Critical Care Premium Waiver

Premium waiver benefit that relieves your financial burden should a critical illness or Total and Permanent Disability occur.

Critical Care Premium Waiver is a unit deducting rider and can be attached to waive the basic premium of regular premium investment-linked plans or regular top-up premium MaxSaver.

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