As part of Bank Negara Malaysia’s (BNM) ongoing efforts to ensure that all Insurance and Takaful industry players uphold their commitments and deliver services as outlined in their Customer Service Charter (CSC), both BNM and the Boards and Management Committees of the Associations (MTA/LIAM/PIAM) have approved the appointment of NielsenIQ Malaysia as the research agency to conduct the Customer Satisfaction Survey (CSS) 2024/25. Please visit our Announcement page for more information. 

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Product Riders

Great Eastern Life offers a wide range of supplemental benefits (riders) that you can add to your insurance policy, in order to better protect you and your family against the unexpected.

Among the comprehensive benefits provided by our riders are medical protection, premium waivers, financial protection against death and disability, and coverage against critical illnesses.

You can view the list of riders that accompany our traditional, investment-linked and universal life plans below:

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.

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.

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.

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.

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

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

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.

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.

Disclaimer:
1The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits.
2PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS.

Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).

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