Great Eastern Smart Extender Max Medical Card

Safeguard yourself against uncertainty and absurdly expensive healthcare cost with Great Eastern medical insurance. Get your loved ones protected at an affordable price and enjoy serenity and peace in your life.

Great Eastern Smart Extender Max Medical CardHigh annual limit
Annual Limit
up to RM2m
Lifetime Limit
No limit
Room & Board
up to RM400
Coverage Age
30 days - 60 years
No. of Panel Hospitals
Investment-Linked Plan

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How much you can claim for hospital bills

Annual Limit
from RM600k up to RM2m
Lifetime Limit
No limit
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM150 up to RM400per day, up to 180 days a year
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Intensive Care Unit (ICU)
As charged per day, 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 2 visits per day
Diagnostic and Physiotherapy Procedures
As charged within 60 days before hospitalisation
Post-Hospitalisation Treatment
As charged within 180 days after discharge
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Organ Transplant
As charged 
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
As charged 
Ambulance Fees
As charged 
Intraocular Lens
up to RM2kper lifetime


Additional benefits with this insurance

Up to RM200,000
15 days cancellation refund
Hospital Accommodation
Up to 180 days

How to Claim

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

Medical Assistance Hotline & Services
Great Eastern Customer Care Hotline

Smart Extender allows you to make insurance claims only if your medical bills in a single policy year exceeds the deductible amount (read more in the FAQ below). To file a claim and get reimbursement on some of your hospital bills here's what you need to do.

  • Prepare the documents. The list of required docs will depend on the claim that you are making.
  • Submit your documents to any Great Eastern branch or mail to the Head Office at the following address:

Menara Great Eastern
303 Jalan Ampang,
50450 Kuala Lumpur

Great Eastern will contact you to provide status updates once your claim has been processed. If you'd like to follow up your the status of your submission you can also email your queries to [email protected]


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 79 years of age

More Information

What are the important features of Great Eastern Smart Extender Max?

We live in a world so saturated with viruses and bacteria that any one of these malicious organisms could engulf your entire savings just overnight. 

Here's a fun fact: there are more bacteria in your mouth than people in the entire world!

Fear not! Great Eastern Smart Extender Max relieves you from hospitalisation cost when you are admitted to a hospital - this includes surgeon and anesthetist fees, drugs, medicines, diagnostic test, and hospital room and board charges.

This policy also covers fees incurred for follow-up treatment by the same physician and outpatient treatment for kidney dialysis and cancer treatment.

What are the differences between the plans?

  • Deductible Amount

Smart Extender Max offers a total of four different plans, namely SEM60K, SEM100K, SEM150K, and SEM200K. 

The deductible amount is represented by the name of the respective plan. For instance SEM60K indicates a deductible of RM60,000, SEM100K indicates a deductible of RM100,000 and so on.

If you don't have a clue how the deductible amount works, here's an example:

Let's say you have a SEM60K insurance plan in hand. You are admitted to the hospital a few times in the year and the total for your bills is RM90,000. 

You are obliged to pay RM60,000 (deductible) and the insurer will bear the remaining amount of RM30,000

  • Hospital Room and Board

Coverage for hospital room and board charges varies for each plan. SEM200k offers the highest coverage at RM400 a night and the lowest premium rates.

However, your total medical bills have to exceed that RM200,000 before any coverage benefits are paid out.

What unique benefit does Smart Extender offer?

You definitely have a sharp eye! Smart Extender Max will compensate you for the cost incurred for intraocular lens implantation up to RM2,000 per lifetime.

For those of you who are wondering what that is, it is an artificial lens designed to replace the eye's natural lens to treat shortsightedness and deteriorating vision.

How much can I claim? 

With this policy, your annual maximum claim limit ranges from RM600,000 to RM2,000,000 depending on the plan that you choose. 

The great news is there's no lifetime claim limit restriction for all policies!

Who is eligible to apply for this Great Eastern medical card?

Smart Extender Max covers infant as young as 30 days old and elderly up to the age of 79. 

Bear in mind that this policy only accepts new applicant between ages from 30 days to 60 years. 

Only existing policyholders can get coverage up to 79 years old.