AXA Affin

Underwritten by AXA Affin Life Insurance Berhad

AXA Affin SmartCare Optimum Plus Medical Card

AXA Affin SmartCare Optimum Plus is a complete medical plan to fit your lifestyle. With this medical card, you'll enjoy comprehensive medical care for up to RM2.1 million annual limit which is reset every year!

    • Co-Insurance Up To 20%
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for AXA Affin SmartCare Optimum Plus Medical Card

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for AXA Affin SmartCare Optimum Plus Medical Card

To help you get the most out of your medical card we’ll need to ask you a few questions.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help you complete your application!

Continue to AXA Affin website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.


How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM1100000 up to RM2100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM180 up to RM500up to 180 days per year
    • Consultation & Diagnostic Procedures
      As Charged within 60 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 180 days a year
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged max 1 visit per day
    • Diagnostic and Physiotherapy Procedures
      What's covered when diagnosing your condition and to get your back on your feet again.
      As Charged
    • Hospital Specialist Fees
      Consultation cost for a hospital specialist that's provided by your health insurance policy.
      As Charged max 1 visit per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged within 60 days from the date of the accident
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      from RM50000 up to RM500000optional benefit
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      up to RM100 per day up to 180 days
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      As Charged for child below 15 years old, up to 180 days
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM4000 up to RM6000optional benefit, up to 180 days per year
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Siti, 20 years old, is a fresh graduate who wants a comprehensive yet affordable medical card. He wishes to enjoy RM1.1 million annual limit. 

    Suggested PremiumRM685.00
    Get Quote
  • Family

    The Chan family wants to give the best protection for their 10 years old son, so they purchase AXA Affin medical card for him.

    Suggested PremiumRM876.00
    Get Quote
  • Office Admin

    At the age of 30, Becky wants to be financially protected in case she needs medical treatment. She opts for Plan 2 that gives her RM1.5 million annual limit.

    Suggested PremiumRM952.00
    Get Quote

Actual premium rates will be determined by AXA Affin Life Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

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.

AXA Affin Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 16 days of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 100 years of age

Frequently Asked Questions about AXA Affin SmartCare Optimum Plus Medical Card

Things you might want to know

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 Medical Card?

Here are some of the benefits that you will get when you purchase this 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 Card 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.

Read More