AXA Affin SmartCare Optimum Plus Medical Card

AXA Affin SmartCare Optimum Plus provides comprehensive medical care for up to RM2.1 million annual limit which is reset every year. Be protected up to 100 years old.

AXA Affin SmartCare Optimum Plus Medical Card
Annual Limit
up to RM2.1m
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 RM1.1m up to RM2.1m
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
Not applicable
Room & Board
from RM180 up to RM500up to 180 days per year
Surgical Fees
As charged 
Consultation & Diagnostic Procedures
As charged within 60 days before hospitalisation
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 max 1 visit per day
Diagnostic and Physiotherapy Procedures
As charged 
Hospital Specialist Fees
As charged max 1 visit per day
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Prescription Drugs
As charged 
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Emergency Accidental Outpatient Treatment
As charged within 60 days from the date of the accident
Medical Evacuation and Repatriation
from RM50k up to RM500koptional benefit
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
up to RM100per day up to 180 days
Insured Child Guardian Benefit
As charged for child below 15 years old, up to 180 days
Home Nursing Care
from RM4k up to RM6koptional benefit, up to 180 days per year


Additional benefits with this insurance

Up to 20%
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

Depending on the type of claim you are making, there are a few ways to make your claim to AXA Affin.

1. Emergency Case

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 an AXA Affin Panel hospital then you need only present your medical card and let AXA Affin handle the rest. Remember to fill up a pre-authorization form. 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.

2. Scheduled Visit

If you wish to schedule a visit to a hospital, you need to contact AXA Affin a day or two before your appointment and send them the admission letter provided by the hospital. By following this procedure, you will receive a guarantee letter from MiCare that you can bring along with you to the appointment, making your payments easier.

3. Reimbursement Request

Download and fill the AXA Affin claim form here and gather it with claim supporting documents such as claim statement, medical report, original bills and investigation report. Submit the claim form and documents to your agent or directly to AXA Affin to be processed.


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

AXA Affin SmartCare Optimum Plus, Financial Protection Against Rising Medical Costs

AXA Affin SmartCare Optimum Plus is the medical card you need that provides comprehensive coverage and a high annual limit of up to RM2.1 million. 

As if the living costs nowadays aren't high enough, getting into an accident will drain your savings. 

From ambulance fee, surgeon fee, room & board fee to post-hospitalisation treatments, imagine how much you have to spend. 

On top of that, you need to bear the risk of losing your income when you're hospitalised!

AXA Affin understands that some people prefer to have peace of mind when it comes to unfortunate events and unexpected expenses, therefore, the AXA Affin SMartCare Optimum Plus medical card provides three different plans with high annual limits, each for more than RM1 million.

PlanAnnual Limit
Plan 1RM2.1 million
Plan 2RM1.5 million
Plan 3RM1.1 million

What are the Highlights of This AXA Affin Medical Card?

Here are some of the benefits that you will get when you purchase this AXA Affin medical card:

  • High medical coverage up to RM2.1 million
  • The annual limit is reset every year
  • Outpatient Kidney Dialysis and Cancer Treatment benefit is up to the annual limit
  • Comprehensive protection up to the age of 100
  • 24-hour emergency medical assistance
  • Up to 90 days of Post-hospitalisation Care & Physiotherapy

Overseas Treatment Medical Insurance Policy

You can use AXA Affin SmartCare Optimum Plus for medical treatment within Malaysia, Singapore and Brunei. 

However, if you reside or travel outside of the three countries for more than 90 consecutive days, you will receive no benefit. 

Should you are referred to be treated outside Malaysia by the attending doctor or physician, the medical treatment benefits shall be limited to the reasonable, customary and medically necessary charges for such equivalent local treatment and Malaysia. 

The medical card benefits are excluding the transportation cost to the place of treatment.

When Can I Start Using AXA Affin SmartCare Optimum Plus?

There's a 30-day waiting period after the commencement of your medical card policy before you can use your AXA Affin medical card. 

The waiting period won't be applicable after the first year of cover except for the case of insurance break-in. 

In that case, the waiting period policy will apply again.

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