Smart Health Cover

Focus on your recovery worry-free knowing that your medical bills are taken care of

Agent

What are the benefits?

Comprehensive Medical Coverage (includes COVID-19)

Comprehensive Medical Coverage (includes COVID-19)
Smart Health Cover provides comprehensive medical coverage for hospitalisation, surgical and medical expenses. It also includes COVID-19 coverage, giving you peace of mind as you go about your daily life.

No Lifetime Limit

No Lifetime Limit
NO lifetime limit to ensure long-term medical coverage with high annual limit of up to RM 2,500,000.

Health Reward

Health Reward
Stay healthy with no medical claims and be rewarded with up to 10% of Cost of Insurance, which will be credited into your investment-linked account.

Deductible Option

Deductible Option
Flexibility to choose either zero deductible or RM500 deductible based on your financial & protection needs. Enjoy savings of 15% on Cost of Insurance for the RM500 deductible option.

Outpatient Benefits

Outpatient Benefits
Covers outpatient treatment for physiotherapy, chiropractic, acupuncture and Dengue Fever.


The Important Numbers

Eligibility
30 days to 70 years old

Our Plan

Select Plan:
  • Plan 1
  • A) Hospital Benefits

    • Hospital Room & Board (max 200 days per disability) 

    RM150

    • Intensive Care Unit (max 100 days per disability) 
    • Hospital Supplies & Services 

    As Charged*

  • B) Surgical Benefits 

    • Surgical Fees
    • Anaesthetist Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospital Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospital Specialist Consultation (within 60 days prior to admission)
    • Pre-Hospital Medication & Treatment (within 60 days prior to admission)
    • Daily In-hospital Physician Visit (2 visits per day)
    • Post-Hospitalisation Treatment (within 60 days per disability) 

    As Charged*

  • D) Outpatient Benefits

    • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
    • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
    • Home Nursing Care (max 180 days per lifetime)
    • Day Surgery & Day Care Benefits
    • Ambulance Fees

    As Charged*

  • E) Outpatient Kidney Dialysis & Cancer Treatment

    • Outpatient Kidney Dialysis Treatment
    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 200 days)

    RM80

    • Daily Guardian Benefit (max 200 days)

    RM80

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Outpatient Physiotherapy, Chiropractic and Acupuncture
    • Outpatient Dengue Fever Treatment
    • Multifocal/Intraocular Lens
    • Hospital Service Tax

    As Charged*

    • Emergency Medical Evacuation and Repatriation

    Up to RM1,000,000 per lifetime

    • Health Reward (HR)

    10% of Annual Cost of Insurance

  • Deductible Option

    Zero Deductible or RM500

    The following Benefits shall not be subject to Deductible:

    1. Outpatient Kidney Dialysis Treatment
    2. Outpatient Cancer Treatment
    3. Outpatient Physiotherapy, Chiropractic and Acupuncture
    4. Outpatient Dengue Fever Treatment
    5. Emergency Medical Evacuation and Repatriation
  • Overall Annual Limit (Includes Benefits A to F) 

    RM500,000

  • G) Organ Transplant (Additional Limit, Once Per Lifetime) 

    • Heart, Kidney, Lung, Liver or Bone Marrow

    RM30,000

  • Overall Lifetime Limit (Includes Benefits A to G) 

    No Lifetime Limit

  • Plan 2
  • A) Hospital Benefits

    • Hospital Room & Board (max 200 days per disability)

    RM200

    • Intensive Care Unit (max 100 days per disability) 
    • Hospital Supplies & Services

    As Charged*

  • B) Surgical Benefits 

    • Surgical Fees
    • Anaesthetist Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospital Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospital Specialist Consultation (within 60 days prior to admission)
    • Pre-Hospital Medication & Treatment (within 60 days prior to admission)
    • Daily In-hospital Physician Visit (2 visits per day)
    • Post-Hospitalisation Treatment (within 60 days per disability) 

    As Charged*

  • D) Outpatient Benefits

    • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
    • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
    • Home Nursing Care (max 180 days per lifetime)
    • Day Surgery & Day Care Benefits
    • Ambulance Fees

    As Charged*

  • E) Outpatient Kidney Dialysis & Cancer Treatment

    • Outpatient Kidney Dialysis Treatment
    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 200 days)

    RM90

    • Daily Guardian Benefit (max 200 days)

    RM90

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Outpatient Physiotherapy, Chiropractic and Acupuncture
    • Outpatient Dengue Fever Treatment
    • Multifocal/Intraocular Lens
    • Hospital Service Tax

    As Charged*

    • Emergency Medical Evacuation and Repatriation

    Up to RM1,000,000 per lifetime

    • Health Reward (HR)

    10% of Annual Cost of Insurance

  • Deductible Option

    Zero Deductible or RM500

    The following Benefits shall not be subject to Deductible:

    1. Outpatient Kidney Dialysis Treatment
    2. Outpatient Cancer Treatment
    3. Outpatient Physiotherapy, Chiropractic and Acupuncture
    4. Outpatient Dengue Fever Treatment
    5. Emergency Medical Evacuation and Repatriation
  • Overall Annual Limit (Includes Benefits A to F) 

    RM1,000,000

  • G) Organ Transplant (Additional Limit, Once Per Lifetime) 

    • Heart, Kidney, Lung, Liver or Bone Marrow

    RM35,000

  • Overall Lifetime Limit (Includes Benefits A to G) 

    No Lifetime Limit

  • Plan 3 ♡♡
  • A) Hospital Benefits

    • Hospital Room & Board (max 200 days per disability) 

    RM250

    • Intensive Care Unit (max 100 days per disability) 
    • Hospital Supplies & Services 

    As Charged*

  • B) Surgical Benefits 

    • Surgical Fees
    • Anaesthetist Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospital Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospital Specialist Consultation (within 60 days prior to admission)
    • Pre-Hospital Medication & Treatment (within 60 days prior to admission)
    • Daily In-hospital Physician Visit (2 visits per day)
    • Post-Hospitalisation Treatment (within 60 days per disability) 

    As Charged*

  • D) Outpatient Benefits

    • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
    • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
    • Home Nursing Care (max 180 days per lifetime)
    • Day Surgery & Day Care Benefits
    • Ambulance Fees

    As Charged*

  • E) Outpatient Kidney Dialysis & Cancer Treatment

    • Outpatient Kidney Dialysis Treatment
    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 200 days)

    RM100

    • Daily Guardian Benefit (max 200 days)

    RM100

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Outpatient Physiotherapy, Chiropractic and Acupuncture
    • Outpatient Dengue Fever Treatment
    • Multifocal/Intraocular Lens
    • Hospital Service Tax

    As Charged*

    • Emergency Medical Evacuation and Repatriation

    Up to RM1,000,000 per lifetime

    • Health Reward (HR)

    10% of Annual Cost of Insurance

  • Deductible Option

    Zero Deductible or RM500

    The following Benefits shall not be subject to Deductible:

    1. Outpatient Kidney Dialysis Treatment
    2. Outpatient Cancer Treatment
    3. Outpatient Physiotherapy, Chiropractic and Acupuncture
    4. Outpatient Dengue Fever Treatment
    5. Emergency Medical Evacuation and Repatriation
  • Overall Annual Limit (Includes Benefits A to F) 

    RM1,500,000

  • G) Organ Transplant (Additional Limit, Once Per Lifetime) 

    • Heart, Kidney, Lung, Liver or Bone Marrow

    RM40,000

  • Overall Lifetime Limit (Includes Benefits A to G) 

    No Lifetime Limit

  • Plan 4
  • A) Hospital Benefits

    • Hospital Room & Board (max 200 days per disability) 

    RM300

    • Intensive Care Unit (max 100 days per disability) 
    • Hospital Supplies & Services 

    As Charged*

  • B) Surgical Benefits 

    • Surgical Fees
    • Anaesthetist Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospital Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospital Specialist Consultation (within 60 days prior to admission)
    • Pre-Hospital Medication & Treatment (within 60 days prior to admission)
    • Daily In-hospital Physician Visit (2 visits per day)
    • Post-Hospitalisation Treatment (within 60 days per disability) 

    As Charged*

  • D) Outpatient Benefits

    • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
    • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
    • Home Nursing Care (max 180 days per lifetime)
    • Day Surgery & Day Care Benefits
    • Ambulance Fees

    As Charged*

  • E) Outpatient Kidney Dialysis & Cancer Treatment

    • Outpatient Kidney Dialysis Treatment
    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 200 days)

    RM110

    • Daily Guardian Benefit (max 200 days)

    RM110

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Outpatient Physiotherapy, Chiropractic and Acupuncture
    • Outpatient Dengue Fever Treatment
    • Multifocal/Intraocular Lens
    • Hospital Service Tax

    As Charged*

    • Emergency Medical Evacuation and Repatriation

    Up to RM1,000,000 per lifetime

    • Health Reward (HR)

    10% of Annual Cost of Insurance

  • Deductible Option

    Zero Deductible or RM500

    The following Benefits shall not be subject to Deductible:

    1. Outpatient Kidney Dialysis Treatment
    2. Outpatient Cancer Treatment
    3. Outpatient Physiotherapy, Chiropractic and Acupuncture
    4. Outpatient Dengue Fever Treatment
    5. Emergency Medical Evacuation and Repatriation
  • Overall Annual Limit (Includes Benefits A to F) 

    RM2,000,000

  • G) Organ Transplant (Additional Limit, Once Per Lifetime) 

    • Heart, Kidney, Lung, Liver or Bone Marrow

    RM50,000

  • Overall Lifetime Limit (Includes Benefits A to G) 

    No Lifetime Limit

  • Plan 5
  • A) Hospital Benefits

    • Hospital Room & Board (max 200 days per disability) 

    RM350

    • Intensive Care Unit (max 100 days per disability) 
    • Hospital Supplies & Services 

    As Charged*

  • B) Surgical Benefits 

    • Surgical Fees
    • Anaesthetist Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospital Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospital Specialist Consultation (within 60 days prior to admission)
    • Pre-Hospital Medication & Treatment (within 60 days prior to admission)
    • Daily In-hospital Physician Visit (2 visits per day)
    • Post-Hospitalisation Treatment (within 60 days per disability) 

    As Charged*

  • D) Outpatient Benefits

    • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
    • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
    • Home Nursing Care (max 180 days per lifetime)
    • Day Surgery & Day Care Benefits
    • Ambulance Fees

    As Charged*

  • E) Outpatient Kidney Dialysis & Cancer Treatment

    • Outpatient Kidney Dialysis Treatment
    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 200 days)

    RM120

    • Daily Guardian Benefit (max 200 days)

    RM120

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Outpatient Physiotherapy, Chiropractic and Acupuncture
    • Outpatient Dengue Fever Treatment
    • Multifocal/Intraocular Lens
    • Hospital Service Tax

    As Charged*

    • Emergency Medical Evacuation and Repatriation

    Up to RM1,000,000 per lifetime

    • Health Reward (HR)

    10% of Annual Cost of Insurance

  • Deductible Option

    Zero Deductible or RM500

    The following Benefits shall not be subject to Deductible:

    1. Outpatient Kidney Dialysis Treatment
    2. Outpatient Cancer Treatment
    3. Outpatient Physiotherapy, Chiropractic and Acupuncture
    4. Outpatient Dengue Fever Treatment
    5. Emergency Medical Evacuation and Repatriation
  • Overall Annual Limit (Includes Benefits A to F) 

    RM2,500,000

  • G) Organ Transplant (Additional Limit, Once Per Lifetime) 

    • Heart, Kidney, Lung, Liver or Bone Marrow

    RM60,000

  • Overall Lifetime Limit (Includes Benefits A to G) 

    No Lifetime Limit

*Reasonable and Customary Charges

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