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With rising medical costs every year, you can safeguard you and your family’s medical needs with this affordable plan.
With rising medical costs every year, you can safeguard you and your family’s medical needs with this affordable plan.
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!
Easy and quick access to treatment when you need it with our medical card
Enjoy discount of premium when you pay a fixed amount of hospitalization bills
Renewable for up to age 100 if you are a policyholder before age 59
Your annual coverage limit stays the same regardless of your previous claims
Choose from 4 plans, starting from RM31 per month
Covers up to RM500 for Room & Board with RM500,000 annual limit for coverage
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.
SmartCare Optimum Brochure (U220221).pdf
595 KB
SmartCare-Optimum-Policy-Wording(G4HID08).pdf
82 KB
SmartCare Optimum PDS.pdf
288 KB
Proposal_Form_-_Hospital_&_Surgical_Insurance_V6_.pdf
470 KB
SmartCare Optimum Premium Rating Table.pdf
282 KB
AAN Latest Panel Hospital Listing for SCE_SCO_SCO+ (1st September 2020) 27082020).pdf
442 KB
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:
For more information, please click here to contact us.
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)
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)
