Critical Illness
Life is full of uncertainties. Misfortune always strike when you are least expected. To safeguard the future of yourself as well as your loved ones, planning for adequate protection should be your top priority.
Critical Illness
We help you to seek early treatment when you need it most
Having the right protection plan can ease some of your worries especially when one is least prepared. Thankfully medical science and technology has come a long way and it is a fact that more and more people are surviving with early detection and treatment after being diagnosed with serious and critical illnesses. The Early Pay Critical Illness Rider is a comprehensive critical illness plan that allows you to make early critical illness claims as well as covers you from diabetic related diseases.
Early Pay Critical Illness Rider offers you the following benefits:
Critical illness protection at an early stage
In the event that the insured is diagnosed with a covered critical illness event and survives for a minimum of 30 days, a benefit payout of 30%, 60% and 100% of the sum assured will be made respectively, depending on the severity of the critical illness event and subject to terms and conditions. The policy remains in-force until 100% of the sum assured is paid.
Comprehensive Coverage
You are protected against a total of 92 critical illness events which are grouped into 36 categories with severity levels ranging from low to high.
Additional benefit for Diabetic Related Disease
If the insured is suffering from any one of the 3 covered diabetic related diseases, an additional payout equivalent to 20% of the sum assured is payable. This benefit is payable once only and will not reduce the sum assured.
Multiple claims allowed without waiting in between claims
Multiple claims are allowable for this plan up to a maximum of 120% sum assured. In addition, there is no waiting period applicable between each claim.
Important: This is purely a product summary. Please refer to the policy contract for further details
| Entry age | 4 weeks old to 60 years old |
|---|---|
| Minimum Sum Assured | RM5,000 |
| Coverage Period | Covers until age 85 or upon maturity of the basic plan, whichever is earlier |
| Premium Paying Duration | Payable up to age 85 or upon maturity of the basic plan, whichever is earlier |
Samuel who is just 38 years old was diagnosed with Early Coronary Artery Disease and had to undergo an Angioplasty surgery. Fortunately, the treatment was successful and he managed to return to work. After a year he had major blockages in the coronary arteries and had to undergo a Coronary Artery By-Pass Surgery to save his life. Luckily with Early Pay Critical Illness Rider, there is no waiting period applicable between each claim; as such his plan was able to help him financially with his treatment when he needed it most.