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.

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

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