Flex Lady Critical Illness

Comprehensive coverage against major female critical illnesses.

It’s rewarding to be able to live the life you want, especially when you’re young and single. So we’re freeing you from having to worry about your health, so you can focus on doing just that. Flex Lady CI is a unit-deducting rider attachable to regular premium investment-linked plans with comprehensive coverage against major female critical illnesses and related surgical treatment up to age 80.

Female Illnesses Benefit

Protection against major illnesses that afflict women:

100% of rider sum assured will be payable if diagnosed with Female Cancer or Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications.
If diagnosed with Breast Cancer, the life assured will still be entitled to Breast Mastectomy and Breast Reconstructive Benefit. If diagnosed with Cancer related to female reproductive organs such as Cervix Uteri, Uterus, Fallopian Tubes, Vulva/Vagina and Ovary, the life assured will still be entitled to Total Hysterectomy benefit.
Upon diagnosis of any other female illnesses (except Female Cancer and SLE), we will pay a lump sum benefit according to schedule of benefits.

Female Surgical Treatment Benefit

Upon undergoing any of the Female Surgical Treatments, we will pay a lump sum benefit according to schedule of benefits.

Cash Allowance for Regular Medical Check-up

Never miss your regular medical check-ups because your health is important.

	ATTAINED AGE 39 AND BELOW	ATTAINED AGE 40 AND ABOVE
Frequency	Every 2 years	Every year
Cash Allowance for Medical Check-up	RM150	RM200

Flex Lady CI will pay out a percentage of the rider sum assured for the following female illnesses and surgical treatments.

Schedule of Benefits

BENEFITS		BENEFIT PAYABLE (%) OF RIDER SUM ASSURED
FEMALE ILLNESSES
1	Female Cancer (Breast, Cervix Uteri, Uterus, Fallopian Tubes, Vulva/Vagina and Ovary)	100%
2	Systemic Lupus Erythematosus (SLE) With Severe Kidney Complications	100%
3	Female Carcinoma-In-Situ (Breast, Cervix Uteri, Uterus, Fallopian Tubes, Vulva/Vagina and Ovary)	30%
4	Chronic Auto-Immune Hepatitis	30%
5	HSIL With Severe Dysplasia	30%
6	Fractures Due To Osteoporosis	30%
7	Uterine Prolapse Requiring Surgical Repair	30%
8	Urinary Incontinence Requiring Surgical Repair	30%
9	Rheumatoid Arthritis With Complication	30%
10	Thyroid Disorders Requiring Surgery Including Graves' Disease	10%
11	Polycystic Ovarian Syndrome	Lump sum payment of RM 2,500
12	Fibroid	Lump sum payment of RM 2,500
13	Ovarian Cyst	Lump sum payment of RM 2,500
FEMALE SURGICAL TREATMENT
1	Facial Reconstructive Surgery Due To Accident	30%
2	Skin Grafting Due To Burns and Skin Cancer	30%
3	Breast Reconstructive Surgery Due to Breast Cancer	30%
4	Breast Mastectomy Due To Breast Cancer	20% for 1 breast or 30% for both breasts
5	Total Hysterectomy Due To Female Reproductive Organs Cancer	30%
6	Radical Vulvectomy	30%
7	Wertheim's Operation	30%
8	Total Pelvic Exenteration	30%

Note: The above benefits will be payable subject to the fulfillment of the detailed definitions of the illnesses and treatments. Please refer to the policy contract for detailed definitions of the illnesses and treatments covered. Each of the benefits is only claimable once. The rider will cease once 100% of the rider sum assured is pair (except for Breast Mastectomy or Breast Reconstructive or Total Hysterectomy).

If you are a female between age 16 and 55 years old, you can attach the Flex Lady CI rider to your regular premium investment-linked insurance plan.

The rider coverage term is up to Life Assured's age 80 or maturity of basic plan, whichever earlier.