Great Eastern Health Insurance In Malaysia

What are Great Eastern panel hospitals and doctors?
Panel hospitals and doctors are medical providers that have agreements with Great Eastern to offer cashless treatment services under eligible plans. This makes the admission and billing process faster and more convenient for policyholders.

Can I get treatment from a non-panel doctor?
Yes, but you may have to pay out-of-pocket first and then file for reimbursement. Reimbursement is subject to policy terms, so it’s advisable to check with Great Eastern or your agent beforehand.

Is the admission process different at a panel hospital?
At panel hospitals, Great Eastern offers a cashless admission process. You or the hospital staff will submit a pre-authorisation form to the insurer. Once approved, you can be admitted without upfront payments for covered services.

What should I do in an emergency if I can’t reach a panel hospital?
Seek treatment at the nearest hospital immediately. You can still claim eligible expenses later, but ensure you retain all original medical documents and receipts for reimbursement.

Do panel hospitals cover specialist consultations and follow-ups?
Yes, depending on your plan, consultations with specialists within panel hospitals may be covered, especially if they relate to a hospital admission or approved procedure.

How does a Great Eastern medical card work?
A medical card helps cover hospitalisation costs at panel hospitals. Depending on your plan, it may cover room and board, surgical fees, specialist consultation, and post-hospitalisation treatment.

How does Great Eastern SmartMedic differ from SmartMedic Enhancer?
SmartMedic provides core medical coverage, while SmartMedic Enhancer expands your coverage further, including higher annual limits, extended post-hospitalisation benefits, and access to overseas treatment.

Is there a waiting period after I buy a plan?
Most policies have a standard waiting period, typically 30 days for general illness and 120 days for specified conditions like cancer or heart disease.

Are pre-existing conditions covered under Great Eastern medical plans?
Pre-existing conditions are usually not covered unless declared, assessed, and accepted by the insurer with specific terms. Always disclose your medical history accurately.