Smart Medic Xtra

Provides comprehensive medical coverage with no co-insurance for your healthcare needs

A good medical protection plan gives you the freedom and confidence to live life without being held back by financial concerns should you ever require medical attention. While you may have taken every precaution to live and lead a healthy lifestyle, an unexpected event can strikeyou or your loved ones without any warning.

SmartMedic Xtra offers you healthcare whenever you need it with no co-insurance. It allows you to enjoy more complete medical security and fewer financial worries.

High overall annual and lifetime limits

SmartMedic Xtra gives you a bigger buffer than ever with high overall annual and lifetime limits, granting you greater assurance when you require your medical protection plan. Enjoy initial overall annual limit of up to RM200,000 and overall lifetime limit of up to RM2 million depending on your selected plan.

Comprehensive medical benefits with no co-insurance

With SmartMedic Xtra, you have less to worry about your medical bills. This plan handles your medical bill without imposing co-insurance, enabling you to focus on getting better

Get rewarded with annual limit increments by being fit

By staying healthy, you will be rewarded with a 10% increase to Overall Annual Limit at the end of every 3 policy years provided no claim has been made during the immediate preceding 3 policy years.

An example of how it works:

A 28-year old male buys a SMX200 plan with an Initial Overall Annual Limit of RM120,000 and Overall Lifetime Limit of RM1.2 million.

Events:

• Between 1st to 3rd Policy Year, no claim was made, the Overall Annual Limit will increase by RM12,000 to RM132,000 from 4th Policy Year to 6th Policy Year.
• Between 4th to 6th Policy Year, two claims were made, the Overall Annual Limit will remain at RM132,000 from 7th Policy Year to 9th Policy Year.
• Between 7th to 9th Policy Year, no claim was made, the Overall Annual Limit will increase by RM12,000 to RM144,000 from 10th Policy Year to 12th Policy Year.

Protection and coverage till 80 years next birthday

You will receive protection up to the age of 80 years next birthday, giving you more confidence to live the best of life even in your golden years.

Coverage wherever life takes you

Fly and travel around the world with full confidence. Be it on holiday or business trip, SmartMedic Xtra grants you international emergency medical assistance service anywhere in the world.

*Terms and conditions apply