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The first plan in Malaysia that pays at the early stages of critical illness
No matter how much we plan for the future, there will always be unexpected events beyond our control, such as the onset of a critical illness. However, with continuous medical advances and emphasis on periodic health screening, early detection of a critical illness is promising and may save your life.
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Smart Early Payout CriticalCare is designed with you in mind. It's a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness covered under this plan, not when the illness has become more severe - as with most insurance plans. Smart Early Payout CriticalCare gives you the early payout protection you need so that you can focus on treatment and recovery.
- Early payout, finances saved
- Multiple claims across multiple critical illnesses
- Added protection with unique ‘Buy Back’ option
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An example of how it works:
A 30-year old male is covered by Smart Early Payout CriticalCare with a sum assured of RM300,000. He is diagnosed with early stage cancer at Severity 25 and he makes a claim. Six months later, he suffers a heart attack at Severity 25 and another claim is made. Two months after the second claim is made, he suffers a heart attack at Severity 50 and makes a claim. Since the three claims did not reach the full sum assured, he will continue to be protected. If his condition deteriorates, he can make further claims on the remaining sum assured.
An illustration of his claim payouts is as follows:
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| Claim |
Critical Illness & Severity Level |
Benefit |
Claim Payout |
Remaining Sum Assured Under This Coverage |
| 1st Claim |
Cancer at Severity 25 |
25% of Sum Assured, up to
maximum of
RM50,000 per Life Assured |
RM50,000 |
RM250,000 |
| 2nd Claim |
Heart Attack
at
Severity 25 |
25% of Sum Assured, up to maximum of RM50,000 per Life Assured |
RM50,000 |
RM200,000 |
| 3rd Claim |
Heart Attack
at
Severity 50 |
50% of Sum Assured per Life Assured, less the previous claim for Heart Attack at Severity 25 |
RM100,000 |
RM100,000 |
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