Great Eastern

Underwritten by Great Eastern Life Assurance (Malaysia) Berhad

Great Eastern Smart Premier Health

This medical coverage plans rewards you in health, and eases your worries in sickness. Enjoy an annual limit increase every three years with zero co-insurance payments.

    • Hospital Accommodation Up To 180 Days
    • 3 Years No Claim Bonus At 10%
    • 15-Day Cancellation Refund

Apply online now for Great Eastern Smart Premier Health

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Coverage

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 RM100000 up to RM300000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM2000000 up to RM6000000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM180 up to RM600per day, up to 180 days a year
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged within 60 days before hospitalisation
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day, 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
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      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 2 visits per day
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged within 180 days after discharge
    • Critical Surgery Recovery Benefit
      Cash benefit for some of the bills while recovering from critical surgery.
      from RM20000 / As Charged once per lifetime
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      As Charged
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM8000 up to RM16000per disability, from 181st day to 360th day after discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged once per lifetime
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      from RM4000 up to RM8000within 30 days from date of accident
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM30000 up to RM40000
    • Ambulance Fees
      Charges for ambulance ride to the hospital and paramedic support.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM180 up to RM600per day, up to 180 days a year
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      As Charged per day, up to 180 days a year
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM4000 up to RM7000per confinement, up to 180 days a lifetime
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM150 per report
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      from RM2000 per lifetime
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    22 years old and starting her dream job in consulting soon, Melissa decides she can afford the most basic Premier Health plan. 

    Suggested PremiumRM830
    Get Quote
  • Business Traveller

    Planning to log his travel miles while he's still in his 30s, Daud picks the healthcare plan with double the lifetime limit.

    Suggested PremiumRM1507
    Get Quote
  • VIP

    Entrepreneur, investor and now grandfather. At age 56, Kumaran will only get best medical card that money can buy!

    Suggested PremiumRM6816
    Get Quote

Actual premium rates will be determined by Great Eastern Life Assurance (Malaysia) Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

Suggested Premium is inclusive of 6% GST

How to Claim

Enjoy claims made easy with Great Eastern Smart Premier Health for a claims experiences which matches the premier coverage provided by this healthcare plan. With no co-insurance or deductible amount, you'll be sure to get the most back on your payments for all those hospital bills!

Step 1: Prepare the all the Documents Required for your claim. 

  • You'll need your doctor to fill out the Hospital & Surgical Form for any treatments at the hospital
  • All bills and hospital receipts have to be original copies

Step 2: Submit your documents to:

Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur

Step 3: To follow up on your claims report. 

Great Eastern Customer Care Hotline
 1300130088

Panel Hospitals

Find a hospital or clinic near you!

Requirements

Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 79 years of age

Frequently Asked Questions about Great Eastern Smart Premier Health

Things you might want to know

What's great about the Great Eastern Smart Premier Health?'

This medical insurance from Great Eastern is a complete financial safety net for all your medical and surgical needs. Unlike many other medical insurance policies in the market, you will get a no-claim discount on your premium payments with an increase in your annual limit just by staying healthy - stay fit, eat healthy, and get enough sleep and your medical insurance payments will be but a footnote on your list of expenses.

With the Smart Premier Health, a one-lump sum payment of RM20,000 will be paid out in your name for when you are diagnosed with a life threatening illness - this is a great measure to take especially when your family has a history of chronic illnesses. You can claim this financial help for a major organ or bone marrow transplant, heart valve surgery, surgery to aorta, surgery due to major burns or brain surgery.

Any yearly premium discount for no claims?

If zero claims were made during any policy year, Great Eastern will reward you with a No Claim Discount on your insurance yearly payments for your next policy year. You may get to lessen the burden on your wallet with up to a 25% discount, depending on the number of consecutive years of which no claim was made

How high is my Great Eastern medical card annual limit?

Your initial annual limit can start from RM100,000 to a high of RM300,000 depending on the plan chosen. Don't worry though, you will enjoy a 10% increase in both your hospital room and annual limit at the end of every 3 policy years, only if no claims were made prior. If you're talking about your lifetime limit - that figure is even higher! That amount can be as low RM2 million or RM6 million, again, depending on your chosen medical insurance plan.

Will there be co-insurance or deductible options?

Absolutely N-O! With zero co-insurance or out-of-pocket expenses needed for hospital inpatient benefits such as surgical fees  and hospitalisation treatments - you just have to focus on what's most important, your family and getting healthier.

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