With the escalating and unexpected medical charges, you would prefer to stay healthy and avoid suffering from any illnesses or injuries. An illness or accident can put a real strain on your well being as well as your finances. But now you don’t have to worry about expenses. At AFFINBANK, let SmartCare Optimum concentrate on the bills whilst you concentrate on getting better. SmartCare Optimum is a premium health plan with the widest and comprehensive coverage that gives customers a high range of benefits. From a full refund on inpatient and day surgery costs to high benefits for various outpatient treatments. SmartCare Optimum is the only health plan that offers renewal up to age 80 provided you were already a member on your 59th birthday.

• Wider protection and flexibility from four different plans with coverage up to RM500,000.00
  
• Outpatient treatment including
  • accident and emergency treatment
  • kidney dialysis
  • cancer treatment
    
    
• Deductible Option
  • Customer may choose to buy Deductible Option where they pay the first RM7,500, RM10,000, RM15,000 or RM20,000 of their hospitalization bills.
  • Customer will be entitled to a premium discount up to 50%
    
    
• Cashless Admission facilities
  • Eliminates the need for an admission deposit into any of our AXA 's panel hospitals
    
    
• 24 hours a day, 7 days a week
  • Just call AXA’s 24 hour assistance hotline to arrange cashless admission to any of their panel hospitals in Malaysia. If customer choose Plan 1, customer will also have access to 24-hour emergency medical assistance throughout the world , in addition to having customer’s medical cost reimbursed for emergency treatment oversea.
    
• Income tax relief
  • You can qualify for income tax relief up to RM3,000 for medical insurance premium.

Table of Benefits

Don't let an illness or accident stop you from enjoying life.

Frequently Asked Questions

Who is eligible to join?
If you are in the age group of 1 to 59 as of your next birthday, you are eligible to join. We offer renewal up to age 80 provided you were already a member on your 59th birthday. Dependent children (unmarried & unemployed) must be above 15 days and under 19 years of age, or under 23 years of age if the child is still on full-time higher education in Malaysia. Children under 2 years of age can only be included on a policy held by one or both their parents, and cannot take out a policy themselves.

Is there a surgical schedule?
No. There is no surgical schedule. Benefits are payable on a full refund basis.

What is cashless admission?
This means that you don't have to pay deposits to the hospital if you are admitted to one of the AXA panel hospitals. We will pay, provided the nature of accident or illness is covered under the policy.

What does international emergency medical assistance provide?
It provides 24 hours telephone medical consultation, telephone referral to doctors and hospitals, emergency medical evacuation and repatriation services outside Malaysia.

Are the Premiums Guaranteed?
We may charge the premiums in the future as the premium rates are not guaranteed. If we need to change, this will be based on our overall experience in underwriting this class of business and any changes in Premiums will be notified and made on your policy anniversary.

Is the Renewal Guaranteed?
There is no selective Renewal Loading or Exclusion on individual if claim is made during previous year. No restriction on lifetime limit and full annual limit is restated at Policy Renewal . However, the renewal of the Policy is conditionally guaranteed until the occurrence of any of the following:-

a) non payment of premiums or premiums not made on time
b) fraud or misrepresentation of material fact during application
c) the Policy is cancelled at the request of the policyholder
d) on the death of the policyholder or an Insured Person
e) the Insured Person ceases to qualify as a dependent based on the definitions of the Policy
f) the Insured Person attains the coverage age limit specified
g) termination of coverage for all policies in a certain market

What are the disadvantages on switching policy from one insurer to another?
One of the main disadvantages is if your current health status is less favourable to the new insurer, new terms may be imposed to exclude such illness To ensure continuous cover is provided, you are advised to check with us on the accepting terms prior to your policy expiry date.

Please click the following for more information on:

• Product Disclosure Sheet

For further information, please call us at 03-2055 9931 or 03-2055 9936 or you may download, complete and fax the Proposal Form to 03-2026 4675.