Comparision Smart Medic Xtra with Smart Medic Shield

Smart Medic Xtra Smart Medic Shield

目前医药卡 新的医药卡
Room RM 150 / day , every 3 year increase 10%, Max double
病房 RM 150 / 天， 每3年起10%， 最高一倍

co-insurance / deductible no Flat RM 300

自己需要承担的费用 没有 统一 RM 300

Upgrade Room room different only Flat RM 300 + room different

提升病房 病房差价而已 统一 RM 300 加病房差价

Annual Limit 3 million

每年限额 3 百万

MRI / PET SCAN must admited only covered covered as outpatient ( Max 30 days)
必须入院才受保 不用住院都可以保 （最多30 天）

Dengue must admited only covered covered as outpatient ( Max 30 days)

必须入院才受保 不用住院都可以保 （最多30 天）

Intraocular Lense RM 2000 RM 8000

人工水晶體 (镜片）

Room Max 180 days Normal Ward : no limit per year, ICU: 200 days per year
病房 一年最多180天 普通病房 : 没有限制 , ICU 一年最多200天

Pre-Hospitalisation Medicine not covered Medicine covered

住院前治疗 药物不保 药物 - 包括

Pre-Hospitalisation 60 days 90 days

住院前治疗 60 天 90 天

Medical Report Fees not covered Cover up to RM 200

不受保 最多受保 RM 200
 SCHEDULE OF BENEFITS
DEDUCTIBLE: RM300 (APPLICABLE FOR INSURED BENEFITS (1) TO (14))

Item Insured Benefits Maximum Benefits

(1) Hospital Room and Board RM 150 per day, subject to Overall Annual Limit.
(No limit on the number of days)
(2) Intensive Care Unit As charged, subject to Overall Annual Limit.
(subject to a maximum of 200 days per Policy
Year)
(3) Increase to the Hospital Room and Board Up to a cumulative total of RM150, subject to
(Increase of RM15 to the daily limit of the Overall Annual Limit.
Hospital Room and Board, every 3 years starting
from the end of the third (3rd) Policy Year)
(4) Hospital Supplies & Services
(5) Surgical Fees
(6) Operating Theatre
(7) Anaesthetist Fees
(8) In Hospital Physician Visit
(subject to a maximum of 2 visits per day)
(9) Pre-Hospital Diagnostic Tests
(within 90 days prior to Hospitalisation)
As charged, subject to Overall Annual Limit.
(10) Pre-Hospital Specialist Consultation, Treatment,
Prescribed Medicines and Second Medical
Opinion (within 90 days prior to Hospitalisation)
(11) Post-Hospitalisation Treatment
(within 90 days after discharge from Hospital)
(12) Organ Transplant
(13) Ambulance Fees
(14) Day Surgery
(15) Post-Hospitalisation Home Nursing Care As charged, up to RM8,000 per Disability and 200
(within 200 days after discharge from Hospital) days per lifetime.
Subject to Overall Annual Limit.
(16) Outpatient Cancer Treatment
(including consultation, examination tests and
prescribed take home drugs)
(17) Outpatient Kidney Dialysis Treatment
(including consultation, examination tests and
prescribed take home drugs) As charged, subject to Overall Annual Limit.
(18) Outpatient Treatment for Dengue Fever and Zika
Virus
(19) Emergency Accidental Outpatient Treatment
(subject to a maximum of 30 days from the date of
Accident)
(20) Outpatient Imaging (MRI/PET) Up to RM5,000 per Policy Year, subject to Overall
(subject to a maximum of 30 days from the date of Annual Limit.
MRI/PET)
(21) Daily-Cash Allowance at Malaysian Government RM50 per day, subject to Overall Annual Limit.
Hospital
(subject to a maximum of 120 days in any Policy
Year)
(22) Intraocular Lens Up to RM8,000 per lifetime, subject to Overall
Annual Limit.
(23) Medical Report Fees Up to RM200 per Hospitalisation for Inpatient
treatment or per Disability for Outpatient treatment,
subject to Overall Annual Limit.
(24) Overall Annual Limit RM1,000,000

(25) Overall Lifetime Limit No Limit

(26) Accidental Death Benefit RM 10,000