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.
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Critical Illness
We ensure you are always prepared for unexpected health incidents
Most people don’t actually plan or save enough for medical expenses, particularly in the case of critical illness where long-term medical treatment is required.
Prepare yourself in advance now with Multi Critical Life Rider – a plan that provides you a wide range of critical illnesses benefits. It allows you to make multiple critical illness including Cancer claims. You may claim up to three events of critical illness diagnosis including up to two Cancer events.
Multi Critical Life Rider offers you the following benefits:
Extensive Coverage
This rider provides coverage against 36 critical illnesses.
Multiple Critical Illness Claims
You may claim up to 3 events from different critical illness group, including 2 cancer events. No benefits are payable for more than one critical illness from the same group except for Cancer.
125% Sum Assured for Cancer Claim
For each cancer claim, 125% of sum assured will be payable.
Waiver of Premium
Premium will be waived upon diagnosis any one of the covered critical illness (except for Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease).
List of Critical Illness Groups
| Group | Sum Assured Payable | Coverage |
|---|---|---|
| 1 | 10% (Max RM25,000). The balance can be claimed from another critical illness event from Group 1 |
|
| 100% |
|
|
| 2 | 100% |
|
| 3 | 100% |
|
| 4 | 100% |
|
| 5 | 100% |
|
| 6 | 125% (Up to 2 events) |
|
| 100% |
|
* Major Organ Transplant is defined as when a policyholder is a recipient of one of the following human organs: kidney(s), lung (s), liver, heart or bone marrow
** Up to age 65
*** A 5-year waiting period is required between Cancer claims
Important: This is purely a product summary. Please refer to policy contract for further details.
| Entry age | 4 weeks old to 60 years old |
|---|---|
| Minimum Sum Assured | RM5,000 |
| Premium Paying Duration | Payable up to age 85 or expiry of the basic plan, whichever is earlier |
Sharif is a 55 years old caring father. Just recovered from cancer six years ago, he is now suffering from Alzheimer’s Disease. Inevitably the enormous sum of medical cost for his treatment will pose a heavy financial burden for him and his family.
However for Sharif, he and his family need not fork out their savings to pay for the medical bills. This is because Sharif bought Multi Critical Life Rider ten years back and this plan allows multiple critical illness claims. Similar to the previous cancer claim, Sharif can also claim for the Alzheimer’s Disease that he is diagnosed with.