unit deducting medical riders offered by the Company and are attachable to your current basic plan. SHPPE is only attachable upon attachment of SHPE, which offers enhanced benefits beyond what is being offered under SHPE. This material contains only a brief description of the products, and it is not exhaustive. You are advised to refer to the products’ Product Disclosure Sheet and brochure for more details of the products before accepting the offer to convert the existing medical plan in your policy. Please refer to the terms and conditions in the endorsement and policy documents of SHPE and SHPPE for detailed important features and benefits, exclusions and waiting periods under the policy, if any.
The terms “Great Eastern” and “Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad.
Great Eastern Life Assurance (Malaysia) Berhad (93745-A) is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
The information set out in this website is correct as at 10 March 2025.