Product Riders

Critical Illness Care Rider
Helps secure your finances should critical illness occur to the life assured.

Essential AccidentCare Rider
Covers against death and injuries due to accidents, and provides medical expenses reimbursement and weekly indemnity benefit for hospitalisation.

Parent Protect Rider
Covers the life assured’s parents against Alzheimer’s Disease / Severe Dementia, Cancer, and Parkinson’s Disease.

Find out more

Payer Benefit Extra Rider
Waives premiums should death, disability or critical illness occur to the payer.

Premium Waiver on CI Rider
Waives premiums should critical illness occur to the life assured.

CI Premium Waiver Rider
Waives premiums should critical illness occur to the life assured

Payer Waiver Extra Rider
Waives premiums should death, disability or critical illness occur to the payer

IL Accidental Death and Dismemberment Benefits Rider
Provides coverage in the event of death or injury due to accidents.

IL Cash Assure Rider
Provides yearly Guaranteed Cash Payment in cash with protection for unexpected death, disability and retrenchment.

Find out more

IL Comprehensive Accident Benefits Xtra Rider
Covers death and injuries due to accidents, and provides medical expenses reimbursement and weekly indemnity benefit for hospitalisation.

IL Critical Illness Benefit Rider / IL Critical Illness Benefit Advance Rider
Helps secure your finances should critical illness occur to the life assured.

IL Critical Illness Plus Rider / IL Critical Illness Plus Assure Rider
Provides additional coverage should critical illness occur to the life assured.

IL Great Income Rider
Provides yearly cash income should disability occur to the life assured.

IL Hospitalisation Benefits Rider
Provides daily cash income should the life assured be hospitalised.

IL Invest Assure Rider
Provides yearly Guaranteed Cash Payment that is automatically credited into the policy's total investment value, with protection for unexpected death, disability and retrenchment.

Find out more

IL Junior CI Plus Rider
Provides financial protection against 17 child critical illnesses.

IL LadyCare Rider
Provides protection against female-linked illnesses.

IL Payer Benefit Extra Rider* / IL Payer Benefit Extra Rider (Jr)* / IL Payer Benefit Extra Assure Rider
Waives premiums should death, disability or critical illness occur to the payer.

IL Premium Waiver Extra Rider* / IL Premium Waiver Extra Rider (Jr)* / IL Premium Waiver Extra Assure Rider
Waive premiums should disability or critical illness occur to the life assured.

IL Premium Waiver on CI Rider*
Waives premiums should critical illness occur to the life assured.

IL Waiver of Premium on TPD Rider*
Waives premiums should disability occur to the life assured.

Smart Early Payout CriticalCare
Pays at the early stages of critical illness.

Find out more

SmartMedic Shield/ SmartMedic Shield Plus
Provides medical protection against unexpected emergencies.

Find out more

SmartMedic Shield Extender
Extends the Overall Annual Limit of SmartMedic Million by an additional RM2,000,000.

Find out more

Smart Multi Critical Care
Multiple-pay critical illness rider that provides coverage for 188 conditions across early, intermediate and advanced stages along with special benefits.

Find out more

IL Spouse Payer Benefit Extra Rider (Jr)*
Waives premiums should death, disability or critical illness occur to payer's spouse. Only available when IL Payer Benefit Extra Rider (Jr)* is attached.

Note:
*After the premium has been waived under this rider, the premium amount waived will remain unchanged. As such, in the event of any upward revision of the insurance charges of basic plan or any riders, or reduction of actual sustainability of the policy, you may be required to perform regular premium top-ups or single premium top-ups to cover the difference in the premium amount waived and the revised premium for better sustainability of your policy.  

UL Payer Benefit Extra Rider
Waives premiums should death, disability or critical illness occur to the payer.

UL Premium Waiver on CI Rider
Waives premiums should critical illness occur to the life assured.