If the policyholder purchases Smart Legacy 5/5 together with Smart ProTek 5/5, the insured can get comprehensive benefits. The insured can get not only high returns on the premium but also high protection coverage while maintaining regular saving habits and strong personal income-tax savings.

Smart Protek is specially designed as an income replacement product to provide peace of mind and financial security for loved ones in case unfortunate events happen to the family’s breadwinner. It is highly recommended to purchase Smart ProTek together with Smart Legacy for those who’d like high savings and high return benefits along with life insurance protection.

The premium varies on the age ranging from 0.8% to 4.3% of the initial sum assured. This product is suitable for young healthy professionals.

As this is a term product designed for high protection of life insurance coverage at affordable premium rates, other insurance benefits typically associated with savings insurance products, such as Surrender Value, Paid-Up Value, Policy Loan, and Maturity benefits, are not applicable.

The insured has to undergo medical checkup depending on the insured’s age and the coverage amount that the insured desires.

Yes, customer can claim as long as his claims are eligible conditions covered under policy contract and his policy includes OPD plan.

Yes, customer still can claim under other medical expenses even if he does not get hospitalized.

Yes, both work related and normal accidents 24/7 across the country.

Yes, this product includes post-hospitalization treatment subject to days limit per policy contract (must be same condition from hospitalization).

OPD Benefit can claim up to 30 times per year. Medical purchases from OPD visits will be paid under OPD benefit up to maximum limit of each OPD plan per visit.

Example- Maximum benefit per OPD visit for diamond plan – 30,000 MMK with up to 900,000 MMK for total 30 OPD visits.

If the employee resigned within the policy term, premium amount will not be refunded.

3 new employees can be substituted in the place of resigned employee.

Anyone can purchase snake bite life insurance.

Death, injury and hospitalisation due to a snake bite.

Available units
Minimum: 1 unit
Maximum: 10 units
Sum insured
Minimum: 500,000 Kyats
Maximum: 5,000,000 Kyats

Premium is 0.1 % of the sum insured.
Premium payment mode is single premium (one-time payment)

Sum insured
Minimum: 100,000 Kyats
Maximum: 5,000,000 Kyats
Premium is 1 % of the sum insured.
Single premium (one-time payment)

Death, total permanent disability, injury and hospitalisation.
Hospitalisation Benefit (Accidental Injury)
2,000 kyats per day for sum-insured 100,000 kyats
(Up to 5 days per time of hospitalisation, Maximum: 3 times)

No medical examination is required.

Sum insured

Minimum: 100,000 Kyats

Maximum: 5,000,000 Kyats

Premium is 0.5 % of the sum insured.

Premium payment mode is single premium (one-time payment)

1. Death
2. Total Permanent Disability
3. Injury

Age of Insured	Sum Insured Amount
18 – 60 Years old	5,000,000 Kyats and above
61 – 75 Years old	3,000,000 Kyats and above