AXA Affin SmartCare Optimum Medical Card

Say goodbye to stressful hospital admissions and incredibly high medical bills with AXA Affin SmartCare Optimum Medical Card! Enjoy cashless hospital admission.

AXA Affin SmartCare Optimum Medical Card
Annual Limit
up to RM500k
Lifetime Limit
Not applicable
Room & Board
up to RM500
Coverage Age
From 15 days
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM50k up to RM500k
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
As charged per disability
Room & Board
from RM100 up to RM500up to 180 days per year
Surgical Fees
As charged 
Consultation & Diagnostic Procedures
As charged within 60 days before hospitalisation
Medication and Treatment
As charged 
Intensive Care Unit (ICU)
As charged up to 180 days a year
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged 1 visit per day
Diagnostic and Physiotherapy Procedures
As charged 
Hospital Specialist Fees
As charged 1 visit per day
Post-Hospitalisation Treatment
As charged within 60 days after discharge
Prescription Drugs
As charged 
Outpatient Kidney Dialysis Treatment
from RM30k up to RM150kper lifetime
Outpatient Cancer Treatment
from RM30k up to RM150kper lifetime
As charged per disability, 60 days after discharge
Emergency Accidental Outpatient Treatment
As charged 60 days after the accident
Accidental Death
up to RM3k
Medical Evacuation and Repatriation
from RM50k up to RM500kper year
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
up to RM100per day, up to 180 days a year
Insured Child Guardian Benefit
As charged for child up to 15 years old, up to 180 days
Home Nursing Care
from RM3k up to RM6koptional benefit


Additional benefits with this insurance

Up to RM20,000
15 days cancellation refund
Hospital Accommodation
Up to 180 days

How to Claim

Who do I contact if I have a question or emergency?

AXA Affin Customer Care Hotline

There are a couple ways for you to make your claims when dealing with AXA Affin. It varies and depends on the type of claim you are making.

If you require emergency medical attention then you will be driving into the emergency admission at the hospital you visit. In the case that you are at a AXA Affin Panel hospital then you need only present your medical card and let AXA Affin handle the rest. You will be required to fill up a pre-authorization form as well. For the most part this is the easiest method. If you are not at a Panel hospital then you will have to make your own payments and later submit a claim form for reimbursement. 

The next option is that, you might have a scheduled visit to the hospital. In this case, you will need to contact AXA Affin a day or two before your appointment and send them the admission letter provided by the hospital. This way you will receive a guarantee letter from MiCare that you can bring along with you to the appointment, and will make payments easier.

Lastly, if you are requesting a reimbursement from AXA Affin then as per the work flow, you will need to have the claim form that you can get here. You will need to gather a claim statement, medical report, all original bills and receipts and an investigation report. Compile and submit these documents to AXA Affin or your agent and you will have begun the claims process.


Minimum Entry Age
At least 15 days of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 100 years of age

More Information

What’s special about AXA Affin SmartCare Optimum Medical Card?

Not only is it an affordable health insurance plan, AXA Affin SmartCare Optimum comes with a medical card for easy admissions and better coverage. 

It is one of the versatile medical insurance policies offered by AXA Affin, as it comes with 4 plan choices within the policy.

This way you are in control of how much you want to be covered and how much premium you would like to take on because each plan comes with varying rates and schemes for coverage.

What are some of the AXA insurance benefits?

Well, the most obvious one is that you will get coverage up to the age of 100. In addition to that, there is high medical coverage with a little perk whether you make a claim or not.

With no lifetime limit, no matter what your previous claims are your annual coverage limit remains the same.

Enjoy access to 24-hr assistance for easy cashless admissions at any one of the AXA Affin Panel hospitals whenever you need, in case of an emergency.

Lastly, you will get to cash in on some income tax relief for your AXA insurance premiums.

How much does this medical insurance cost?

Aside from all regular hospital expenses like room and board, the use of hospital and surgical equipment, this medical insurance policy also looks after a number of medical expenses. 

So you will not have to worry about charges pertaining to surgery and medication or even the use of an ambulance for transportation as they will all be covered and for the most part, repaid in full.

The AXA insurance also offers outpatient care in certain instances. 

You will be covered for physiotherapy treatment, as well as accident and emergency treatment within 31 days from your date of discharge. 

Over and above that you will have additional limits over your annual limit for kidney dialysis treatment, cancer treatment, accidental death and emergency medical evacuation and repatriation.

There are also a few optional benefits that you can acquire with a little bit of extra payment in your medical card premiums. 

Options include home nursing care, additional lifetime maximum limit for kidney dialysis and cancer treatment, and finally, post-hospitalisation and physiotherapy cover extension to 60 days.

Tell me what the AXA Affin medical card doesn’t cover.

As with most insurance policies, there are a few exclusions that you need to take note of before purchasing this AXA Affin medical card. 

The medical card will not cover hospitalization for investigatory purposes, investigation and treatment for infertility or impotence.

Treatments of sexually transmitted diseases, self-harm, attempted suicide and injuries pertaining to professional sports or dangerous extreme activities are also not included in the AXA insurance plan.

Who can sign up for AXA Affin SmartCare Optimum Medical Card?

Anyone can apply for AXA Affin SmartCare Optimum Medical Card as long as they're above the legal age.

Parents who want to purchase the AXA insurance for their kids can do so as soon as they are more than 15 days old.

The maximum entry age for this medical card is 59 years old. If you are a policyholder before then, you can extend the policy renewals till the age of 100. 

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product