What’s special about the SmartCare Optimum?
Not only is it an affordable health insurance plan, it 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 benefits I get?
Well the most obvious one is that you will get coverage up to the age of 100. In addition to that, there is a 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 of up to RM3,000 for your medical insurance premiums.
How much does it cover?
Aside from all regular hospital expenses like room and board, the use of hospital and surgical equipment, this 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 policy 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 extra payment in your premiums. Options include home nursing care, additional lifetime maximum limit for kidney dialysis and cancer treatment, and finally, post hospitalisation and physiotherapy c over extension to 60 days.
Tell me what the policy doesn’t cover.
As with most insurance policies there are a few exclusions that you need to take note of before purchasing a plan. The policy 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 plan.
Who can sign up for the policy?
Anyone can apply for this plan as long as you are above the legal age. Parents who want to purchase the policy for their kids can do so as soon as they are more than 15 days old.
The maximum entry age for this plan is 59 years old.If you are a policy holder before then, you can extend the policy renewals till the age of 100.