Smart Health & Smart Health Plus

Go on and enjoy life’s most exciting moments knowing your medical and hospital-related bills are covered.

+ Rider Agent

What are the benefits?

Cashless And Hassle-free Admissions

Cashless And Hassle-free Admissions
Smart Health provides cashless and hassle-free admission into most major hospitals and medical centres with options on hospital rooms and boards.

Health Reward

Health Reward
If you do not make any claim for the first 3 years, you will enjoy Health Reward equivalent to 10% of the Annual Cost of Insurance paid.

Comprehensive Medical Coverage

Comprehensive Medical Coverage
This plan covers the medical needs of you and your family, including in-patient, surgical and non-surgical, kidney dialysis & cancer treatment, and Daily Guardian Benefit for Children.

No Life Time Limit

No Life Time Limit
Even if your plan hits the annual limit, your plan will not be terminated until end of term.

*Note: The insurance coverage charges will be deducted monthly from the value of your units.


The Important Numbers

Eligibility
30 days to 65 years old

Smart Health Plus Plan

Select Plan:
  • Plan 1
  • A) Hospital Benefits

    • 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
    • Anesthetists Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospitalisation Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospitalisation Specialist Consultation (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) Outpatients 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 Treatment

    • Outpatient Kidney Dialysis Treatment

    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 150 days)

    RM100

    • Daily Guardian Benefit for Children (max 150 days)

    RM100

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Hospital Service Tax

    As Charged*

    • Health Reward (HR)

    10% of Annual Cost of Insurance

  • 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

    RM40,000

  • Overall Lifetime Limit (Includes Benefits A to G) 

    No Lifetime Limit

  • Plan 2 ♡♡
  • A) Hospital Benefits

    • 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
    • Anesthetists Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospitalisation Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospitalisation Specialist Consultation (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) Outpatients 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 Treatment

    • Outpatient Kidney Dialysis Treatment

    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 150 days)

    RM120

  • Daily Guardian Benefit for Children (max 150 days)

    RM120

  • Hospital Cash Benefit (per disability)

    RM100

  • Medical Report Fees (per disability)

    RM70

  • Hospital Service Tax

    As Charged*

  • Health Reward (HR)

    10% of Annual Cost of Insurance

  • Overall Annual Limit (Includes Benefits A to F)

    RM1,200,000

  • 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

Smart Health Plan

Select Plan:
  • Plan 1 ♡♡
  • A) Hospital Benefits

    • 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
    • Anesthetists Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospitalisation Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospitalisation Specialist Consultation (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) Outpatients 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 Treatment

    • Outpatient Kidney Dialysis Treatment

    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 150 days)

    RM80

    • Daily Guardian Benefit for Children (max 150 days)

    RM80

    • Hospital Cash Benefit (per disability) 

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Hospital Service Tax 

    As Charged*

    • Health Reward (HR) 

    10% of Annual Cost of Insurance 

  • Overall annual limit (includes Benefits A to F) 

    RM100,000

  • 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)

    RM1,200,000

  • Plan 2
  • 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
    • Anesthetists Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospitalisation Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospitalisation Specialist Consultation (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) Outpatients 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 Treatment

    • Outpatient Kidney Dialysis Treatment

    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 150 days)

    RM100 

    • Daily Guardian Benefit for Children (max 150 days)

    RM100 

    • Hospital Cash Benefit (per disability) 

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Hospital Service Tax 

    As Charged*

    • Health Reward (HR)

    10% of Annual Cost of Insurance 

  • Overall Annual Limit (Includes Benefits A to F) 

    RM150,000

  • 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) 

    RM1,800,000 

  • Plan 3
  • 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
    • Anesthetists Fees
    • Operating Theatre 

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospitalisation Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospitalisation Specialist Consultation (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) Outpatients 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 Treatment

    • Outpatient Kidney Dialysis Treatment

    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 150 days)

    RM120

    • Daily Guardian Benefit for Children (max 150 days)

    RM120

    • Hospital Cash Benefit (per disability)

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Hospital Service Tax

    As Charged*

    • Health Reward (HR) 

    10% of Annual Cost of Insurance 

  • Overall Annual Limit (Includes Benefits A to F) 

    RM175,000

  • 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) 

    • RM2,100,000
  • Plan 4
  • A) Hospital Benefits

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

    RM450

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

    As Charged*

  • B) Surgical Benefits

    • Surgical Fees  
    • Anesthetists Fees
    • Operating Theatre

    As Charged*

  • C) Medical Benefits (Non-Surgical) 

    • Pre-Hospitalisation Diagnostic Tests (within 60 days prior to admission)
    • Pre-Hospitalisation Specialist Consultation  (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 Treatment

    • Outpatient Kidney Dialysis Treatment

    • Outpatient Cancer Treatment

    As Charged*

  • F) Other Benefits

    • Government Hospital Daily Cash Allowance (max 150 days)

    RM140

    • Daily Guardian Benefit for Children (max 150 days)

    RM140

    • Hospital Cash Benefit (per disability) 

    RM100

    • Medical Report Fees (per disability)

    RM70

    • Hospital Service Tax 

    As Charged*

    • Health Reward (HR)

    10% of Annual Cost of Insurance 

  • Overall Annual Limit (Includes Benefits A to F) 

    RM225,000

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

    • Heart, Kidney, Lung, Liver or Bone Marrow

    RM80,000

  • Overall Lifetime Limit (Includes Benefits A to G)

    RM2,700,000

*Reasonable and Customary Charges

Say no more! I'd like you to contact me!

What is your current marital status?

It’s important for us to know whether our clients smoke—not to judge— but because smoking affects several aspects of their health, and therefore what protection plans we can recommend. So, tell us, are you a smoker?

A client’s past history with critical illnesses also affects what and how we can help insure you. Do you have a history of critical illness?

Next, what do you do for a living? You can type in your designation.

Last but not least: what are your interests?

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