SmartMedi Outpatient

Comprehensive protection for your outpatient care

The 1ˢᵗ standalone outpatient medical insurance in Malaysia that offers comprehensive outpatient coverage for visits to General Practitioner and Specialist Clinic.

SmartMedi Outpatient

With SmartMedi Outpatient ― the first-of-its-kind standalone outpatient medical insurance in Malaysia, all your needs will be taken care of. Get covered for your outpatient medical expenses and treatments, even for normal cough, flu, fever as well as diagnostic and laboratory tests at any General Practitioner and/or Specialist Clinic without the need for hospitalization.


It also acts as a complementary plan to your Hospitalisation and Surgical Medical plans, so that you can enjoy a more comprehensive protection covering both your inpatient and outpatient needs.

Key benefits explained
  • Complements your existing Hospitalisation/Surgical Medical Plans

    SmartMedi Outpatient provides added value and coverage on top of your current Hospitalisation and Surgical Medical plans, providing you with both inpatient and outpatient protection.

  • Cashless Facility

    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.

  • Extensive Network of Panel Providers

    Enjoy hassle-free access to our extensive network of panel providers nationwide. Check out www.axa.com.my for the full listing.

  • No medical examination needed

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

Interested in this product?
What we do not cover

1. Pre-existing illness of carcinoma, cancer, leukemia, systemic lupus erythematosus (SLE), disorder of immune system or blood, diabetes, epilepsy, Parkinson disease, kidney failure/dialysis.

2. Any claims incur within 90 days from the policy inception will be on Pay & File basis.

3. More than one (1) Outpatient Consultation per day to a General Practitioner or Specialist.

4. Care or Treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity.

5. Plastic/Cosmetic Surgery, circumcision, eye examination, glasses and refraction or surgical correction of near-sightedness and the use or acquisition of external prosthetic appliances or devices.

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