Smart Premier Health

Be rewarded for staying healthy

Introducing Smart Premier Health – an investment-linked medical rider that offers comprehensive medical security. Loaded with smart features, this plan rewards you when you are healthy and ease your worries when you are sick.

Unlike most medical plans in the market, Smart Premier Health offers you No Claim Discount on insurance charges, and annual limit increments just for staying healthy. On top of that, you will not be burdened with co-insurance payments should the unexpected happen. This means you have one less thing to worry about when you are admitted into a hospital. To top it all off, enjoy stress-free golden years by staying medically protected till age 80 years next birthday.

Key benefits

Save up to 25% as you stay healthy

If no claim is made in a policy year, you will be rewarded with a No Claim Discount of up to 25% on your insurance charges for the next policy year.

Get even more as you stay healthy

Enjoy an increased Overall Annual Limit at the end of every 3 policy years, provided no claim is made in the immediate preceding 3 policy years.

Higher Hospital Room and Board limit

Get a 10% raise in your plan’s Hospital Room and Board limit at the end of every 3 policy years, up to a total of 100% of your plan’s initial limit.

Enjoy comprehensive medical benefits with no co-insurance

The plan doesn’t just look after your medical needs, it also offers you added financial security. With no co-insurance payments required for hospital inpatient benefits such as surgical fees as well as pre-hospitalisation and post-hospitalisation treatments, you can just focus on getting better while we take care of the rest.

Be shielded with security of high lifetime limits

Smart Premier Health shields you from costly medical bills with a lifetime limit of between RM2 million and RM6 million, depending on the plan selected.

Greater assurance with Critical Surgery Recovery Benefit

In the event of a life changing illness, the plan provides financial support to aid your recovery. A one-time lump sum of RM20,000 is payable for recovery from a major organ or bone marrow transplant, heart valve surgery, surgery to aorta, surgery due to major burns or brain surgery.