Smart Medic Million Plus 医药卡

Comprehensive medical coverage in times of need

In the current climate of constant medical cost inflation, receiving the proper healthcare that you deserve can be a large financial setback, particularly in times of unexpected medical emergencies. With this growing concern in mind, we’ve developed a plan that makes the best of its valuable features to safeguard you and your loved ones in times of need.

Meet SmartMedic Million – an investment-linked medical rider that offers you comprehensive medical and hospitalisation benefits, with four types of Hospital Room and Board. You’ll also be protected until the age of 100 years next birthday, and can choose to attach an optional rider that extends your yearly medical coverage by an additional RM2 million.

To top it all off, enhance your SmartMedic Million plan by attaching SmartMedic Million Plus – an optional add-on rider that waives your deductible and provides additional financial support in the event of hospitalisation or accidental death. This way, you can fully focus on getting better, with secure medical coverage that you can always count on.

Key benefits – SmartMedic Million

 

Comprehensive medical benefits with minimal deductible per disability

SmartMedic Million grants you access to various comprehensive medical benefits with a deductible of RM300 per disability¹ . The plan’s key benefits include pre- and post-hospitalisation treatments, outpatient cancer and kidney dialysis treatments, dengue fever and Zika virus treatment, ICU expenses, surgical fees and more¹ . 

 

 

Regular increments to the Hospital Room and Board Limit

A 10% increase to your Hospital Room and Board Limit at the end of every 3 policy years² , up to a cumulative total of 100% the initial Hospital Room and Board limit¹ .

 

 

High Overall Annual Limit, no Overall Lifetime Limit

This plan offers a high Overall Annual Limit up to RM2,000,000 which refreshes every year, depending on your selected plan option and no Overall Lifetime Limit¹ .

 

 

Optional rider to further extend your Overall Annual Limit

You can choose to attach SmartMedic Million Extender, an optional rider that extends the Overall Annual Limit of your selected SmartMedic  Million plan by an additional RM2,000,000¹ .

 

 

Protection up to age 100 years next birthday

With SmartMedic Million, continuous medical protection up to age 100 years next birthday will further assist you in facing any unforeseen circumstances, even in your golden years¹ .