To help you cope with the financial challenges of a critical illness and enable you to benefit from early treatment, we introduce you the Early Critical Illness Plan.

Key benefits:

1. Comprehensive coverage - up to 95 Critical illness events
2. Early payout with 3 severity levels: 30%, 60% and 100%
3. Pay additional 20% on Diabetic Related Disease
4. No waiting period between claim.
5. Premium/COI based on remaining SA after claim

Overview:
1. Entry age: 4weeks - 60 years old
2. Minimum Sum Assured: RM5000
3. Max sum assured: RM250,000
4. Coverage term: Age 85 or maturity of basic policy.

Claim mechanism:

First claim:
- Paid at relevent severity level:
1. 30% at low severity - 70% of SA preserved
2. 60% at medium severity - 40% of SA preserved
3. 100% at high severity - Policy terminates

Subsequent claim:
- condition unrelated to/different Critical illness category from the earlier claim: benefit is paid at the relevent severity level, subject to SA balance.
- condition related to/same Critical illness category from earlier claim: benefit reduced by previous benefit for related condtions/same Criticall illness category, subject to SA balance.

Critical Illness events and definition:  EPCI_List_of_events.pdf ( 1.07mb ) Number of downloads: 38


Premium rate per RM1000 sum assured:

Male non smoker:
10yo - RM5.76
20yo - RM7.94
30yo - RM13.77
40yo - RM24.61

Female non smoker:
10yo - RM4.85
20yo - RM6.96
30yo - RM11.79
40yo- RM19.81


Premium example:
Male, age 30, non smoker, standard live, sum assured desired RM50,000
RM13.77 x 50 = RM688.50 per year.

If you want to know your quotation please provide me:
1. D.O.B
2. smoking status
3. Occupation.

Thanks and have a good day.



Thanks

This post has been edited by raph: Nov 15 2012, 04:17 PM

Hi. Am interested. Please PM me the details. Thanks!