100% of the Sum Assured or Total Premiums Paid, whichever is higher for:
Stroke, Cancer, Heart Attack, Coronary Artery By-pass Surgery,Serious Coronary Artery Disease, Angioplasty, Heart Valve Surgery, Fulminant Viral Hepatitis, End-stage Liver Failure, Primary Pulmonary Arterial Hypertension, End-stage Lung Disease, Kidney Failure, Surgery to Aorta, Chronic Aplastic Anaemia, Major Organ/Bone Marrow Transplant.
50% of the Sum Assured for:
Surgery for Type 2 Diabetic Retinopathy; Limb Amputation due to Type 2 Diabetic Complications; or
Severe Diabetic Nephropathy resulting in Kidney Failure due to Type 2 Diabetic Complications.
5% of the Sum Assured or Cash Value of the policy at the time of death. This will be paid only if there has not been a claim made and approved for Critical Illness prior to death.
100% of the Sum Assured if still alive.