Customers:
Generali General Insurance
Generali Direct
Customer Portal
Generali Life Insurance
MyGenerali
Agents:
Omni AG
With medical emergencies a reality and hospital cost getting out of control, medical insurance is very crucial.
At Generali, our "Multi Medical-Protector" is a comprehensive health insurance plan that will help ease your concern at an affordable cost. It is a specially tailored Hospital and Surgical insurance cover that provides coverage for surgery or treatment in hospital for all Covered Conditions, regardless of minor or major disability.
Unique Features
Besides the basic cover for Inpatient and Outpatient Benefits, the unique feature of Multi Medical-Protector is it provides cover for the Defined Major Disabilities.
Other benefits provided here include :
What’s Under Defined Major Disabilities?
Multi Medical Protector covers Heart Attack, Stroke, Cancer, Brain Surgery, Open Heart Surgery, Coma, Major Organ Transplant etc. Download our product brochure for more info.
Hassle-free Hospital admission at our participating panel hospitals.
In addition, with our Generali Medical Card, hospital admission has been made simpler for any Covered Conditions. Our appointed Third Party Administrator (TPA) will arrange for your admission with our participating panel hospitals.
Download the mobile app: IHP Health Concierge at either Play Store or App Store
Family Discount
If you buy a family policy with four (4) or more Insured Persons under a same policy, 15% discount on total premium will be given!
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
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The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
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)
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
GenMedic comes with a high annual limit of up to RM8 million that allows you to focus on your health recovery. It also provides you with lifelong coverage up to age 1001 with no lifetime limit.
GenMedic comes with 5% co-insurance2 subject to a minimum of RM500 per policy year and maximum of 1% of each plan annual limit per policy year. Co-insurance is not applicable for any treatment, hospitalisation or surgeries due to an accident or emergency treatment; or in a Malaysian government healthcare facility; or for specific out-patient benefit claims.
GenMedic provides you with future rising medical cost security with special auto-increase feature on your annual limit and hospital room and board limit.
a. Annual limit: With our Inflation Defender, it is designed to allow you to cope with future high medical cost due to inflation. Your initial Annual Limit will be automatically increased by 10% for every 3 policy years, until your medical plan expires.
b. Room and board: Your recovery environment is our priority. We want to ensure you are able to enjoy comfort and privacy not just today, but anytime in future years. With GenMedic, your initial hospital room and board limit will also auto-increase by 10% for every 3 policy years, up to 100% of your initial hospital room and board limit.
Enjoy hassle-free access to our extensive network of panel providers nationwide.
Enjoy coverage for certain pre-existing conditions after a waiting period. Contact us to find out more on this special coverage.
High annual limit of up to RM9,000,000 up to age 80.
Unlimited cover for emergency transportation and medical care to the nearest hospital.
Receive cash payout on top of other payouts from your medical or health insurance plans.
We make it as easy as possible for you to get protected.
Receive daily allowance up to RM150, maximum up to 30 days per policy year. Daily allowance payable as below:·
-RM50 if you are hospitalised due to an accident
-RM100 if you are hospitalised in intensive care unit
-RM150 if you are hospitalised in intensive care unit due to accident
Staying healthy is rewarding! Enjoy a lump sum reward up to RM60 at the end of each policy year if no claim has been made for that policy year.
Convenience when you need it the most. Get quick access to medical care by just presenting your online medical card for hospital admission.
Get yourself and your family protected with 5% premium discount, from as low as RM33 per month.
Get full reimbursement up to your annual limit to ensure full recovery.
Sign up now and enjoy comprehensive medical coverage until your golden years.
We will pay RM2,000 if during the period of insurance, you sustain bodily injury caused by an accident resulting directly and independently of any other cause within one year in death.
We will pay up to RM1,000 for the actual cost of purchasing wheelchair, artificial arm or leg and crutches if the medical equipment is recommended by your attending specialist, physician or surgeon to assist your mobility.
Only 1 simple health declaration is needed.
Enjoy discount of premium when you pay a fixed amount of hospitalization bills.
Choose from 4 plans, starting from RM31 per month.
Covers up to RM500 for Room & Board with RM500,000 annual limit for coverage.
Get your daily allowance of RM60 per day up to 60 days if you are admitted into government hospital. If you suffer from any disease that requires you to be admitted in an isolation ward of a government hospital, additional RM60 per day will be payable, up to 30 days.
This plan does not only provide you with health coverage, but also provides death coverage up to RM40,000 that will be payable to lessen the burden of your family if death happen due to Dengue Fever, Zika or during hospitalisation in an isolation ward.
You are able to enjoy premium discount if you decide to first pay the RM10,000 deductible on your medical expenses and we will reimburse the remaining medical expenses. Deductible amount of RM10,000 is available for Plan200 or Plan250.
Nowadays it is common to hear people undergoing angioplasty, having diabetes or being diagnosed with mental illnesses. As we are concerned for our customers’ wellbeing, additional 10% of sum insured will be payable for each of the following conditions:
1. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
2. 4 covered Diabetic Related Diseases
3. 5 covered Mental Illnesses
You can claim multiple times for different critical illness or across different severity levels within the same or different critical illness category subject to maximum of 100% of the sum insured in total. With other additional benefits given, the total claim can reach up to 230% of the sum insured. Once a claim is admitted, no future claims can be made under the same or lower severity level of the same category.
We give you the flexibility in selecting your rider of Prime and Supreme plan to suit your financial planning. On top of that, you can also choose your rider coverage term from 4 options which are renewable up to age 100.
Enjoy more savings if you choose to pay your premium annually or if you choose the deductible option.
Get quick access to medical care by just presenting your online medical card for hospital admission.
There will be no reduction in your coverage eligibility up until age 80.
AXA AFFIN Life wishes to provide you a lifetime of coverage and thus it is necessary to have unlimited lifetime medical limit to support you up to age 100¹. Also, no lifetime limit for outpatient cancer treatment and kidney dialysis.¹ Terms and conditions apply.
Enjoy an increasing No-Claim Bonus up to a maximum of 20% discount on your insurance charges.
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Opt for a deductible to enjoy further rebate on your insurance charges, if you or your employer decide to first pay a selected amount of your medical expenses while we will reimburse the remaining medical expenses. There are 5 deductible options, the higher the deductible amount, the higher the discount on your insurance charges.
Purchasing medical insurance that aligns with your needs and budget is essential. Before making a decision, we recommend reviewing the following additional information.
Please find below the Premium & Commission Table for SmartCare Optimum Plus. If you have any questions, please consult with our authorized agents or intermediaries, or contact Generali Insurance Malaysia Berhad directly.
The Policyholder can cancel the policy at any time by giving written notice to Generali Insurance Malaysia Berhad. If no claims have been made during the current Policy Year, the Policyholder will be entitled to a premium refund as follows:
Note:
For new buyer(s) of the product, if you cancel your policy by returning the policy within Cooling-Off Period (i.e. 15 days) after you have received the policy, the premiums that you have paid (less administrative cost incurred) will be refunded to you.
Switching policies from one insurer to another will subject your application to new underwriting requirements and waiting periods. If your current health status is less favorable to the new insurer, they may impose new terms and conditions to exclude certain illnesses. To ensure continuous coverage, please consult with us about the accepting terms before your policy expires or before switching your policy.
Our authorized agents or intermediaries can assist by conducting a comprehensive needs analysis, guiding you towards an informed decision. For more information, please contact Generali Insurance Malaysia Berhad.
For detailed information on benefits, what we do not cover, waiting periods, exclusions, terms, and conditions before purchasing, kindly refer to our Policy Wording and Product Disclosure Sheet available for download below.
