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Health ProtectionGREAT MEDIC XTRA GREAT EXTENDERComprehensive medical coverage for your healthcare needsPerlindungan perubatan komprehensif untuk keperluan jagaankesihatan anda
Benefits at a glanceComprehensive medicalcoverage for your healthcareneeds High Overall Annual Limit with no Overall Lifetime LimitComprehensive medical benefits with no-coinsuranceProtection till 99 years next birthdayInternational emergency medical assistance serviceOptional rider to extend the annual limitNote: Terms and conditions apply.Protection against the unexpectedHaving high medical bills can cause you and your loved onesfinancial stress and worry when faced with an unfortunateevent. Therefore, it is crucial to have proper medicalprotection to ensure that you and your loved ones will notbe financially burdened should the unexpected happen.Great Medic Xtra offers you a comprehensive medical planwith no co-insurance, providing you the protection youneed against high medical cost. The plan helps you to befinancially protected with an Overall Annual Limit of upto RM160,000, depending on your selected plan, with noOverall Lifetime Limit.High Overall Annual Limit with no Overall Lifetime LimitGreat Medic Xtra gives you a bigger buffer with high Overall AnnualLimit and no Overall Lifetime Limit, giving you greater assurancewhen you require medical protection.Note: Terms and conditions apply.Comprehensive medical benefits with no-coinsuranceWith no co-insurance payments required for your medical bill, youcan focus on getting better while we take care of your medicalexpenses.Note: Terms and conditions apply.Protection you can count on until 99 years next birthdayReceive protection up to the age of 99 years next birthday, givingyou the confidence to cope with unforeseen circumstances and livethe best of life even in your golden years.Note: Terms and conditions apply.Coverage wherever life takes youFly and travel around the world with full confidence. Be it onholiday or business trip, Great Medic Xtra grants you internationalemergency medical assistance service anywhere in the world.Note: Terms and conditions apply.
Optional rider to extend the annual limit of Great Medic XtraGreat Extender helps you to be better prepared in times of medicaldifficulties by extending the Overall Annual Limit of your GreatMedic Xtra to ten times of the deductible amount.This rider covers the eligible medical expenses incurred for all insuredbenefits accumulated in any one policy year, minus the deductibleamount. The deductible amount is an amount which is equivalent tothe Overall Annual Limit of Great Medic Xtra. Therefore, the amountof the eligible medical expenses will be covered by Great MedicXtra before Great Extender pays the excess. The deductible amountwill be reset every policy year.An example of how it works:A 28-year old male buys Great Medic Xtra – GMX-150 and GreatExtender – GE90K with a deductible amount of RM90,000. He isadmitted into the hospital in August 2017, September 2017 andOctober 2017 with eligible medical bills of RM50,000 each totallingto RM150,000 during the policy year. The first RM90,000 will beclaimed under the Great Medic Xtra and the remaining RM60,000will be payable under Great Extender.Great Medic Xtra’s Summary Table of Coverage & BenefitsChoose the plan that best suits your medical needs, depending onyour budget and requirement.Plan TypeNo.Insured Benefits1Hospital Roomand Board(Limit per day, subjectto a maximum of 180days per policy yearfor Items (1) and (2)in aggregate)2Intensive CareUnit(Subject to amaximum of 180days per policyyear for Items (1)and (2) inaggregate)3Hospital Suppliesand Services4Surgical Fees5Operating Theatre6Anaesthetist Fees7In HospitalPhysician Visit(2 visits per day)Note: Terms and conditions apply.GMX-150(RM)GMX-200(RM)GMX-300(RM)150200300As charged, subject to the limit statedabove.As charged.As charged.Reimbursement of Reasonableand Customary Charges which isconsistent with those usuallycharged to a ward or room andboard accommodation which isapproximate to and within the dailylimit of the amount stated inHospital Room and Board benefitunder the plan insured.
Plan TypeNo.89Insured BenefitsGMX-150(RM)GMX-200(RM)Plan TypeGMX-300(RM)Pre-HospitalDiagnostic Tests(Within 60 nsultation(Within 60 daysbefore hin 90 daysafter hospitaldischarge)11Organ Transplant12Ambulance Fees13Day Surgery14Outpatient CancerTreatment15Outpatient KidneyDialysis Treatment16Intraocular LensNo.Insured Benefits17Daily-CashAllowance atMalaysianGovernmentHospital(Per day, subjectto a maximum of120 days per t(Limit per policyyear, subject to amaximum of 30days from the dateof accident)As charged.Reimbursement of Reasonableand Customary Charges which isconsistent with those usuallycharged to a ward or room andboard accommodation which isapproximate to and within the dailylimit of the amount stated inHospital Room and Board benefitunder the plan insured.19Overall AnnualLimit for Items (1)to (18)(Based on paidamount)20Overall LifetimeLimitAs charged.Up to 1,000 per eye and maximumof 2,000 per ,0006,000As charged, subject to the limit statedabove.90,000No limit120,000160,000
Great Extender’s Summary Table of Coverage & BenefitsPlan TypeNo.Insured Benefits21Accidental DeathBenefit22Executive SecondOpinion2324Plan 0020,0001In accordance with benefitprovisions in Executive SecondOpinion.Supreme Assist(EmergencyMedical AssistanceServices)In accordance with the benefitprovisions in Supreme Assistagreement.Car AssistanceProgrammeIn accordance with the benefitprovisions in Car AssistanceProgramme agreement.Insured RM)90,000120,000160,00010 times of the Deductible Amountselected.2Overall (Subject to amaximum of 30days from the dateof accident)E.g. If the Deductible Amount isRM90,000, then the Overall AnnualLimit RM90,000 x 10 RM900,000As charged.Note: Items (1) to (16) under Great Medic Xtra’s Summary Table ofCoverage & Benefits are also applicable to Great Extender.
Annual Premium TableOnce you’ve identified the plan(s) you like, refer to the tables below.What you pay depends on your age, gender, occupation and healthstatus.MaleGreat Medic XtraGreat ExtenderAttained Age Next BirthdayGMX - 150(RM)GMX - 200(RM)GMX - .001,438.00192.00173.00144.006 - 10767.00920.001,150.00153.00138.00115.0011 - 15682.00818.001,023.00136.00123.00102.0016 - 20697.00836.001,045.00139.00125.00105.0021 - 25732.00878.001,098.00146.00132.00110.0026 - 30732.00878.001,098.00146.00132.00110.0031 - 35768.00922.001,153.00154.00138.00115.0036 - 40871.001,045.001,306.00174.00157.00131.0041 - 451,125.001,350.001,688.00225.00203.00169.0046 - 501,431.001,717.002,146.00286.00258.00215.0051 - 551,610.001,932.002,415.00322.00290.00242.0056 - 602,219.002,663.003,329.00444.00399.00333.0061 - 653,330.003,996.004,995.00666.00599.00500.0066 - 704,995.005,994.007,493.00999.00899.00749.0071 - 0076 - 6.0081 - 8.0086 - 5.0091 - 3.0096 - 6.00
FemaleGreat Medic XtraGreat ExtenderAttained Age Next BirthdayGMX - 150(RM)GMX - 200(RM)GMX - 01,163.00155.00140.00116.006 - 10671.00805.001,006.00134.00121.00101.0011 - 15596.00715.00894.00119.00107.0089.0016 - 20609.00731.00914.00122.00110.0091.0021 - 25753.00904.001,130.00151.00136.00113.0026 - 30757.00908.001,135.00151.00136.00114.0031 - 35795.00954.001,193.00159.00143.00119.0036 - 40898.001,078.001,348.00180.00162.00135.0041 - 451,116.001,339.001,674.00223.00201.00167.0046 - 501,463.001,756.002,195.00293.00263.00220.0051 - 551,811.002,173.002,716.00362.00326.00272.0056 - 602,238.002,686.003,358.00448.00403.00336.0061 - 653,296.003,955.004,944.00659.00593.00494.0066 - 704,945.005,934.007,418.00989.00890.00742.0071 - 0076 - 9.0081 - 7.0086 - 8.0091 - 0.0096 - 5.00*On renewal basis only.The above premium rates are only applicable to occupational class1 & 2. The premium rates of occupational class 3 & 4 will be provided byyour servicing agent if applicable. Premiums will be charged accordingto your attained age next birthday at renewal and may vary accordingto your age, sex, occupation, health condition and the plan selected.The premium rates are not guaranteed and may be revised from time totime. Upward revision of premiums, if any, will be done on your policyanniversary and we will notify you in writing at least three months beforethe revision takes place.
Frequently Asked QuestionsExclusions and LimitationsQ:A:The Company will not pay any benefit under Great Medic Xtra andGreat Extender as a result of, including any of the following whetherdirectly or indirectly:Who can apply?The minimum entry age is 30 days attained age and themaximum entry age is 70 years next birthday for both GreatMedic Xtra and Great Extender.Q:What are the normal circumstances under which GreatMedic Xtra and/or Great Extender will be terminated?A:The normal circumstances include: Death of the Life Assured. On the policy anniversary on which the LifeAssured’s age is 99 years next birthday. When the policy has lapsed, is surrendered orterminated.Q:A:How do I pay my premiums?You can pay by credit card, cheque or cash. You have theflexibility to pay your premium annually or half-yearly.Q:Am I covered for medical treatment received outsideMalaysia?You are covered for medical treatment received outsideMalaysia but subject to a maximum of 90 consecutive daysif you reside or travel outside Malaysia.A:1.Pre-existing Illness;2.Specified Illnesses occurring within the first 120 days fromthe Risk Commencement Date of Great Medic Xtra and RiskEffective Date of Great Extender (if applicable);3.Any medical or physical conditions arising within the first 30days from the Risk Commencement Date of Great Medic Xtraand Risk Effective Date of Great Extender (if applicable) exceptfor Injury;4.Plastic/cosmetic surgery, circumcision, eye examination,glasses and refraction or surgical correction of nearsightedness(Radial Keratotomy or Lasik) and the use or acquisition ofexternal prosthetic appliances or devices such as artificiallimbs, hearing aids, implanted pacemakers and prescriptionsthereof;5.Dental conditions including dental treatment or oral surgery,except as necessitated by Injury to sound natural teethoccurring in any Policy Year and performed by Dentist;6.Private nursing, rest cures or sanitaria care, illegal drugs,intoxication, sterilization, venereal disease and its sequelae,AIDS (Acquired Immune Deficiency Syndrome) or ARC(AIDS Related Complex) and HIV related diseases, and anycommunicable diseases required quarantine by law;7.Any treatment or surgical operation for congenital conditions ordeformities including hereditary conditions;8.Pregnancy, child birth (including surgical delivery), miscarriage,abortion and prenatal or postnatal care and surgical,mechanical or chemical contraceptive methods of birth controlor treatment pertaining to infertility. Erectile dysfunction andtests or treatment related to impotence or sterilization;Note: Terms and conditions apply.Q:A:Will I be entitled to tax benefits?Benefits received from Great Medic Xtra and Great Extenderare generally non-taxable and premiums paid may qualifyfor tax relief. However, tax benefits are subject to theMalaysian Income Tax Act, 1967, and final decision of theInland Revenue Board.
9.Hospitalisation primarily for investigatory purposes, diagnosis,x-ray examination, general physical or medical examinations,not incidental to treatment or diagnosis of a covered Disabilityor any treatment which is not Medically Necessary and anypreventive treatments, preventive medicines or examinationscarried out by a Physician, and treatments specifically forweight reduction or gain;17. Costs/expenses of services of a non-medical nature, such astelevision, telephones, telex services, radios or similar facilities,admission kit/pack, any government tax that may be imposedby the Hospital and other ineligible non-medical items;10. Suicide, attempted suicide or intentionally self-inflicted injury,while sane or insane;18. Sickness or Injury arising from racing of any kind (except forfoot racing), hazardous sports such as but not limited tosky-diving, water skiing, underwater activities requiringbreathing apparatus, winter sports, professional sports andillegal activities;11. War or any act of war, declared or undeclared, criminal orterrorist activities, active duty in any armed forces, directparticipation in strikes, riots and civil commotion or insurrection;19. Private flying other than as a fare-paying passenger in anycommercial scheduled airlines licensed to carry passengersover established routes;12. Ionising radiation or contamination by radioactivity from anynuclear fuel or nuclear waste from process of nuclear fission orfrom any nuclear weapons material;20. Expenses incurred for sex change;13. Expenses incurred for donation of an body organ by a LifeAssured and cost of acquisition of the organ including allcosts incurred by the donor during organ transplant and itscomplications;14. Investigation and treatment of sleep and snoring disorders,hormone replacement therapy, and alternative therapy such astreatment, medical service or supplies, including but not limitedto chiropractic services, acupuncture, acupressure, reflexology,bone setting, herbalist treatment, massage or aroma therapy orother alternative treatment;15. Care or treatment for which payment is not required or to theextent which is payable by any other insurance or indemnitycovering the Life Assured and disabilities arising out of duties ofemployment or profession that is covered under a Workman’sCompensation Insurance Contract;16. Psychotic, mental or nervous disorders, (including any neurosesand their physiological or psychosomatic manifestations);21. Any Outpatient treatment not related to Inpatient treatment,except as provided under this policy; or22. Charges which are not Reasonable and Customary Charges,or any surgery or treatment which is not Medically Necessary,or charges in excess of Reasonable and CustomaryCharges, or charges which are incurred for Hospitalisation,pre-hospitalisation and/or post-hospitalisation after the ExpiryDate.
Important NoticesGreat Medic Xtra is a non-participating stand-alone medical planand Great Extender is an optional medical rider attachable to theGreat Medic Xtra. Both plans may be renewed until the Life Assuredreaches age 99 years old next birthday. You should satisfy yourselfthat the plan(s) will best serve your needs and that the premiumpayable under the policy is an amount you can afford. A free-lookperiod of 15 days is given for you to review the suitability of thenewly purchased Medical and Health Insurance product (MHI). Ifthe policy is returned to the Company during this period, the fullpremium would be refunded to the policy owner.If there is any discrepancy between the English, Bahasa Malaysiaand Chinese versions of this brochure, the English version shallprevail.The terms “Great Eastern Life” and “the Company” shall refer toGreat Eastern Life Assurance (Malaysia) Berhad.For more information, please contact your friendly GreatEastern Life Planning Advisor or Customer Service Careline at1300-1300 88.Upon cancellation of the policy, the policy owner is entitled for aproportionate refund (where applicable) of the last premium paid,provided no claims have been made during the policy year.If you switch your medical policy/rider from one company toanother or if you exchange your current medical policy/rider withanother medical policy/rider within the same company, you maybe required to submit an application where the acceptance of yourproposal will be subject to the terms and conditions to be imposedat the time of policy switching or replacement.This brochure is for general information only. It is not a contract ofinsurance. You are advised to refer to the Product Disclosure Sheet,consumer education booklet on MHI and sample policy documentsfor detailed important features and benefits of the plan beforepurchasing the plan. The exclusions and limitations of benefitshighlighted above are not exhaustive. Great Eastern Life reservesthe right to revise the benefit structure and restrictions/limitationsfor this plan by giving at least 30 days’ notice. For further information,reference shall be made to the terms and conditions specified in thepolicy issued by Great Eastern Life.HEAD OFFICEGreat Eastern Life Assurance (Malaysia) Berhad (93745-A)Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur03-4259 888803-4259 life.comGreat Eastern Life Assurance (Malaysia) Berhad (93745-A) islicensed under the Financial Services Act 2013 and is regulated byBank Negara Malaysia.For the latest contact details, please refer to the Company’swebsite.
BRANCH OFFICES / PEJABAT CAWANGAN / ݴ ႜ ں Batu Pahat109, Jalan Rahmat83000 Batu Pahat, JohorTel: 07-432 5562 Fax: 07-432 5560BintuluNo. 313, Lot 3956, Phase 4Bintulu Parkcity Commerce SquareJalan Tun Ahmad Zaidi /Jalan Tanjung Batu97000 Bintulu, SarawakTel: 086-336 676 Fax: 086-332 601IpohWisma Great Eastern16, Persiaran Tugu, Greentown Ave30450 Ipoh, PerakTel: 05-254 2027 Fax: 05-255 5578Johor BahruWisma Great Eastern,02-01, Blok A,Komersil Southkey Mozek,Persiaran Southkey 1,Kota Southkey, 80150 Johor BahruTel: 07-336 9388 Fax: 07-336 9383KlangNo. 8 & 10, Jalan Tiara 2ABandar Baru Klang41150 Klang, SelangorTel: 03-3343 6688 Fax: 03-3341 3398KluangNo. 22 & 24Jalan Md Lazim Saim86000 Kluang, JohorTel: 07-772 3529 Fax: 07-772 3449Kota BharuNo. S25/5252-T & UJalan Sultan Yahya Petra15200 Kota Bharu, KelantanTel: 09-748 2332 Fax: 09-744 9701总公司Great Eastern Life Assurance (Malaysia) Berhad (93745-A)Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur03-4259 888803-4259 ��页。Kota KinabaluWisma Great EasternLevel 4 & 5, No. 65 Jalan Gaya88000 Kota Kinabalu, SabahTel: 088-252 033 Fax: 088-210 437Kuala Terengganu2nd Floor, 6FBangunan Persatuan Hin AnnJalan Air Jernih, 20300Kuala Terengganu, TerengganuTel: 09-622 4959 Fax: 09-626 5195KuantanA25, Jalan Dato Lim Hoe Lek25200 Kuantan, PahangTel: 09-515 7666 Fax: 09-515 8477KuchingHouse No. 51, Lot 435Section 54, KTLDTravilion Commercial CentreJalan Padungan93100 Kuching, SarawakTel: 082-412 736 Fax: 082-426 684Lahad DatuGround & 1st FloorMDLD 3804, Lot 66Fajar Centre, Jalan Segama91100 Lahad Datu, SabahTel: 089-884 136 Fax: 089-884 226MelakaNo. 23, Jalan PM 15Plaza Mahkota75000 MelakaTel: 06-282 4577 Fax: 06-283 4579MiriLots 1260 & 1261Block 10, M.C.L.D, Jalan Melayu98000 Miri, SarawakTel: 085-413 299 Fax: 085-417 518Penang25, Light Street10200 PenangTel: 04-262 2141Fax: 04-262 2140SandakanLot 5 & 6, Block 40Lorong Indah 15Bandar Indah, Phase 7Mile 4, North Road90000 Sandakan, SabahTel: 089-213 484 Fax: 089-271 343Seremban101 & 103, Jalan Yam Tuan70000 SerembanNegeri SembilanTel: 06-763 6120 Fax: 06-763 1480SibuNo. 10 A-FWisma Great EasternPersiaran Brooke96000 Sibu, SarawakTel: 084-312 829 Fax: 084-333 925Taiping133A, Jalan Barrack34000 Taiping, PerakTel: 05-805 1021 Fax: 05-805 1023TawauGround FloorWisma Great EasternJalan Billian91000 Tawau, SabahTel: 089-771 322 Fax: 089-762 341MCM/GMX GE/V3/09/18Alor Setar66 & 68, Jalan Teluk Wan Jah05200 Alor Setar, KedahTel: 04-731 9877 Fax: 04-731 9878
October 2017 with eligible medical bills of RM50,000 each totalling to RM150,000 during the policy year. The first RM90,000 will be claimed under the Great Medic Xtra and the remaining RM60,000 will be payable under Great Extender. Note: Terms and conditions apply. Great Medic Xtra's Summary Table of Coverage & Benefits
