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Health Care


Healthcare

What is Healthcare Protection?

Healthcare protection ensures you and your family have the financial resources to access quality medical treatment when you need it most. Medical emergencies often arrive without warning, and with rising lifestyle-related illnesses and the increasing cost of treatment especially in private hospitals as one health crisis could drain your savings if you are not adequately covered.

With the right healthcare protection, you can focus on recovery instead of worrying about mounting bills.


Why is it Important?

As representatives of Great Eastern Life Malaysia, Heroes FP Network provides access to healthcare solutions that safeguard you from high medical costs. Coverage typically includes hospitalization, medication, surgery, laboratory tests, ambulance services, and doctor consultations. Some plans also extend to outpatient care within specified limits.

By reducing your out-of-pocket expenses and enabling access to cashless treatment at network hospitals, healthcare protection provides you and your family with peace of mind during life’s most challenging moments.

Plans for You and Your Family


SmartProtect You (SPY)

An affordable, investment-linked insurance plan designed to protect adults while also building financial value over time.


Key Features:

  • Protection starting from just RM100 a month
  • Coverage up to age 80 or 100 next birthday
  • Additional 1% sum assured every year, up to 40%
  • Protection against death and TPD
  • No-Lapse Guarantee in the first 3 years
  • Option to attach riders for boosted protection

SmartProtect Junior (SPJ)

A long-term protection and savings plan tailored for children, combining life coverage with an investment element.


Key Benefits:

  • Life protection for your child until age 100 next birthday
  • Additional 1% sum assured every year for the first 30 years
  • Protection against death or TPD
  • Maturity benefit: 100% of total investment value at maturity
  • No-Lapse Guarantee in the first 3 years
  • Flexibility to increase investment through top-ups
  • Optional IL EduSaver to build an education fund
  • Boosted protection available with riders

Attachable Riders

Rider Name Benefits
GREAT MediValue / GREAT MediValue Plus Provides medical protection against unexpected emergencies, with various deductible options and a designated medical pathway.
Smart Health Protector / Smart Health Protector Plus Provides medical protection against unexpected emergencies, with various deductible options.
SmartMedic Shield / SmartMedic Shield Extender / SmartMedic Shield Plus Provides medical protection against unexpected emergencies.
Smart Critical Relief Provides coverage for hospital and ICU admission of any unknown diseases that may emerge in the future.
Smart Multi Critical Care Multiple-pay critical illness rider that provides coverage for 188 conditions across early, intermediate, and advanced stages along with special benefits.
IL Critical Illness Benefit Rider Helps secure your finances should critical illness occur to the life assured.
IL Critical Illness Plus Rider Provides additional coverage should critical illness occur to the life assured.
Smart Early Payout CriticalCare Pays you even at the early stages of critical illness.
IL Accidental Death and Dismemberment Benefits Rider Provides coverage in the event of death or injury due to accidents.
IL Comprehensive Accident Benefits Xtra Rider Provides coverage against death and injuries due to accidents.
IL Hospitalisation Benefits Rider Provides daily cash income should the life assured be hospitalised.
IL Payer Benefit Extra Rider Waives premiums should death, disability, or critical illness occur to the payer.
IL Premium Waiver Extra Rider Waives premiums should disability or critical illness occur to the life assured.
IL Premium Waiver on CI Rider Waives premiums should critical illness occur to the life assured.
IL Waiver of Premium on TPD Rider* Waives premiums should disability occur to the life assured.
IL LadyCare Rider Offers protection against female-linked illness and coverage for maternity-related issues.

With SmartProtect You and SmartProtect Junior from Great Eastern Life Malaysia, you can secure comprehensive healthcare coverage for yourself and your children, ensuring that no matter what health challenges come your way, your family’s well-being and financial stability remain protected.