Key feature of MAA Takaful - SmartMedic200 hospitalisation and surgical takaful plan. The best medical takaful plan in Malaysia currently.

1. Introducing
SmartMedic 200
A Complete Solution for
All Your Hospitalisation
Needs.

2. Agenda
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
The 6 Pillars of SmartMedic 200
What’s New in SmartMedic 200?
Competitor’s Analysis
Table of Benefits
Underwriting Guidelines
Exclusions
Table of Contribution
Commission Structure
Managed Care Organisation (MCO)
Panel Hospitals

3. The 6 Pillars of
SmartMedic 200

4. The 6 Pillars of SmartMedic 200
5 Plans for Both Standalone & Rider
High Room & Board of Up to RM1,000
High Annual Limit of Up to RM250,000
No Lifetime Limit
Funeral Expense of RM5,000 for
both Standalone & Rider
No *Co-takaful
Note: *Except for Juvenile (Age 30 days to 15 years old).

5. What’s New in
SmartMedic 200?

6. What’s New in SmartMedic 200?
5 Plans for Both Standalone & Rider
Higher Room & Board of Up to RM1,000
Higher Annual Limit of Up to RM250,000
No Lifetime Limit
Funeral Expense of RM5,000 for Both
Standalone & Rider

7. What’s New in SmartMedic 200?
Co-takaful for Juvenile (Age 30 days to 15)
Post-Hospitalisation Treatment
extended to 60 days from discharge
As Charged for Out-patient Kidney
Dialysis, Cancer Treatment, Medical
Report Fees & Government Service Tax
High Daily Cash Allowance and
Home Nursing Care

8. Competitor’s Analysis

9. Competitor’s Analysis
MAAT
Company AI
Company
PR
Company
GT
Company
ET
Product Type
Standalone &
Rider
Standalone &
Rider
Rider
Rider
Rider
Choice of
Plan
5 Plans of up
to RM1,000
5 Plans of up
to RM350
5 Plans of up
to RM400
5 Plans of up
to RM400
5 Plans of up
to RM500
Product
Term
Guaranteed
Renewal Up
to Age 80
Renewal Up
to Age 99
Guaranteed
Renewal Up
to Age 25,
70, 80, & 100
Renewal Up
to Age 80
Renewal Up
to Age 88
Overall
Annual Limit
Max RM250k
Max RM190k
Max RM250k Max RM200k Max RM300k
Lifetime
Limit
No Lifetime
Limit
No Lifetime
Limit
Max
RM1.5M
Max
RM1.6M
Max
RM1.5M
Funeral
Expense
RM5,000
N/A
N/A
N/A
N/A
Company

10. Competitor’s Analysis
Company
MAAT
Company AI
For Juvenile
Plan only.
Co-takaful
10% of the
balance
exceeding co10% cotakaful Free
takaful
Amount per
subject to min cert. year, max
RM300 & max RM 3000
RM1000 per
Plan (RM)
admission
1
22,000
2
3
4
5
25,000
28,000
33,000
36,000
Company
PR
Company
GT
Yes.
10% of total
expenses
Min RM300,
Max
RM1,000
(H&S) & a
Max:
RM2000
(Outpatient
Treatment
Benefit)
Yes.
10% cotakaful per
disability
Min RM300
Max
RM1000
Company
ET
N/A

11. Table of Benefits

12. Table of Benefits
PLAN BENEFIT
Annual Limit
P150
(RM)
P200
(RM)
P300
(RM)
P500
(RM)
P1000
(RM)
50,000
100,000
150,000
200,000
250,000
Lifetime Limit
No Lifetime Limit
Funeral Expenses
RM5,000
Hospital Benefits
Hospital Room & Board
(max 200 days per annum)
150
200
300
500
Intensive Care Unit
(max 60 days per annum)
Hospital Supplies &
Services
Surgical Fee
Anaesthetist Fee
Operating Theater
Age 16 years & above (adult): As charged
Age 30 days to 15 years (juvenile): As charged,
with 10% co-takaful subject to minimum
co-takaful of RM300 and maximum co-takaful
of RM1,000 per admission
1,000

13. Table of Benefits
PLAN BENEFIT
P150
(RM)
P200
(RM)
P300
(RM)
P500
(RM)
P1000
(RM)
Hospital Benefits
Pre-Hospitalisation
Diagnostic Tests
(within 60 days prior to admission)
Pre-Hospitalisation
Specialist Consultation
(within 60 days prior to admission)
In-Hospitalisation Physician
Visit
(maximum 200 days per annum)
Post-Hospitalisation
Treatment
(within 60 days after discharge)
Age 16 years & above (adult): As charged
Age 30 days to 15 years (juvenile): As charged,
with 10% co-takaful subject to minimum
co-takaful of RM300 and maximum co-takaful
of RM1,000 per admission

14. Table of Benefits
PLAN BENEFIT
P150
(RM)
P200
(RM)
P300
(RM)
Out-Patient Benefits
Emergency Accidental Outpatient Treatment
(within 24 hours and follow up
treatment to
a maximum of 31 days)
Out-patient Physiotherapy
Treatment
(within 90 days after
discharge/surgery)
Ambulance Fees
Out-patient Kidney Dialysis
Treatment
Out-patient Cancer
Treatment
As charged
P500
(RM)
P1000
(RM)

15. Table of Benefits
PLAN BENEFIT
P150
(RM)
P200
(RM)
P300
(RM)
P500
(RM)
P1000
(RM)
100
100
100
100
100
500
750
1,000
1,500
2,000
150
200
300
450
600
Other Benefits
Daily Cash Allowance at
Government Hospital
(maximum 200 days per
annum)
Home Nursing Care
(maximum per admission)
Person Covered Child’s
Daily Guardian Benefit
(maximum per admission)
Medical Report Fees
Government Service Tax
As charged

16. Underwriting
Guidelines

17. Underwriting Guidelines
Benefits
New
Eligibility
Eligibility
Maximum
Person Covered
30 days
Age 59
Participant
1.
Minimum
Age 18
No Limit
Plan
Basic
2.
Term of Coverage
Rider
Expiry
Age 80
Up to Age 80
(follow basic plan term,
whichever is lower)

18. Underwriting Guidelines
Benefits
New
Plan
3.
Plan Code
Standalone
Rider
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
P150
P200
P300
P500
P1000
PR150
PR200
PR300
PR500
PR1000
Plan
4.
Payment Mode
Monthly
Quarterly, Semi
Annually & Annually
Payment Channel
Direct Debit/Auto Debit
or Easy Contribution
Payment facility
All

19. Underwriting Guidelines
Benefits
5.
6.
New
Contribution Mode
Factor
Mode
Monthly
Quarterly
Semi-Annually
Annually
Modal Contribution
0.090
0.250
0.500
1.000
Wakalah Fee
Certificate Year
1
2
3
4
5
6
7 onwards
Wakalah Fee %
75
50
35
30
20
20
8

20. Underwriting Guidelines
Benefits
7.
Upgraded Room &
Board
8. Co-takaful
(Juvenile only)
New
• If the Person Covered is hospitalised at a Room &
Board which is higher than his/her entitlement,
10% co-payment will be waived if there is a
written evidence from authorized hospital
personnel to confirm on the unavailability of
his/her eligible Room & Board.
• The Person Covered only need to pay the
difference of his/her upgraded Room & Board.
• The Person Covered will have to pay 10% of the
cost of an eligible hospital benefit, subject to
minimum co-takaful amount of RM300 and
maximum co-takaful amount of RM1,000.
• The remaining balance of the eligible benefit will be
paid by MAA Takaful Berhad up to the Overall
Annual Limit.

21. Underwriting Guidelines
Benefits
9.
Foreigner
New
Below are the group of foreigners who are eligible to
participate in SmartMedic 200 Plan 1 until Plan 5.
1. Expatriates/Professional
2. With PR status (except for manual workers)
3. Malaysia My Second Home (MM2H)
10. Payment Grace Period 31 days
11. Take Over Option
MTL1 with SM100
SM200 Standalone
MTL2 with SM100
SM200 Rider/Standalone
SM100 Standalone
SM200 Standalone
Subject to minimum 1 year anniversary

22. Exclusions

23. Exclusions
What are the major exclusions
that you should know?



Any medical or physical conditions arising within the first
thirty (30) days of the Person Covered’s cover or
Reinstatement Date, whichever is the later, except for
accidental Injuries.
Pre-existing Illness.
Specified Illnesses occurring during the first one hundred
and twenty (120) days of continuous cover.

24. Exclusions
1.
2.
3.
4.
5.
6.
7.
Abuse of alcohol & drugs
AIDS or ARC (AIDS Related Complex) and HIV
Congenital abnormalities or deformities
Pregnancy related conditions
Treatment related to infertility or impotence
Hospitalization for investigatory purposes
Suicide or intentionally self-inflicted injury while sane or
insane
8. War, criminal or terrorist activities
9. Contamination by radioactivity
10. Donation of body organ

25. Exclusions
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
Cosmetic surgery
Circumcision
Eye examination, surgical correction of nearsightedness
Dental treatment or oral surgery except as necessitated by
accidental injury
Private nursing
Treatment of sleep disorder
Hormone replacement therapy
Weight control
Alternative therapy such as acupuncture, reflexology,
herbalist treatment, aroma therapy & etc
Mental disorder
Participation in dangerous sports or profession
Private flying
Sex changes

26. Table of
Contributions

27. Table of Annual Contribution
(Standalone – Male)
Age/Plan
0–5
6 – 15
16 – 21
22 – 29
30 – 39
40 – 49
50 – 54
55 – 59
60 – 64*
65 – 69*
70 – 74*
75 – 79*
P150
1,078
564
910
803
878
1,049
1,552
2,649
2,421
4,339
5,845
9,912
Note: *For renewal only.
P200
1,402
733
1,137
1,017
1,061
1,316
1,911
3,246
2,919
5,227
7,041
11,937
Male
P300
1,822
952
1,479
1,322
1,379
1,710
2,484
4,219
3,795
6,795
9,154
15,518
P500
2,369
1,238
1,922
1,719
1,792
2,223
3,229
5,485
4,933
8,834
11,900
20,173
P1000
3,080
1,609
2,499
2,235
2,330
2,890
4,198
7,131
6,413
11,484
15,469
26,225

28. Table of Annual Contribution
(Standalone – Female)
Age/Plan
0–5
6 – 15
16 – 21
22 – 29
30 – 39
40 – 49
50 – 54
55 – 59
60 – 64*
65 – 69*
70 – 74*
75 – 79*
P150
1,078
564
951
839
919
1,102
1,599
2,696
2,421
4,339
5,845
9,912
Note: *For renewal only.
P200
1,402
733
1,189
1,063
1,111
1,381
1,968
3,304
2,919
5,227
7,041
11,937
Female
P300
1,822
952
1,546
1,382
1,444
1,796
2,559
4,296
3,795
6,795
9,154
15,518
P500
2,369
1,238
2,009
1,796
1,877
2,334
3,326
5,584
4,933
8,834
11,900
20,173
P1000
3,080
1,609
2,612
2,335
2,440
3,035
4,324
7,259
6,413
11,484
15,469
26,225

29. Table of Annual Tabarru’ Rate
(Standalone – Male)
Age/Plan
0–5
6 – 15
16 – 21
22 – 29
30 – 39
40 – 49
50 – 54
55 – 59
60 – 64*
65 – 69*
70 – 74*
75 – 79*
P150
734.04
390.00
621.00
549.96
585.00
675.00
951.00
1,523.04
2,045.04
3,660.00
4,929.00
8,352.96
Note: *For renewal only.
P200
954.00
507.00
777.00
696.96
708.00
846.96
1,172.04
1,866.96
2,466.00
4,410.00
5,937.96
10,059.96
Male
P300
1,239.96
659.04
1,010.04
906.00
920.04
1,101.00
1,524.00
2,427.96
3,206.04
5,733.00
7,719.00
13,077.96
P500
1,611.96
855.96
1,313.04
1,176.96
1,197.00
1,431.96
1,980.96
3,156.00
4,167.96
7,452.96
10,035.00
17,001.00
P1000
2,094.96
1,113.00
1,707.00
1,530.96
1,556.04
1,860.96
2,574.96
4,103.04
5,418.00
9,689.04
13,044.96
22,101.96

30. Table of Annual Tabarru’ Rate
(Standalone – Female)
Age/Plan
0–5
6 – 15
16 – 21
22 – 29
30 – 39
40 – 49
50 – 54
55 – 59
60 – 64*
65 – 69*
70 – 74*
75 – 79*
P150
734.04
390.00
648.96
575.04
612.96
708.96
980.04
1,550.04
2,045.04
3,660.00
4,929.00
8,352.96
Note: *For renewal only.
P200
954.00
507.00
812.04
728.04
741.00
888.96
1,206.96
1,901.04
2,466.00
4,410.00
5,937.96
10,059.96
Female
P300
1,239.96
659.04
1,056.00
945.96
963.96
1,155.96
1,569.96
2,471.04
3,206.04
5,733.00
7,719.00
13,077.96
P500
1,611.96
855.96
1,373.04
1,230.00
1,253.04
1,503.00
2,040.96
3,213.00
4,167.96
7,452.96
10,035.00
17,001.00
P1000
2,094.96
1,113.00
1,784.04
1,599.96
1,629.00
1,953.96
2,652.96
4,176.96
5,418.00
9,689.04
13,044.96
22,101.96

31. Managed Care
Organisation (MCO)

32. Managed Care Organisation
(MCO)
Note: *For renewal only.
Metronic iCares (MiCares)

33. Note: *For renewal only.
Hospital Admission Workflow
Person Covered arrives at
hospital, produces IC &
Medical Card
Hospital verifies card and
name via our 24x7 call center /
web-system
Hospital faxes
relevant docs with
Admission Request
Form
Our Call Center
validates & authenticate
info, issues GL/DL upon
receipt of relevant
documents
Our Call Center
issues Top-up GL
Hospital updates
interim bills (if exceeds
GL limit)
Person Covered gets admitted
into hospital

34. Note: *For renewal only.
Hospital Discharge Workflow
Person Covered ready
to be discharged
Hospital prepares payment
notice breakdown with details
Hospital faxes all
relevant docs &
medical report
Our Call Center
validates, Audits &
processes payment
notice, issues final GL
upon receipt of full
documents
Person Covered
discharged
Person Covered pays
for uncovered charges
(if any)
Hospital receives final GL

35. Panel Hospitals

36. Note: *For renewal only.
Panel Hospitals
State
Hospital Name
Pantai Cheras Medical Centre
Damai Service Hospital
Hospital Universiti Kebangsaan Malaysia (HUKM)
Institut Jantung Negara (IJN)
Kampung Baru Medical Centre (Al-Islam Specialist Hospital)
Hospital Pantai Indah Kuala Lumpur
Hospital Pusrawi (Formerly Pusat Rawatan Islam)
KPJ Sentosa Medical Center
Wilayah Persekutuan Kuala
Sentul Medical Centre
Lumpur
Tung Shin Hospital
Damai Service Hospital ( Melawati)
Gleneagles Intan Medical Centre
KPJ Tawakal Specialist Hospital
Taman Desa Medical Centre
UKM Specialist Centre
Pantai Medical Centre
Prince Court Medical Centre
UM Specialist Centre

37. Note: *For renewal only.
Panel Hospitals
State
Selangor
Hospital Name
Assunta Hospital
Darul Ehsan Medical Centre
Kajang Plaza Medical Centre
Kelana Jaya Medical Centre
Pantai Klang Specialist Medical Centre
Sunway Medical Centre
Puteri Klang Medical Centre (Sentosa Medical Centre)
Tropicana Specialist Centre (Damansara Woman Specialist)
QHC Medical Centre
Sime Darby Medical Megah
KPJ Kajang Specialist Hospital (Sentosa Medical Centre)
Sri Kota Specialist Medical Centre
Sime Darby Medical Centre (Subang Jaya Medical Centre)
The Tun Hussein Onn Eye Hospital
Arunamari Specialist Medical Centre
Alpha Specialist Centre
KPJ Damansara Specialist Hospital
Colombia Asia Medical Centre Puchong

38. Note: *For renewal only.
Panel Hospitals
State
Kedah
State
Pulau Pinang
Hospital Name
KPJ Kedah Medical Centre
Metro Specialist Centre
Putra Medical Centre
Strand Hospital & Retirement Home
Hospital Name
Gleneagles Medical Centre
Hospital Pantai Mutiara
Island Hospital
Mount Miriam Hospital
Lam Wah Ee Hospital
Tanjung Medical Centre
Penang Adventist Hospital & Clinic Services
KPJ Penang Specialist Hospital
Bagan Specialist Hospital

39. Note: *For renewal only.
Panel Hospitals
State
Melaka
State
Perak
Hospital Name
Pantai Ayer Keroh Melaka Medical Centre
Putra Specialist Hospital Melaka (formerly The Southern
Hospital Melaka)
Mahkota Medical Centre
Hospital Name
Fatimah Hospital
Kinta Medical Centre
Hospital Pantai Putri Ipoh
Perak Community Specialist Hospital
Taiping Medical Centre
KPJ Ipoh Specialist Hospital
Sri Manjung Specialist Centre
Columbia Asia Hospital Taiping

40. Note: *For renewal only.
Panel Hospitals
State
Negeri Sembilan
State
Johor
Hospital Name
Columbia Asia Medical Center, Seremban
Nilai Cancer Institute
Senawang Specialist Hospital
KPJ Seremban Specialist Hospital
NS Chinese Maternity Hospital
Hospital Name
Hospital Pantai Batu Pahat
Medical Specialist Centre
KPJ Johor Specialist Hospital
Columbia Asia Nusajaya
KPJ Puteri Specialist Hospital
KPJ Hospital Penawar
Putra Specialist Hospital, Batu Pahat (formely The Southern
Hospital, Batu Pahat)
Pusat Pakar Kluang Utama
Kempas Medical Centre
Regency Specialist Hospital

41. Note: *For renewal only.
Panel Hospitals
State
Kelantan
State
Pahang
State
Terengganu
Hospital Name
Kota Bharu Medical Centre
KPJ Perdana Specialist Hospital
Hospital Name
Hospital Pakar PRKMUIP Sdn. Bhd
KPJ Kuantan Specialist Hospital
Darul Makmur Medical Centre
Kuantan Clinical Diagnostic Centre
Kuantan Medical Centre
Hospital Name
Kuala Terengganu Specialist Hospital

42. Note: *For renewal only.
Panel Hospitals
State
Sabah
State
Sarawak
Hospital Name
KPJ Damai Specialist Centre
Sabah Medical Centre
Rafflesia Medical Centre
Hospital Name
KPJ Kuching Specialist Hospital
Normah Specialist Medical Centre
Timberland Medical Centre
Columbia Asia Medical Center, Miri
Rejang Medical Centre
Miri City Medical Centre
Sibu Specialist Medical Centre
Bintulu Medical Centre

43. What medical surgeons can do for you is to cure
your physical and some mental sicknesses.
But what they certainly cannot do is to solve your
financial illnesses. One especially caused by your
deteriorating health conditions if not monitored
and planned for wisely.

44. Thank You