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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.

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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
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Announcement: Good news on GST

In appreciation to its loyal customers, AXA Malaysia (AXA Affin General Insurance Berhad & AXA Affin Life Insurance Berhad) will be absorbing the 6% goods and services tax (GST) to all its policyholders, as follows:

  • AXA Affin General Insurance Berhad will be facilitating the refund of 6% goods and services tax (GST) to all its general insurance policyholders who have made prior payments for policies commencing from 1 June 2018 onwards. The refund will be given upon request. Offer is valid until 30 September 2018.
  • AXA Affin Life Insurance Berhad will be absorbing the applicable 6% goods and services tax (GST) to all its life insurance policyholders who have purchased new individual life insurance policies between 1 May to 31 May 2018. The amount equivalent to GST will be utilised for the next Premium Due.

For more information, please click here to contact us.

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Announcement: Service Tax Clause

Important Notice :

Please be informed that Service Tax will be implemented by the Government of Malaysia with effect from 1 September 2018 at a rate of six (6) per centum.

AXA Affin Insurance Malaysia reserves the right to collect from you an amount equivalent to the Service Tax payable on the applicable premium for the policy period, or in the event that the policy period commences before but expires after 1 September 2018, to collect from you an amount equivalent to the Service Tax payable on the applicable premium calculated from 1 September 2018 on a pro-rated basis.

Your obligation to pay Service Tax shall form part of the Terms and Conditions in your insurance policy.

The laws governing Service Tax are as per the Service Tax Act, 2018 and all Regulations passed by the Government of Malaysia from time to time.

For more info on taxable services under the Insurance & Takaful industry, kindly click here (Reference: B. Service Tax – Item 9)

Pengumuman: Fasal Cukai Perkhidmatan

Notis Penting :

Dimaklumkan bahawa Cukai Perkhidmatan akan dikuatkuasakan oleh Kerajaan Malaysia pada 1 September 2018 pada kadar enam (6) peratus.

AXA Affin Insurance Malaysia berhak memungut sejumlah amaun bayaran Cukai Perkhidmatan yang dikenakan ke atas premium yang ditetapkan semasa tempoh polisi, atau sekiranya tempoh polisi bermula sebelum dan berakhir selepas 1 September 2018, memungut daripada pemegang polisi amaun Cukai Perkhidmatan secara pro-rata yang dikenakan ke atas premium yang dikira bermula 1 September 2018.

Kewajipan membayar Cukai Perkhidmatan hendaklah tertakluk kepada Terma dan Syarat di dalam polisi Insurans anda. Undang-Undang yang mentadbir Cukai Perkhidmatan adalah Akta Cukai Perkhidmatan, 2018 dan segala Peraturan yang diluluskan oleh Kerajaan Malaysia dari masa ke semasa.

Untuk maklumat lanjut tentang Cukai Perkhidmatan yang dikenakan di bawah industri Insurans & Takaful, sila klik sini. (Rujukan: B. Service Tax – No. 9)