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| Beneficial Life Agency |
| Service. Value. Protection. |
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| SmartCare Optimum |
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| underwritten by |
| This is a hospitalization plan that provides comprehensive coverage against medical expenses incurred due to an illness or accident. |
| Key Advantages |
| High coverage limit and flexibility from four different plans with coverage up to RM 500,000 |
| Cashless Admission facilities - |
| - admission into any of AXA's panel hospitals without paying cash deposit. AXA healthcard pays your hospital bills without you having to worry about the expenses. |
| Longer Coverage period |
| - get uninterrupted coverage until age 80. |
| Guaranteed renewable |
| - the policy is guaranteed to stay in force as long as the premiums are paid. It can never be cancelled for any reason other than non payment. |
| Table of benefits |
| OVERALL ANNUAL LIMIT (for Section A and Section B only) |
| BENEFITS |
| PLAN 1 |
| PLAN 2 |
| PLAN 3 |
| PLAN 4 |
| RM 500,000 |
| RM 200,000 |
| RM 100,000 |
| RM 50,000 |
| SECTION A: INPATIENT & DAYCARE SURGICAL PROCEDURE (per disability) |
| Room & Board, daily maximum (Room Category) Total number of days |
| RM 500 (Basic Suite) |
| 150 days |
| RM 350 (Std Single Bed) |
| RM 180 (Double Bedded) |
| RM 100 (Four Bedded) |
| 120 days |
| 120 days |
| 120 days |
| Intensive care unit, daily maximum Total number of days |
| Full Reimbursement 60 days 60 days 60 days 60 days |
| Operating Theatre |
| Full Reimbursement |
| RM 350 |
| RM 350 |
| Insured Child's Daily Guardian Benefits (for child below 15 years old, up to 60 days) |
| Full Reimbursement |
| Not Applicable |
| Prescription Drugs |
| Full Reimbursement |
| Nursing, Theatre Consumables & Other Ancillary Charges |
| Full Reimbursement |
| Surgeon's Fees Anaesthetist Fee Diagnostic Procedures & Physiotherapy Physician Fees, one visit per day Specialist Fees, one visit per day |
| Full Reimbursement subject to Overall Annual Limit provided the charges are within the recommendations of the Malaysian Medical Association Guidelines and Reasonable and Customary charges |
| Full Reimbursement |
| SECTION B: OUTPATIENT TREATMENT (per disability) |
| Consultations & Diagnostic Procedures within 31 days before hospital confinement |
| RM 5,500 |
| RM 3,500 |
| RM 2,500 |
| RM 1,500 |
| Post Hospitalization Care and Physiotherapy Treatment within 31 days from hospital discharge |
| RM 5,500 |
| RM 3,500 |
| RM 2,500 |
| RM 1,500 |
| Accident & Emergency Treatment within 14 days from the date of the accident |
| Full Reimbursement |
| SECTION C: SPECIAL BENEFITS (Additional limit on top of the annual limit) |
| Kidney Dialysis, lifetime maximum |
| RM 60,000 |
| RM 40,000 |
| RM 20,000 |
| RM 20,000 |
| Cancer Treatment, lifetime maximum |
| RM 60,000 |
| RM 40,000 |
| RM 20,000 |
| RM 20,000 |
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| International Emergency Medical Evacuation and Repatriation, per annual maximum |
| RM 500,000 |
| Not Applicable |
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| Ambulance Fees |
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| If you like to know more, please give us a call at : 012-286 0363, 012-202 8807, or e-mail us at benlife@gmail.com |
| AXA Health Card For Convenience |
| You may also download, complete and fax the Proposal Form to us at : 03-9105 7993 |
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| PANEL HOSPITALS NATIONWIDE Click Here For Listing of Hospitals |
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| Personal |
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| Critical Illness |
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| Accidental Death |
| RM 3,000 |
| RM 3,000 |
| RM 3,000 |
| RM 3,000 |
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