Critical Care Essential

Critical Care Essential

Protects you against 50 Critical Illnesses with additional payout.

Critical Care Essential is a unit deducting rider and can be attached to waive the basic premium of regular premium investment-linked plans. This plan provides coverage in the event of insured person is first diagnosed of a dread disease.

With this rider, you’ll receive:

  • Critical illness protection
  • Additional sum assured to basic plan sum assured
  • Maximum sum assured up to RM4,000,000

List of 50 Critical Illnesses Covered

NO. CRITICAL ILLNESS
1 Alzhiemer's Disease / Severe Dementia
2 Angioplasty and other invasive treatments for coronary artery disease
3 Apallic Syndrome
4 Bacterial Meningitis – Resulting in permanent inability to perform activities of daily living
5 Benign Brain Tumour – of specified severity
6 Blindness - Permanent and Irreversible
7 Brain Surgery
8 Cancer - of specified severity and does not cover very early cancers
9 Cardiomyopathy – of specified severity
10 Chronic Aplastic Anemia – resulting in permanent bone marrow failure
11 Chronic Autoimmune Hepatitis
12 Chronic Relapsing Pancreatitis
13 Coma – resulting in permanent neurological deficit with persisting clinical symptoms
14 Coronary Artery By-Pass Surgery
15 Creutzfeldt-Jakob Disease
16 Crohn's Diseases with Fistula
17 Deafness - Permanent and Irreversible
18 Elephantiasis
19 Encephalitis – resulting in permanent inability to perform activities of daily living
20 End-Stage Liver Failure
21 End-Stage Lung Disease
22 Full-blown AIDS
23 Fulminant Viral Hepatitis
24 Heart Attack - of specified severity
25 Heart Valve Surgery
26 HIV Infection Due To Blood Transfusion
27 Infective Endocarditis
28 Kidney Failure - requiring dialysis or kidney transplant
29 Loss of Independent Existence
30 Loss of Speech
31 Major Head Trauma
32 Major Organ / Bone Marrow Transplant
33 Medullary Cystic Disease
34 Motor Neuron Disease – permanent neurological deficit with persisting clinical symptoms
35 Multiple Sclerosis
36 Muscular Dystrophy
37 Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
38 Paralysis of limbs
39 Parkinson's Disease - resulting in permanent inability to perform activities of daily living
40 Pheochromocytoma
41 Poliomyelitis
42 Primary Pulmonary Arterial Hypertension – of specified severity
43 Progressive Scleroderma
44 Serious Coronary Artery Disease
45 Stroke - resulting in permanent neurological deficit with persisting clinical symptoms
46 Surgery to Aorta
47 Systemic Lupus Erythematosus with Severe Kidney Complications
48 Terminal Illness
49 Third Degree Burns – of specified severity
50 Ulcerative Colitis with Total Colectomy

Insured: 14 days to 65 years old. Policyholder: 16 years old and above.

The rider coverage term is up to Life Assured's age 100 or maturity of basic plan, whichever earlier.

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The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Life Insurance Malaysia Berhad or PIDM.