Medical & Health

International Exclusive

Medical & Health

SmartCare Optimum

All-in-One Medical & Hospitalization Plan

Malaysia is currently going through a double-digit medical inflation, which means medical bills and treatments will be costly to bear. Don’t be burdened with the rising medical bills when you should focus on recovering after an unfortunate sickness.

Safeguard yourself and your family’s medical needs with this affordable yet comprehensive health insurance plan that can protect you against the hefty medical expenses.

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

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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..

Benefits

Enjoy comprehensive coverage that gives you a high range of benefits.

Coverage up to age 100
No lifetime limit
Hassle-free cashless admission to panel hospitals

Renewable up to age 100 if you are a policyholder before age 65.

Your annual coverage limit stays the same regardless of your previous claims.

Easy and quick access to treatment when you need it with our medical card.

Coverage up to age 100

Renewable up to age 100 if you are a policyholder before age 65.

Coverage up to age 100
No lifetime limit
Hassle-free cashless admission to panel hospitals

Renewable up to age 100 if you are a policyholder before age 65.

Your annual coverage limit stays the same regardless of your previous claims.

Easy and quick access to treatment when you need it with our medical card.

Covers up to RM500 for Room & Board with RM500,000 annual limit for coverage.

Complements Your Existing Hospitalisation or Surgical Medical Plans
Cashless Facility
Extensive Network of Panel Providers
No Medical Examination Needed

Get added value and coverage on top of your current Hospitalisation and Surgical Medical plans, so you can enjoy both inpatient and outpatient protection.

You will receive a dedicated medical card upon inception of the policy.* Simply flash your card at any of our Panel Providers, and they will settle the eligible bill with us directly.

Otherwise, the eligible medical expenses can be reimbursed on Pay and File basis.

*Only applicable to eligible insured member who is accepted as standard risk upon inception of the policy. Please note that claims incurred within 90 days from policy inception will be on Pay and File basis.

Enjoy hassle-free access to our extensive network of panel providers nationwide.

All you need to do is select the plan that suits your needs and complete the health declaration truthfully.

Covers pre-existing & chronic illnesses

Enjoy coverage for certain pre-existing conditions after a waiting period. Contact us to find out more on this special coverage.

Up to RM9,000,000 coverage a year

High annual limit of up to RM9,000,000 up to age 80.

Emergency medical evacuation

Unlimited cover for emergency transportation and medical care to the nearest hospital.

Pays on top of other health plans
No medical checkup required

Receive cash payout on top of other payouts from your medical or health insurance plans.

We make it as easy as possible for you to get protected.

Daily Allowance for Hospitalisation
No Claim Rewards
Cashless Admission at Panel Hospital
Family Plan Available Now!

Receive daily allowance up to RM150, maximum up to 30 days per policy year. Daily allowance payable as below:·        
-RM50 if you are hospitalised due to an accident     
-RM100 if you are hospitalised in intensive care unit    
-RM150 if you are hospitalised in intensive care unit due to accident

Staying healthy is rewarding! Enjoy a lump sum reward up to RM60 at the end of each policy year if no claim has been made for that policy year.

Convenience when you need it the most. Get quick access to medical care by just presenting your online medical card for hospital admission.

Get yourself and your family protected with 5% premium discount, from as low as RM33 per month.

Post-hospitalisation care & physiotherapy up to 90 days
Comprehensive protection up to age 100

Get full reimbursement up to your annual limit to ensure full recovery.

Sign up now and enjoy comprehensive medical coverage until your golden years.

Accidental Death Benefit
Prosthesis Allowance
Simple Enrolment

We will pay RM2,000 if during the period of insurance, you sustain bodily injury caused by an accident resulting directly and independently of any other cause within one year in death.

We will pay up to RM1,000 for the actual cost of purchasing wheelchair, artificial arm or leg and crutches if the medical equipment is recommended by your attending specialist, physician or surgeon to assist your mobility.

Only 1 simple health declaration is needed.

Enjoy up to 50% savings

Enjoy discount of premium when you pay a fixed amount of hospitalization bills.

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.

Special Critical Illness Benefits up to 30% of sum insured
Allows multiple claims up to 230% of sum insured
Flexible critical illness plan to suit your financial planning with coverage up to age 100

Nowadays it is common to hear people undergoing angioplasty, having diabetes or being diagnosed with mental illnesses. As we are concerned for our customers’ wellbeing, additional 10% of sum insured will be payable for each of the following conditions:
1.      Angioplasty and Other Invasive Treatments for Coronary Artery Disease
2.      4 covered Diabetic Related Diseases
3.      5 covered Mental Illnesses

You can claim multiple times for different critical illness or across different severity levels within the same or different critical illness category subject to maximum of 100% of the sum insured in total. With other additional benefits given, the total claim can reach up to 230% of the sum insured. Once a claim is admitted, no future claims can be made under the same or lower severity level of the same category.

We give you the flexibility in selecting your rider of Prime and Supreme plan to suit your financial planning. On top of that, you can also choose your rider coverage term from 4 options which are renewable up to age 100.

Lower Premium
Cashless admission at panel hospitals
No lifetime limit

Enjoy more savings if you choose to pay your premium annually or if you choose the deductible option.

Get quick access to medical care by just presenting your online medical card for hospital admission.

There will be no reduction in your coverage eligibility up until age 80.

No Lifetime Limit
No-Claim Bonus

Easy and quick access to treatment when you need it with our medical card.

Deductible

AXA AFFIN Life wishes to provide you a lifetime of coverage and thus it is necessary to have unlimited lifetime medical limit to support you up to age 100¹. Also, no lifetime limit for outpatient cancer treatment and kidney dialysis.¹ Terms and conditions apply.

Enjoy an increasing No-Claim Bonus up to a maximum of 20% discount on your insurance charges.

Opt for a deductible to enjoy further rebate on your insurance charges, if you or your employer decide to first pay a selected amount of your medical expenses while we will reimburse the remaining medical expenses. There are 5 deductible options, the higher the deductible amount, the higher the discount on your insurance charges.

Options

Pick an option that best suits your needs and budget.

Option of Cashless or Non-Cashless Admission Plan

Explore Non-Cashless Admission Plan, which comes with premium discount.

Option of Cashless or Non-Cashless Admission Plan

Explore Non-Cashless Admission Plan, which comes with premium discount.

Deductible Option

Go for cost-sharing in the form of deductible plan, which comes with a premium discount of up to 50% from the gross premium.

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Option of Cashless or Non-Cashless Admission Plan

Explore Non-Cashless Admission Plan, which comes with premium discount.

Deductible Option

Go for cost-sharing in the form of deductible plan, which comes with a premium discount of up to 50% from the gross premium.

Fequently Asked Questions

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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.

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