Contents
Common Features Waiting period
Policy proceed Survival Period
Policy Cash Value General exclusion
Policy Type  
Category
Critical Illness-General
Entry age General Coverage
Coverage period Advantages
Premium  
Critical Illness-Female
Entry age Optional Coverage
Coverage period Other Exclusion
Premium Advantage
Basic Coverage  
Common Features
 

Policy proceed

  • Paid in lump sum diagnosis of a covered illness Paid in lump sum upon diagnosis of a covered illness
  • Advancement or Additional to the basic life insurance plan if attached as Rider

Policy Cash Value

  • No Policy Cash value or Refund of premium with or without stated increment paid upon the Policy termination
  • Stated amount of cash value in relation to certain percentage of Life Insurance Amount at specified period if packed under package by one premium.  Basically, there is much higher premium lower protection amount than rider attaching to the whole life insurance.

Policy Type

Standalone / a rider attached to life insurance policy

Waiting period

  1. No amount of Benefit shall be payable if the relevant Dread Disease is first diagnosed or surgery relating to the said Dread Disease occurs within a period of sixty (60) or ninety (90) days from the Date of Issue of the Policy
  2. No amount of Benefit for Complication of Pregnancy and Congenital Anomalies shall be payable within the first year from the Date of Issue of the Policy for Female Pregnancy Cover

Survival Period

The insured may be required to be alive for 14 days after first diagnosed for claiming benefit.

 

  
General exclusion

Attempted suicide or self-inflicted injury Pre-existing condition
Military activities

Congenital condition , AIDS

Influence of drugs, alcohol or narcotics

Carcinoma-in-situ unless contrary to the Policy Contract

Entry age
Aged between 1-55 years old normally. (Some Insurers may accept older age)

Coverage period
Cover till aged 65 or 75 or 100 year old

Premium
Level / yearly or 5-year renewable basis

General Coverage
Named Illness caused by Sickness or Accident, ranging from 35 types to more.

  • Normally exclude Carcinoma-in-situ (Breast, Cervix Uteri, Prostate Gland, Testicles) unless is included, but a limited percentage to the coverage amount even covered.*
  • Each Covered Illness is defined by Insurer on the Policy Contract
  • In general, 4 Common Diseases are covered by all insurers under this insurance.
4 Common Diseases named as General Covered Critical Illness
Cancer Heart Attack Stroke Rental Failure 
 
Other Covered Critical Illness

AIDS due to blood Transfusion

Chronic Adrenal Insufficiency (Addison’s Disease)

End Stage Lung Disease

Motor Neuron Disease

Rheumatoid Arthritis

AIDS due to Occupational Accident

Chronic Relapsing Pancreatitis

Fulminant Hepatitis

Multiple Sclerosis

Severance of Limbs

Alzheimer’s Disease

Coma

Heart Valve and Structural Surgery

Muscular Dystrophy

Severe Asthma

Amputation of Feet due to Complication from Diabetes

Coronary Artery Bypass Surgery

Idiopathic Dilated Cardiomyopathy

Myastheria Gravis

Sever Osteoporosis

Angioplasty

Creutzfeldt-Jacob Disease (Mad Cow Disease)

Loss of Hearing

Necrotising Fascitis (Flesh Eating Disease)

Surgery to Aorta

Aplastic Anaemia

Dissecting Aortic Aneurysm

Loss of Speech

Paralysis

Systemic Lupus Erythematosus

Bacterial Meningitis

Ebola

Major Burns

Parkinson’s Disease

Terminal Illness

Benign Brain Tumour

Elephantiasis

Major Head Trauma

Poliomyelitis

Vegetative State

Blindness

Encephalitis

Major Organ Transplant

Primary Pulmonary Arterial Hypertension

 

Carcinoma-in-situ (Breast, Cervix Uteri, Prostate Gland, Testicles)*

End Stage Liver Disease

Medullary Cystic Disease

Progressive Systemic Sclerosis

 

Advantages

Provide supplementary benefit to meet financial demands of medical treatment and living expenses

Heart Attack

Death of a portion of the heart muscle as a result of inadequate blood supply

Criteria for diagnosis based on:

  • a clinical picture of myocardial infarction;
  • new electro-cardiographic (ECG) changes consistent with a myocardial infarction; and
  • elevation of cardiac enzymes

Stroke

Any cerebrovascular incident or accident producing neurological sequela which lasts more than twenty-four (24) hours.

Included are: infarction of brain tissue, haemorrhage and embolisation from an extracranial source.

Cancer

  • A disease manifested by the presence of malignant tumours characterized by the uncontrolled growth and spread of malignant cells, and invasion of tissue.
  • The term Cancer includes leukemia and Hodgkin’s disease.
  • All skin cancers except malignant melanomas are excluded as well as premalignant tumours or polyps and carcinoma in situ.

Renal Failure

End stage renal disease which presents as chronic irreversible failure of both kidneys to function, as a result of which renal dialysis is instituted or renal transplantation is carried out.

Entry Age
Aged between 16 – 60 years old

Coverage period
Aged between 16 – 65 or 80 or 100 years old

Premium
Level/ Payable to certain year (20 years) or up to the end of Coverage Period

Basic Coverage
Female Diseases Coverage
Carcinoma-in-situ of breast, cervix uteri, uterus, ovary, fallopian tube or vagina
High-grade Squamous Intraepithelial Lesion with Severe Dysplasia
Systemic Lupus Erythematosus

 
Optional Coverage
Pregnancy Cover
Complication of Pregnancy Coverage Congenital Anomalies Coverage
Ectopic Pregnancy Down Syndromes
Disseminated Intravascular Coagulation Spina Bifida
Still birth (dealth of the foetus of the insured on or after 28 weeks of pregnancy) Tetralogy of Fallot
Rubella in Pregnancy Congenital Hydrocephalus
  Neonatal death (death of the newborn within 30 days or delivery)

 
Female Cover Plus
Surgical expenses payable for Hysterectomy and Dilation and Curettage after 45 years old
Osteoporosis Benefit payable which lead to permanent disability
Advance payment to meet medical expenses upon the diagnosis of a covered cancer illness
Compassionate Death benefit after the cover is effective for 5 years

 

Other Exclusion

  • Dies within 30 days from the first diagnosis for Complication of Pregnancy
  • Dies within 30 days after the diagnosis of the female diseases or the occurrence of an accident resulting in surgeries
  • Elective termination of pregnancy other than for medical reasons

Advantages

Provide supplementary benefit to meet financial demands of medical treatment during different life stages

Remarks:
Since the terms and conditions are different for each insurer, please contact us for details!