Health insurance

SmartCancer Cash

(for renewals only)

Get in touch
Get in touch

Cancer Protection with Double Payout for Gender-Specific Cancer

SmartCancer Cash gives you lump sum cash payout upon diagnosis of cancer, and also 30% upfront payment from diagnosis of early stage cancer.

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GENDER SPECIFIC CANCER 200% OF SUM INSURED

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EARLY STAGE CANCER 30% OF SUM INSURED

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Benefits

With our SmartCancer Cash plans, you’ll get:

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)

Lump sum cash payout upon diagnosis of cancer

This allows you to seek immediate treatment and pay for any unexpected costs.

Get double cash payout for gender specific cancer

Get 200% cash payout of your sum insured if you are diagnosed with gender-specific cancer.

30% payout for early stage cancer

Get a 30% lump sum cash payout so you can fight cancer from the early stages.

Lump sum cash payout upon diagnosis of cancer

This allows you to seek immediate treatment and pay for any unexpected costs.

Lump sum cash payout upon diagnosis of cancer

This allows you to seek immediate treatment and pay for any unexpected costs.

Get double cash payout for gender specific cancer

Get 200% cash payout of your sum insured if you are diagnosed with gender-specific cancer.

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.

30% payout for early stage cancer

Get a 30% lump sum cash payout so you can fight cancer from the early stages.

Enjoy hassle-free access to our extensive network of panel providers nationwide.

Receive cash payout on top of other payouts from your medical or health insurance plans.

Covers pre-existing & chronic illnesses

Enjoy coverage for certain pre-existing conditions after a waiting period. Contact us to find out more on this special coverage.

Up to RM9,000,000 coverage a year

High annual limit of up to RM9,000,000 up to age 80.

Emergency medical evacuation

Unlimited cover for emergency transportation and medical care to the nearest hospital.

Pays on top of other health plans

Receive cash payout on top of other payouts from your medical or health insurance plans.

No medical checkup required

We make it as easy as possible for you to get protected.

Daily Allowance for Hospitalisation

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

No Claim Rewards

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.

Cashless Admission at Panel Hospital

Convenience when you need it the most. Get quick access to medical care by just presenting your online medical card for hospital admission.

Family Plan Available Now!

Get yourself and your family protected with 5% premium discount, from as low as RM33 per month.

Post-hospitalisation care & physiotherapy up to 90 days

Get full reimbursement up to your annual limit to ensure full recovery.

Comprehensive protection up to age 100

Sign up now and enjoy comprehensive medical coverage until your golden years.

Accidental Death Benefit

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.

Prosthesis Allowance

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.

Simple Enrolment

Only 1 simple health declaration is needed.

Enjoy up to 50% savings

Enjoy discount of premium when you pay a fixed amount of hospitalization bills.

Affordable medical plan

Choose from 4 plans, starting from RM31 per month.

High medical coverage

Covers up to RM500 for Room & Board with RM500,000 annual limit for coverage.

Daily Hospital Allowance Upon Admission into Government Hospital

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.

Special Death Coverage

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.

Premium Savings Option with Deductible

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.

Special Critical Illness Benefits up to 30% of sum insured

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

Allows multiple claims up to 230% of sum insured

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.

Flexible critical illness plan to suit your financial planning with coverage up to age 100

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.

Lower Premium

Enjoy more savings if you choose to pay your premium annually or if you choose the deductible option.

Cashless admission at panel hospitals

Get quick access to medical care by just presenting your online medical card for hospital admission.

No lifetime limit

There will be no reduction in your coverage eligibility up until age 80.

No Lifetime Limit

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.

No-Claim Bonus

Enjoy an increasing No-Claim Bonus up to a maximum of 20% discount on your insurance charges.

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Deductible

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.

Options

Optional Benefit - Hospital Income

Receive a daily cash allowance whenever you are admitted to hospital for treatment of a medical condition or accident. With this add-on, you can put aside your financial worries and focus on getting better.

Receive a daily cash allowance whenever you are admitted to hospital for treatment of a medical condition or accident. With this add-on, you can put aside your financial worries and focus on getting better.

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Receive a daily cash allowance whenever you are admitted to hospital for treatment of a medical condition or accident. With this add-on, you can put aside your financial worries and focus on getting better.

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Fequently Asked Questions

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What we do not cover

1. Any cancer and/or carcinoma-in-situ directly or indirectly caused by any pre-existing condition
2. Any signs or symptoms of cancer first occurred within 90 days from the date such Insured Person was first covered under this policy
3. Any signs or symptoms of carcinoma-in-situ first occurred within 120 days from the date such Insured Person was first covered under this policy
4. Cancer and/or carcinoma-in-situ which is diagnosed and the Insured Person lives for a period of less than 14 days after the diagnosis

For the full list of exclusions, kindly refer to our Policy Wording, available for download below.

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Download policy documents here

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