SmartMedic Shield + SmartMedic Shield Plus | Extensive Medical Coverage


SmartMedic Shield + SmartMedic Shield Plus | Extensive Medical Coverage

Extensive medical coverage for your healthcare needs

Medical costs and health setbacks are prevailing issues that often stand the test of time. Which is why you should always ensure that you are well protected with the right medical coverage should a hospitalisation event occur.

With SmartMedic Shield, an investment-linked medical rider that offers you three varying Hospital Room and Board, you will have access to an extensive medical and hospitalisation benefits to aid you towards your great recovery. Additionally, you can choose between a coverage term of up to 80 years or 100 years next birthday, allowing you to plan your medical coverage according to your personal needs. 

Key benefits– SmartMedic Shield

Comprehensive medical benefits with minimal deductible per disability

SmartMedic Shield grants you access to various comprehensive medical benefits with a deductible of RM300 per disability1. The plan’s key benefits include pre- and post-hospitalisation treatments, outpatient cancer and kidney dialysis treatments, dengue fever and Zika virus treatment, ICU expenses, surgical fees and more1.


High Overall Annual Limit, no Overall Lifetime Limit

SmartMedic Shield offers a vital financial buffer to foot your medical bills, with a high Overall Annual Limit and no Overall Lifetime Limit. The Overall Annual Limit, which refreshes every year, goes up to RM2,000,000, depending on your selected plan1


Regular increments to the Hospital Room and Board Limit

A 10% increase to your Hospital Room and Board Limit at the end of every 3 policy years2, up to a cumulative total of 100% the initial Hospital Room and Board limit1.


2 coverage term options to suit your protection needs

SmartMedic Shield provides you the medical coverage term options of up to age 80 or 100 years next birthday, allowing you to plan your life ahead, based on your personal protection needs 1


Post-hospitalisation support for your full recovery

SmartMedic Shield covers you for the follow-up treatment and home nursing care after your discharge, in relation to treatments for wound, respiratory, diabetes care, and more; as prescribed by the treating physician.

Other than that, SmartMedic Shield plan with Room and Board RM400 further reimburses you for post-hospitalisation chiropractic, speech therapy, or occupational therapy by a specialist or physician; alongside treatments by a registered traditional Chinese medicine practitioner1. .


Key benefits– SmartMedic Shield Plus

Deductible waiver for your SmartMedic Shield plan

SmartMedic Shield Plus waives the RM300 deductible of your SmartMedic Shield plan, giving you one less thing to worry about during medical emergencies1


Higher Daily Cash Allowance

In the event of hospitalisation at a Malaysian government hospital, you can rest assured and focus on your recovery with an additional Daily Cash Allowance of RM150 per day4,1


Prolonged Post-Hospitalisation Treatment coverage

This rider prolongs the coverage for your post-hospitalisation treatment as offered by SmartMedic Shield beyond 90 days, from the 91st day to the 200th day after your hospital discharge1


Higher Daily Cash Allowance

In the event of hospitalisation at a Malaysian government hospital, you can rest assured and focus on your recovery with an additional Daily Cash Allowance of RM150 per day4,1


Daily Guardian Benefit

There will be a reimbursement of RM150 per day3 for expenses incurred for meals and lodging by guardians while accompanying you in the hospital1.


Additional protection for accidental death

In the event of accidental death, SmartMedic Shield Plus provides an additional payout of RM20,000, on top of the existing accidental death benefit of SmartMedic Shield1.

Limited offer period

Sign up now to get extra RM2 million medical coverage at no additional cost and Complimentary Digital Health Consultation! From 13 May to 30 June 2022 only.

Footnotes and disclaimers


Please do take note of the below to ensure you fully understand what this product does and does not cover.


Terms and conditions apply.

2 Calculated from SmartMedic Shield’s Risk Effective Date.

3 Up to a maximum of 180 days per policy year.

4 Up to a maximum of 120 days per policy year.


SmartMedic Shield and SmartMedic Shield Plus are unit deduction medical riders attachable to selected regular premium investment-linked insurance plans. These plans are insurance products that are tied to the performance of the underlying assets, and are not pure investment products such as unit trusts. The insurance charge to be imposed will be deducted from the total investment value of your policy on a monthly basis. You may stop paying premiums under the policy and still enjoy protection as long as there is sufficient total investment value to pay for the insurance charge. However, there is a possibility of the policy lapsing when the required charges, including rider charges exceed the total investment value of the fund units available. Purchasing too many unit deduction riders may deplete the fund units.

You have the option to include SmartMedic Shield Plus to your investment-linked insurance plan; however, it must be attached together with SmartMedic Shield. If SmartMedic Shield Plus is subsequently included to your investment-linked insurance plan after your coverage under SmartMedic Shield becomes effective, then the first policy year of SmartMedic Shield Plus will be adjusted accordingly and will be shorter than a year. For subsequent years, the policy anniversary of SmartMedic Shield Plus will coincide with SmartMedic Shield’s policy anniversary.

You should satisfy yourself that these riders will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the Medical and Health Insurance (MHI) product. If a rider is cancelled during this period, the policy owner is entitled to the reinstatement of the units deducted for the payment of insurance charge after net of expenses incurred for the medical examination, if any. If you switch your Medical Policy/Rider from one company to another or if you exchange your current Medical Policy/Rider with another Medical Policy/Rider within the same company, you may be required to submit an application where acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of Policy/Rider switching or replacement.

The above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plans before purchasing the plans. The exclusions and limitations of benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy.

If there is any discrepancy between the English, Bahasa Malaysia and Chinese versions of this brochure, the English version shall prevail.

Information correct as on 13 May 2022.

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