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All-in-One Medical & Hospitalization Plan


With rising medical costs every year, you can safeguard you and your family’s medical needs with this affordable plan.

SmartCare Optimum

Looking for an affordable health insurance plan to protect you and your family against high medical expenses? SmartCare Optimum is the right choice for you!

Key benefits explained
  • Hassle-free cashless admission to panel hospitals
    Easy and quick access to treatment when you need it with our medical card
  • Enjoy up to 50% savings
    Enjoy discount of premium when you pay a fixed amount of hospitalization bills
  • Coverage up to age 100
    Renewable for up to age 100 if you are a policyholder before age 59
  • No lifetime limit
    Your annual coverage limit stays the same regardless of your previous claims
  • Affordable medical plan
    Choose from 4 plans, starting from RM31 per month
  • High medical coverage
    Covers up to RM500 for Room & Board with RM500,000 annual limit for coverage
Interested in this product?
What we do not cover
  1. Hospitalization primarily for investigatory purpose
  2. Investigations and treatment of infertility or impotence
  3. Treatment of sexually transmitted diseases and any medical condition which arises in any way from HIV infection
  4. Treatment which is caused by self-inflicted injury or an attempt at suicide
  5. Treatment of injuries sustained from professional sports or dangerous activities such as cliff diving, mountaineering and so on

For the full list of Benefits and Exclusions, kindly refer to our Policy Wording, available for download below.

Important Product Details
Underwritten by AXA Affin General Insurance Berhad