Smart Health Cover

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