Embedded Files
Complete Medical Plan For Protection Against Rising Medical Costs
Complete Medical Plan For Protection Against Rising Medical Costs
SmartCare Optimum Plus is an all-in-one medical plan that protects you and your family against escalating medical costs.
Choose from 3 affordable plans designed to fit different lifestyle needs and enjoy comprehensive protection so you can focus on healthy recovery.
Benefits
Benefits
With our comprehensive medical care plans, you’ll get:
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
High medical coverage
Up to RM2,100,000 annual limit and RM500 Room & Board.
Annual limit is reset every year
Enjoy coverage up to your full annual limit every year, even if you have made claims in the past.
Outpatient kidney dialysis & cancer treatment
Get fully reimbursed for these treatments up to your full annual limit every year.
Post-hospitalisation care & physiotherapy up to 90 days
Get full reimbursement up to your annual limit to ensure full recovery.
Options
Options
Cashless or Non-Cashless Admission Plan
Explore Non-Cashless Admission Plan, which comes with premium discount.
Comprehensive protection up to age 100
Sign up now and enjoy comprehensive medical coverage until your golden years.
What we do not cover
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.
67b6e34efa196a5af96335d9_SmartCare Optimum Plus Brochure (EM) 022025.pdfImportant Information
Important Information
Purchasing medical insurance that aligns with your needs and budget is essential. Before making a decision, we recommend reviewing the following additional information.
Purchasing medical insurance that aligns with your needs and budget is essential. Before making a decision, we recommend reviewing the following additional information.
Premium & Commission Table
Please find below the Premium & Commission Table for SmartCare Optimum Plus. If you have any questions, please consult with our authorized agents or intermediaries, or contact Generali Insurance Malaysia Berhad directly.
Refund Premium Table upon cancellation
The Policyholder can cancel the policy at any time by giving written notice to Generali Insurance Malaysia Berhad. If no claims have been made during the current Policy Year, the Policyholder will be entitled to a premium refund as follows:
Period Not Exceeding Refund of Annual Premium
15 days (for renewal only) 90%
1 month 80%
2 month 70%
3 month 60%
4 month 50%
5 month 40%
6 month 30%
7 month 25%
8 month 20%
9 month 15%
10 month 10%
11 month 5%
Exceeding 11 months No refund
Note: For new buyer(s) of the product, if you cancel your policy by returning the policy within Cooling off Period (i.e. 15 days) after you have received the policy, the premiums that you have paid (less administrative cost incurred) will be refunded to you.
Consequence of switching a medical insurance plan from one insurer to another
Switching policies from one insurer to another will subject your application to new underwriting requirements and waiting periods. If your current health status is less favorable to the new insurer, they may impose new terms and conditions to exclude certain illnesses.
Our authorised agents or intermediaries can assist by conducting a comprehensive needs analysis, guiding you towards an informed decision. For more information, please contact Generali Insurance Malaysia Berhad.
For detailed information on benefits, what we do not cover, waiting periods, exclusions, terms, and conditions before purchasing, kindly refer to our Policy Wording and Product Disclosure Sheet available for download below.
Page updated
Report abuse