Enjoy comprehensive medical protection with high annual and lifetime limits. Enjoy High Annual and Lifetime Limits Medical claims will be reimbursed in one lump sum, with a maximum annual limit of up to RM200,000 and a lifetime limit of up to RM1,600,000, depending on your selected plan. Security of Comprehensive Medical Benets SmartMedic gives you comprehensive medical protection to guard against nancial difculties in times of medical emergencies. Key benets include hassle-free Hospital admission, Pre and Post Hospitalisation treatments, Outpatient Cancer Treatment, Outpatient Kidney Dialysis Treatment, Intensive Care Unit (ICU) and surgical expenses benets. You will also have better peace of mind with the Emergency Accidental Outpatient Treatment and Day Surgery benets that come with this plan. We want to stay healthy always. While we cant be certain that we will enjoy good health for life, we can take steps to be prepared for accidents and illnesses by ensuring that we have access to proper medical care. Introducing SmartMedic the comprehensive medical rider for investment-linked insurance plans. With it, you have medical protection to cushion the effects of unexpected medical emergencies. By offering you comprehensive coverage for hospitalisation, surgical expenses and much more, SmartMedic will help to safeguard your health, while bringing you greater nancial security too. Get annual limit increments by staying healthy Youll be entitled to an increase to your Overall Annual Limit at the end of every 3 policy years provided that no claim has been made during the immediate preceding 3 policy years. This will help protect you against rising medical costs. An example of how it works Alan is a 28-year old male who buys a SM150 plan with an Initial Overall Annual Limit of RM90,000 and Overall Lifetime Limit of RM720,000. No claim was made by Alan during the rst 3 policy years. As such, his Overall Annual Limit is increased by RM9,000 to RM99,000. Between the 4 th to 6 th Policy Year, he makes 2 claims and the Overall Annual Limit is maintained at RM99,000. In the subsequent next 3 policy years (7 th to 9 th Policy Year), no claim was made by him and his Overall Annual Limit is again increased by RM9,000 to RM108,000. 1 st 3 rd
Policy Year No claim Overall Annual Limit will increase by RM9,000 to RM99,000 from 4 th Policy Year to 6 th Policy Year. 4 th 6 th
Policy Year 2 claims Overall Annual Limit will remain at RM99,000 from 7 th Policy Year to 9 th Policy Year. 7 th 9 th
Policy Year No claim Overall Annual Limit will increase by RM9,000 to RM108,000 from 10 th Policy Year to 12 th Policy Year. Note: Each increase (if applicable) to the Overall Annual Limit at the end of every 3 policy years shall be equal to 10% of the Initial Overall Annual Limit. Terms and conditions apply. Accidental Death Benet adds to your protection Your loved ones will receive an Accidental Death Benet of up to RM20,000 which will be payable, depending on your selected plan, in the event of accidental death. Note: Terms and conditions apply. Daily-Cash Benet to aid recovery You have even less need to worry about the medical expenses in the case of hospitalisation at a Malaysian Government Hospital. This plan pays you a daily cash benet of RM50 per day for up to 120 days per policy year. Note: Terms and conditions apply. Protection you can count on till youre 80 years next birthday With SmartMedic, you can be medically protected till youre 80 years next birthday, ensuring that you are better prepared to cope with any unforeseen circumstances even in your golden years. Note: Terms and conditions apply. Greater assurance when you travel the world When you travel abroad for a vacation or on business, you can be rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world. Note: Terms and conditions apply. Frequently Asked Questions Q : Who can apply? A : The minimum and maximum entry age depends on the selected plan type: Entry Age Plan Type SM 100 SM 150 SM 200 SM 300 SM 400 Minimum 30 days attained age Maximum 60 years next birthday 65 years next birthday Note: Terms and conditions apply. Q : How much premium do I have to pay? A : No additional premium is required to enjoy the coverage. However, the insurance charge will be deducted from the total investment value of your policy on a monthly basis. Q : Under what circumstances will SmartMedic be terminated? A : SmartMedic will be terminated on the death of the Life Assured or on the policy anniversary on which the Life Assureds age is 80 years next birthday, or the total claim amount under the policy has exceeded the Overall Lifetime Limit, or the policy has lapsed, is surrendered or otherwise terminated, or the Company withdraws this plan completely from the market. Q : Will I be entitled to tax benets? A : Yes, premiums paid may qualify for tax relief. Benets received are generally non-taxable. However, tax benets are subject to the Malaysian Income Tax Act, 1967, and nal decision of the Inland Revenue Board. Benets at a Glance You have the exibility to choose the plan that best meets your medical needs, depending on your budget and requirement. No. Insured Benets Plan Type SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM) I Hospital Room & Board (Limit per Day subject to a maximum of 180 days for Insured Benets (I) and (II) in aggregate) 100 150 200 300 400 II Intensive Care Unit (Limit per Day subject to a maximum of 180 days for Insured Benets (I) and (II) in aggregate) As charged subject to Overall Annual Limit and Overall Lifetime Limit. III Hospital Supplies and Services As charged subject to Overall Annual Limit and Overall Lifetime Limit. Reimbursement of Reasonable and Customary charges which is consistent with those usually charged to a ward or Room & Board accommodation which is approximate to and within the daily limit of the amount stated in Hospital Room & Board benet under the plan insured. Subject to a 10% co-insurance, up to a maximum of RM500; If there is an upgrade of Hospital Room & Board, the following shall apply: 1) 20% co-insurance with no maximum cap for SM100 & SM150 plans, or 2) 20% co-insurance with a maximum cap of RM3,000 1 for SM200, SM300 and SM400 plans. IV Surgical Fees V Operating Theatre VI Anaesthetist Fees VII In-Hospital Physician Visit (2 visits per day) VIII Pre-Hospitalisation Diagnostic Tests (within 60 days before hospitalisation) IX Pre-Hospitalisation Specialist Consultation (within 60 days before hospitalisation) X Post-Hospitalisation Treatment (within 90 days after hospital discharge) XI Organ Transplant XII Ambulance Fees XIII Day Surgery XIV Outpatient Cancer Treatment As charged subject to Overall Annual Limit and Overall Lifetime Limit. Subject to 10% co-insurance. XV Outpatient Kidney Dialysis Treatment XVI Emergency Accidental Outpatient Treatment (maximum 30 days from date of accident) 2,000 3,000 4,000 6,000 8,000 XVII Daily-Cash Allowance at Malaysian Government Hospital (maximum 120 days) 50 per day SmartMedic offers 5 different plans with comprehensive medical coverage: No. Insured Benets Plan Type SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM) I Hospital Room & Board (Limit per Day subject to a maximum of 180 days for Insured Benets (I) and (II) in aggregate) 100 150 200 300 400 II Intensive Care Unit (Limit per Day subject to a maximum of 180 days for Insured Benets (I) and (II) in aggregate) As charged subject to Overall Annual Limit and Overall Lifetime Limit. III Hospital Supplies and Services As charged subject to Overall Annual Limit and Overall Lifetime Limit. Reimbursement of Reasonable and Customary charges which is consistent with those usually charged to a ward or Room & Board accommodation which is approximate to and within the daily limit of the amount stated in Hospital Room & Board benet under the plan insured. Subject to a 10% co-insurance, up to a maximum of RM500; If there is an upgrade of Hospital Room & Board, the following shall apply: 1) 20% co-insurance with no maximum cap for SM100 & SM150 plans, or 2) 20% co-insurance with a maximum cap of RM3,000 1 for SM200, SM300 and SM400 plans. IV Surgical Fees V Operating Theatre VI Anaesthetist Fees VII In-Hospital Physician Visit (2 visits per day) VIII Pre-Hospitalisation Diagnostic Tests (within 60 days before hospitalisation) IX Pre-Hospitalisation Specialist Consultation (within 60 days before hospitalisation) X Post-Hospitalisation Treatment (within 90 days after hospital discharge) XI Organ Transplant XII Ambulance Fees XIII Day Surgery XIV Outpatient Cancer Treatment As charged subject to Overall Annual Limit and Overall Lifetime Limit. Subject to 10% co-insurance. XV Outpatient Kidney Dialysis Treatment XVI Emergency Accidental Outpatient Treatment (maximum 30 days from date of accident) 2,000 3,000 4,000 6,000 8,000 XVII Daily-Cash Allowance at Malaysian Government Hospital (maximum 120 days) 50 per day 1 The Company reserves the right to revise the maximum cap for co-insurance by giving at least 30 days prior written notice. 2 Please refer to An example of how it works for a sample calculation of the Increase to the Initial Overall Annual Limit. No. Insured Benets Plan Type SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM) XVIII Initial Overall Annual Limit for Items (I) to (XVII) (Based on Paid Amount) 60,000 90,000 120,000 160,000 200,000 XIX Increase to the Initial Overall Annual Limit 2 6,000 9,000 12,000 16,000 20,000 XX Overall Annual Limit Total of Initial Overall Annual Limit and any cumulative increase to the Initial Overall Annual Limit XXI Overall Lifetime Limit for Items (I) to (XVII) (Based on Paid Amount) 480,000 720,000 960,000 1,280,000 1,600,000 XXII Accidental Death Benet 10,000 10,000 15,000 20,000 20,000 XXIII Supreme Assist (Emergency Medical Assistance Services) In accordance with benet provisions in Supreme Assist agreement XXIV Car Assistance Programme In accordance with benet provisions in Car Assistance Programme agreement Benets at a Glance (contd) No. Insured Benets Plan Type SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM) XVIII Initial Overall Annual Limit for Items (I) to (XVII) (Based on Paid Amount) 60,000 90,000 120,000 160,000 200,000 XIX Increase to the Initial Overall Annual Limit 2 6,000 9,000 12,000 16,000 20,000 XX Overall Annual Limit Total of Initial Overall Annual Limit and any cumulative increase to the Initial Overall Annual Limit XXI Overall Lifetime Limit for Items (I) to (XVII) (Based on Paid Amount) 480,000 720,000 960,000 1,280,000 1,600,000 XXII Accidental Death Benet 10,000 10,000 15,000 20,000 20,000 XXIII Supreme Assist (Emergency Medical Assistance Services) In accordance with benet provisions in Supreme Assist agreement XXIV Car Assistance Programme In accordance with benet provisions in Car Assistance Programme agreement Annual Insurance Charge Table Male Attained Age (Years) SM 100 (RM) SM 150 (RM) SM 200 (RM) SM 300 (RM) SM 400 (RM) 30 days - 5 296 328 426 554 721 6 - 10 227 252 328 426 554 11 - 15 227 252 328 426 554 16 - 20 333 369 480 624 811 21 - 25 345 383 498 647 841 26 - 30 345 383 498 647 841 31 - 35 345 383 498 647 841 36 - 40 365 401 521 678 881 41 - 45 440 478 621 808 1,050 46 - 50 517 558 725 943 1,226 51 - 55 852 921 1,197 1,556 2,023 56 - 60 1,024 1,106 1,438 1,869 2,430 61 - 65^ 1,433 1,549 2,014 2,618 3,403 66 - 70* 2,007 2,169 2,820 3,666 4,765 71 - 75* 3,010 3,254 4,230 5,499 7,149 76 - 79* 4,515 4,881 6,345 8,249 10,724 Female Attained Age (Years) SM 100 (RM) SM 150 (RM) SM 200 (RM) SM 300 (RM) SM 400 (RM) 30 days - 5 286 317 412 536 696 6 - 10 222 246 320 416 540 11 - 15 222 246 320 416 540 16 - 20 283 314 408 531 690 21 - 25 341 378 491 639 830 26 - 30 341 378 491 639 830 31 - 35 357 396 515 669 870 36 - 40 405 445 579 752 978 41 - 45 480 521 677 880 1,145 46 - 50 575 621 807 1,049 1,364 51 - 55 712 769 1,000 1,300 1,689 56 - 60 827 894 1,162 1,511 1,964 61 - 65^ 1,182 1,277 1,660 2,158 2,806 66 - 70* 1,688 1,824 2,371 3,083 4,007 71 - 75* 2,531 2,736 3,557 4,624 6,011 76 - 79* 3,797 4,104 5,335 6,936 9,016 ^ On renewal basis for SM100 and SM150 plans. * On renewal basis for all plans. The above insurance charges are only applicable to occupational class 1 & 2. The insurance charges of occupational class 3 & 4 will be provided by your servicing agent, if applicable. The above insurance charge will be charged according to your attained age at renewal and may vary according to your age, sex, occupation, health condition and the plan selected. The insurance charges are not guaranteed and may be revised from time to time. Any revision of insurance charges will be done on your policy anniversary and we will notify you in writing at least three months before the revision takes place. Exclusions and Limitations The Company will not pay any benet under this Policy as a result of, including any of the following whether directly or indirectly: 1. Pre-existing Illness 2. Specied Illnesses occurring within the rst 120 days from the Risk Effective Date 3. Any medical or physical conditions arising within the rst thirty (30) days from the Risk Effective Date except for Injury 4. Plastic/cosmetic surgery, circumcision, eye examination, glasses, lens and refraction or surgical correction of nearsightedness and farsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as articial limbs, hearing aids, implanted pacemakers and prescriptions thereof 5. Dental conditions including dental treatment or oral surgery; except as necessitated due to Injury to sound natural teeth occurring in any Policy Year as performed by Dentist. In addition, expenses arising from placement of denture and prosthetic services such as bridges, implants and crowns or their replacement will not be payable 6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication (including but not limited to alcohol and drugs), sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deciency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law 7. Any treatment or surgical operation for Congenital Conditions or deformities including hereditary conditions 8. Pregnancy, childbirth (including surgical delivery and any surgical or non-surgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation 9. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specically for weight reduction or gain 10. Suicide, attempted suicide or intentionally self-inicted injury while sane or insane 11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection 12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear ssion or from any nuclear weapons material 13. Expenses incurred for donation of any body organ by a Life Assured and cost of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications 14. Investigation and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone replacement therapy, stem cell therapy, PET scan and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reexology, bone setting, herbalist treatment, massage, hyperbaric oxygen therapy or aromatherapy or other alternative treatment 15. Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Life Assured and disabilities arising out of duties of employment or profession that is covered under a Workmans Compensation Insurance Contract or from either sources in respect of Injury or Illness or Disease for which the claim is made 16. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations) 17. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, broadband services, electricity bills for handphone charging, radios or similar facilities, admission kit/pack and other ineligible non-medical items 18. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, sky-diving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities 19. Engaging in aerial ights other than as a crew member or as a fare-paying passenger of an International Airline operating on a regular scheduled route 20. Expenses incurred for sex change 21. Any Outpatient treatment not related to Inpatient treatment, except as provided under Insured Benets 22. Any Accident caused by mosquito bites, worm infestations such as Hookworms and allergic reaction to insect bites during the rst thirty (30) days from the Risk Effective Date 23. Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is not Medically Necessary, or charges in excess of Reasonable and Customary Charges, or charges which are incurred for Hospitalisation, Pre-Hospitalisation and/or Post-Hospitalisation after the Expiry Date 24. Any medical treatment received by the Life Assured outside Malaysia, if the Life Assured resides or travels outside Malaysia for more than ninety (90) consecutive days Important Notices SmartMedic is a unit deduction medical rider attachable to selected regular premium investment-linked insurance plans. This plan is an insurance product that is tied to the performance of the underlying assets, and is not a 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 sufcient 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 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 policy owner to review the suitability of the newly purchased Medical and Health Insurance (MHI) product. If the 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-over 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 subjected to the Terms and Conditions to be imposed at the time of Policy/Rider switching or replacement. For more information, please contact your servicing agent or Customer Service Careline at 1300 1300 88. The brochure 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 benets of the plan before purchasing the plan. The exclusions and limitations of benets highlighted above are not exhaustive. Great Eastern Life Assurance (Malaysia) Berhad reserves the right to revise the benet structure and restrictions/limitations for this rider by giving at least 30 days notice. For further information, reference shall be made to the terms and conditions specied in the policy issued by Great Eastern Life Assurance (Malaysia) Berhad. If there is any discrepancy between English, Bahasa Malaysia and Chinese versions, the English text shall prevail. Alor Setar 66 & 68 Jalan Teluk Wan Jah 05200 Alor Setar, Kedah Tel : 04-731 9877 Fax : 04-731 9878 Batu Pahat 109 Jalan Rahmat 83000 Batu Pahat, Johor Tel : 07-432 5562 Fax : 07-432 5560 Bintulu No. 313, Lot 3956 Phase 4, Bintulu Parkcity Commerce Square Jalan Tun Ahmad Zaidi/ Jalan Tanjung Batu 97000 Bintulu, Sarawak Tel : 086-336 676 Fax : 086-332 601 Ipoh 23 & 25 Persiaran Georgetown 5 Pusat Perdagangan Greentown 30450 Ipoh, Perak Tel : 05-254 2027 Fax : 05-255 5578 Johor Bahru 10th Floor, Menara Pelangi Jalan Kuning, Taman Pelangi 80400 Johor Bahru, Johor Tel : 07-334 1022 Fax : 07-334 9122 Klang No. 8 & 10 Jalan Tiara 2A Bandar Baru Klang 41150 Klang, Selangor Tel : 03-3343 6688 Fax : 03-3341 3398 Kluang No. 22 & 24 Jalan Md Lazim Saim 86000 Kluang, Johor Tel : 07-772 3529 Fax : 07-772 3449 Kota Bharu No. S25/5252-T & U Jalan Sultan Yahya Petra 15200 Kota Bharu, Kelantan Tel : 09-748 2332 Fax : 09-744 9701 Kota Kinabalu Wisma Great Eastern Level 4 & 5, No. 65 Jalan Gaya 88000 Kota Kinabalu, Sabah Tel : 088-252 033 Fax : 088-210 437 Kuala Terengganu 2nd Floor, 6F Bangunan Persatuan Hin Ann Jalan Air Jernih 20300 Kuala Terengganu Tel : 09-622 4959 Fax : 09-626 5195 Kuantan A25 Jalan Dato Lim Hoe Lek 25200 Kuantan, Pahang Tel : 09-515 7666 Fax : 09-515 8477 Kuching House No. 51, Lot 435 Section 54, KTLD Travillion Commercial Centre Jalan Padungan 93100 Kuching, Sarawak Tel : 082-412 736 Fax : 082-426 684 Lahad Datu Ground & 1st Floor MDLD 0819, Jalan Teratai 91100 Lahad Datu, Sabah Tel : 089-884 136 Fax : 089-884 226 Melaka No. 23 Jalan PM 15 Plaza Mahkota 75000 Melaka Tel : 06-282 4577 Fax : 06-283 4579 Miri Lots 1260 & 1261, Block 10 M.C.L.D., Jalan Melayu 98000 Miri, Sarawak Tel : 085-413 299 Fax : 085-417 518 Penang 25, Light Street 10200 Penang Tel : 04-262 2141 Fax : 04-262 2140 Sandakan Lot 5 & 6, Block 40 Lorong Indah 15 Bandar Indah, Phase 7 Mile 4, North Road 90000 Sandakan, Sabah Tel : 089-213 484 Fax : 089-271 343 Seremban 101 & 103 Jalan Yam Tuan 70000 Seremban Negeri Sembilan Tel : 06-763 6120 Fax : 06-763 1480 Sibu No. 10A-F Wisma Great Eastern Persiaran Brooke 96000 Sibu, Sarawak Tel : 084-312 829 Fax : 084-333 925 Taiping 60 Jalan Barrack 34000 Taiping Perak Tel : 05-805 1021 Fax : 05-805 1023 Tawau Ground Floor Wisma Great Eastern Jalan Billian 91008 Tawau, Sabah Tel : 089-771 322 Fax : 089-762 341 Great Eastern Life Assurance (Malaysia) Berhad (93745-A) Menara Great Eastern 303 Jalan Ampang 50450, Kuala Lumpur Tel (03) 4259 8888 Fax (03) 4259 8000 Customer Service Careline 1300 1300 88 Email wecare@lifeisgreat.com.my Website www.lifeisgreat.com.my Head Office Branch Offices Great Eastern Life Assurance (Malaysia) Berhad (93745-A) is licensed under the Insurance Act 1996 and regulated by Bank Negara Malaysia. Great Eastern Life Assurance (Malaysia) Berhad (93745-A) dilesenkan di bawah Akta Insurans 1996 dan dikawal selia oleh Bank Negara Malaysia. For the latest contact details, please refer to the company website. Untuk maklumat lanjut, sila layari laman web syarikat. C M / S M ( E M ) / V 5 / 0 2 / 1 1 The Lion Behind Your Investment Great Eastern Life Assurance (Malaysia) Berhad is poised for continued growth in its second century and is off to a good start at achieving its goal to continue its reign as the market leader in the industry. With more than 100 years of experience in solid nancial foundation and innovative infrastructure, it has assets in excess of RM44 billion as at 31 December 2009. The head ofce, 21 operational branch ofces nationwide and a network of 17,000 agents serving over 2.8 million policies in force. Great Eastern continues to remain true to its stand that health, wealth and meaningful relationships make life great. Great Eastern has earned its customers loyalty throughout the years and believes that this trust is cultivated from its excellent service.
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