Early Care Critical Illness

Provides you the financial support right from the early to advanced stages of a critical illness.

Depending on the type of illness you have, it’s not too late to get protected. Early Care Critical Illness is a unit-deducting rider attachable to regular premium investment-linked insurance plans that gives you financial capability to fight illnesses from the early stages. Enjoy financial support for both treatment and recovery expenses upon diagnosis of any defined critical illnesses.

With a critical illness payout, a rehabilitation benefit along with a second medical opinion allowance during the early or end stage of a critical illness, you can have a peace of mind and focus on what’s most important: your full recovery. You’ll also enjoy these benefits:

Early Stage Critical Illness Benefit

You will receive a payout of 50% of the Early Care Critical Illness sum assured upon diagnosis of any defined critical Illness, to facilitate the best and most effective treatment when it can make the most difference. The sum assured will be reduced by the amount claimed and continue to provide an end stage critical illness benefit. This benefit will cover you up to age 85.

End Stage Critical Illness Benefit

Up to 100% of the Early Care Critical Illness sum assured is payable upon diagnosis of any defined end stage critical illnesses, provided no early stage claim payout has been made before. End stage critical illness will be covered up to age 100.

Rehabilitation Benefit*

An additional 12% of the Early Care Critical Illness sum assured will be payable to you at the first approved diagnosis of critical illness for rehabilitative needs. The amount will be paid on a monthly basis for a period of 12 months.

Second Medical Opinion*

A lump sum of RM2,000 will be payable to give you the flexibility to choose your preferred specialist for a Second Medical Opinion.

* Rehabilitation Benefit and Second Medical Opinion will only be payable once and covers up to age 85. For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, there is no entitlement for Rehabilitation Benefit and Second Medical Opinion.

Here is an illustration of the claims payout for a Life Assured with an Early Care Critical Illness Rider Sum Assured of RM 200,000:

CRITICAL ILLNESS	CRITICAL ILLNESS STAGE	BENEFIT	CLAIMS PAYOUT
1^ST CLAIM
Cancer	Carcinoma-in-situ (Early Stage Critical Illness)	50% of Rider Sum Assured	RM 100,000
		Rehabilitation Benefit* (12% of Rider Sum Assured)	RM 24,000
		Second Medical Opinion (Lump Sum)	RM 2,000
2^ND CLAIM
Kidney Disease	End Stage Kidney Failure (End Stage Critical Illness)	100% of Rider Sum Assured - 1^st Claims Payout = 50% of Rider Sum Assured	RM 100,000
TOTAL CLAIMS PAYOUT			RM 226,000

*The Rehabilitation Benefit equivalent 1% of Rider Sum Assured will be payable every month, for a period of 12 months. The Rehabilitation Benefit and Second Medical Opinion will cease after the 1st Claim as both benefits are only payable once.

Anyone between 14 days old to 60 years old can attach the Early Care Critical Illness rider to his/her regular premium investment-linked insurance plan.

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