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Early Stage We shall pay 25% of the Rider Sum Insured or up to USD 50,000 in the event that the Life Insured is diagnosed with any one of the 16 covered Critical Illness events. |
Advanced Stage We shall pay 100% of the Rider Sum Insured or up to USD 200,000* in the event that the Life Insured is diagnosed with any one of the 19 covered Critical Illness events. |
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Diabetes Benefit We shall pay 10% of the Rider Sum Insured or up to USD 10,000 in the event that the Life Insured is diagnosed with any one of the covered Diabetes Benefits. |
Recovery Benefit We shall pay 20% of the Rider Sum Insured or up to USD 20,000 in the event that the Life Insured is diagnosed with any one of the 4 types of cancers including brain cancer, pancreatic cancer, lung cancer, and leukemia. |
Enhanced Critical Illness Rider
The Enhanced Critical Illness Rider provides coverage for 35 Critical Illness events ranging from the Early Stage to Advanced Stage as well as Diabetes. Specifically, this product provides extra coverage for Recovery Benefit on 4 types of Cancers including Brain cancer, Pancreatic cancer, Lung cancer, and Leukemia to ease the financial burden while you are fighting for recovery.
Example
Miss Dany, 35 years old, signed up for a basic product, with attachment of "Enhanced Critical Illness Rider" with 10 years coverage term . The Rider Sum Insured is USD200,000 with an annual premium of USD586.
• In year 2, Miss Dany is diagnosed with an early chronic lymphocytic leukaemia
• In year 5, Miss Dany is diagnosed with another disease that is caused by Type 2 Diabetes which requires Pan-retinal laser photocoagulation treatment.
• In year 7, Unfortunately, her early chronic lymphocytic leukaemia condition worsened and fell into an Advanced Stage events and recovery benefit. She is diagnosed as certified by her doctor.
What is the total benefit?
