| |
|
| Life is precious. We will do everything possible to ensure our loved ones especially those under our care and responsibility to be protected should anything unexpected happened to us. Being totally prepared for the unfortunate events in our lives might not be possible. However, we can still try to be adequately prepared for these uncertainties. |
| |
|
 |
| • |
This is a non-participating, investment-linked decreasing term rider. |
| |
 |
| Diagnosis of 36 Critical Illnesses |
| • |
Upon diagnosis of any of the 36 critical illnesses of the Life Assured, the following benefit shall be payable: |
| - |
Waiver of premium on basic plan; or |
| - |
Family income benefit is payable until expiry of coverage term, whereby the benefit shall be payable in any of the following 3 methods: |
| i) |
Monthly Income (default); |
| ii) |
Lump Sum (upon request); or |
| iii) |
Annual Income (upon request). |
|
| • |
This rider is only applicable on 1st life. |
| • |
A 30-day waiting period applies from the date of inception or reinstatement of the benefit, whichever is later. |
| • |
A 30-day survival period applies from the date of first diagnosis of the covered condition to the date of eligibility for benefit. |
| |
|
| Entry Age (Nearest Birthday) |
| • |
Minimum : 2 weeks old |
| • |
Maximum : 60 years old |
| |
|
| Term |
| • |
Minimum : 1 year |
| • |
Minimum : Premium term of the Basic Plan |
| |
|
(subject to a maximum expiry age of 100) |
| |
|
| Sum Assured Limit |
| • |
For WOP Rider: No limit |
| • |
For FIB Rider: |
| |
Annual Minimum: RM1,200 per annum (i.e. RM100 per month) |
| |
Annual Maximum: Not more than Life Assured’s Annual Income |
| |
(subject to a maximum of RM1 million per life, inclusive of all Critical Illnesses insurance coverage from all companies) |
| |
|
|
