SmartMedic Xtra

描述

Comprehensive medical coverage with no co-insurance and no Overall Lifetime Limit for your healthcare needs
Secure medical coverage you can depend on

A good medical protection plan gives you the freedom and confidence to live life without being held back by financial concerns. While you may have taken every precaution to live and lead a healthy lifestyle, an unexpected event can happen to you or your loved ones without any warning.

SmartMedic Xtra offers you healthcare protection up to age 99 years next birthday whenever you need it with no co-insurance. It allows you to enjoy more complete medical security and fewer financial worries.

• Key benefits
  • High Annual Limit & no Lifetime Limit

    SmartMedic Xtra offers a high Overall Annual Limit up to RM200,000 depending on your selected plan and no Overall Lifetime Limit1 .

  • Medical benefits with no co-insurance

    This plan handles your medical bill without imposing co-insurance1 , enabling you to focus on getting better.

  • Regular increment to annual limit by being fit

    By staying healthy, you will be rewarded with an increase of 10% of the Initial Overall Annual Limit at the end of every 3 ‘no-claim’ policy years1 .

  • Protection and coverage till age 99

    You will receive protection up to the age of 99 years next birthday1 , giving you more confidence to live the best of life even in your golden years.

  • Coverage wherever life takes you

    Fly and travel around the world with full confidence. Be it on holiday or business trip, SmartMedic Xtra grants you international emergency medical assistance service anywhere in the world1 .

How SmartMedic Xtra works


Footnotes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern Life Planning Advisor or have us call you back.

• Footnotes
  1 Terms and conditions apply.
• Disclaimer
  SmartMedic Xtra is the unit-deduction medical rider attachable to selected regular premium investment-linked insurance plans. This plan is the insurance product that is tied to the performance of the underlying assets, and is not pure investment product 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 SmartMedic Enhancer to your investment-linked insurance plan; however, SmartMedic Enhancer must be attached together with SmartMedic Xtra. Each SmartMedic Xtra plan only allows one corresponding SmartMedic Enhancer plan for optional attachment, i.e. SME200 for SMX200, SME300 for SMX300 and SME400 for SMX400.

  You should satisfy yourself that this rider 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 newly purchased Medical and Health Insurance product (MHI). 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.

  The above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet, consumer education booklet on MHI and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted above are not exhaustive. Great Eastern Life reserves the right to revise the benefit structure and restrictions/limitations for these riders on policy anniversary or upon renewal by giving at least 30 days’ notice. 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.

  Information correct as on 22 July 2019.

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