The cost of insurance is deducted depending on your attained age and it will increase as your age increases.
The cost of insurance for this plan is not guaranteed and AIA reserves the right to revise the cost of insurance by giving you 3 months written notice.
Goods and Services Tax will be chargeable at the prevailing rate on the cost of insurance for the plan, if it is attached to your policy.
You will have to serve a waiting period before you can make any claims under this plan. Different waiting period shall apply for different benefits.
The above benefits shall be payable once the Person Covered's survive for at least 30 days after the diagnosis of a Critical Illness event.
In the event of Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, 10% of the APECC Sum Covered shall be payable, subject to a maximum of RM 25,000 (limited to 1 payment only). The APECC Sum Covered shall be reduced by this advance payment.
No benefit shall be payable under Diabetic Related Disease once 100% of the APECC Sum Covered is paid.
Waiting period for critical illness under high severity is 60 days from the Issue Date or Commencement Date of the rider, whichever is later, for Cancer, Heart Attack, Coronary Artery By-Pass Surgery and Other Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, and 30 days from the Issue Date or Commencement Date of the rider, whichever is later, for other Critical Illness events.
Waiting period for critical illness under low severity, medium severity and diabetic related disease is 60 days from the issue date or commencement date of the rider, whichever is later.