Financial protection against rising medical costs
Generali 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 fees, surgeon fees, and room and board fees 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!
Generali understands that some people prefer to have peace of mind when it comes to unfortunate events and unexpected expenses, therefore, the Generali SmartCare Optimum Plus medical card provides three different plans with high annual limits, each for more than RM1 million.
| Plan | Annual Limit |
| Plan 1 | RM2.1 million |
| Plan 2 | RM1.5 million |
| Plan 3 | RM1.1 million |
| Plan 4 | RM100,000 |
| Plan 5 | RM50,000 |
What are the highlights of this Generali medical card?
Here are some of the benefits that you will get when you purchase this Generali medical card:
- High medical coverage up to RM2.1 million
- The annual limit is reset every year
- Outpatient Kidney Dialysis and Cancer Treatment benefits are 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 Generali SmartCare Optimum Plus for medical treatment in 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 be referred to treatments 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 exclude the transportation cost to the place of treatment.
When can I start using Generali SmartCare Optimum Plus?
There's a 30-day waiting period after the commencement of your medical card policy before you can use your Generali medical card.
The waiting period won't be applicable after the first year of coverage except for the case of an insurance break-in.
In that case, the waiting period policy will apply again.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
