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GREAT Critical Care Direct | Affordable Plan with Comprehensive Coverage on 50 Advanced Stage Critical Illness

Facing life’s uncertainties with confidence

Critical illnesses take a toll on your physical health, and the cost for treatment and medication is also a heavy financial burden. Hence, it is crucial to ensure that you have the capability to afford the necessary expenses and protect your loved ones, should this happen to you. 

GREAT Critical Care Direct is a term plan that provides coverage against 50 advanced stage critical illnesses. Along with affordable premiums, you can also choose from a range of coverage amounts to suit your personal and financial needs. 

What’s more – you can purchase this plan online from the convenience of your home. We strive to ease application processes so that protection is never far from you and your loved ones.

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Product Summary View Product Brochure Product Summary View Product Disclosure (English) Product Summary View Product Disclosure (Bahasa Malaysia)

Key benefits

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    Extensive critical illness coverage

    Should you be diagnosed with any of the 50 critical illnesses listed1 , you will receive a lump sum payment of the Basic Sum Assured.
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    Financial cushion during bereavement

    Your loved ones will receive 10% of the Basic Sum Assured upon death of the Life Assured2 , which will cushion their financial shock in tough times.
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    Affordable premiums till age 80

    You will receive protection till the age of 80 years next birthday2 , giving you continuous coverage to live the best of life.
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    Easy Application

    It is easy for you to obtain the protection you need. You only need to answer some simple health questions, and are not required to undergo any medical examinations in order to apply for this plan. All insurance applications are subject to Great Eastern Life’s underwriting and acceptance2.

Your questions answered

1. What is GREAT Critical Care Direct?

GREAT Critical Care Direct is a non-participating term plan with 50 advanced stage critical illness coverage until age 80 years next birthday.

2. What are the benefits under this plan?

• Comprehensive critical illness coverage
• Upon death of the life assured, 10% of your basic sum assured will be payable as bereavement benefit.

3. Is this product suitable for me?

This product is suitable if you are looking for a pure protection critical illness plan. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.

1. Who can purchase?

• Individuals aged 18 to 60 years next birthday
• A Malaysian citizen residing in Malaysia, who
- has a valid Malaysian mobile number
- has a valid email address
- is the beneficial owner who ultimately owns and/or has effective control over the policy purchased
- does not have pre-existing health and medical conditions

The eligibilities highlighted here are not exhaustive. The full eligibility list is available on our website at greateasternlife.com/my/direct.

2. Where can I purchase this plan?

You can purchase this plan directly from our website at greateasternlife.com/my/direct.

3. What documents do I need to provide?

You need to upload soft copies of your NRIC, front and back, in PDF, PNG, JPG, BMP, or GIF format. Maximum file size is 2MB each.

4. Can I purchase more than 1 plan?

Yes, you may purchase more than one GREAT Critical Care Direct plan, subject to the maximum aggregate coverage amount of RM250,000 per life.

1. How much Basic Sum Assured can I purchase?

There are 5 Basic Sum Assured options for you to choose from – RM50,000, RM100,000, RM150,000, RM200,000, and RM250,000.

2. How much coverage do I need?

Click here and continue to get a quote to find out your coverage needs and affordability.

3. What happens if I am diagnosed with any of the 50 critical illnesses during the policy’s term?

Upon occurrence of any of the 50 critical illnesses, except for Angioplasty and other invasive treatments for coronary artery disease, the Company will pay the Basic Sum Assured in one lump sum. For Angioplasty and other invasive treatments for coronary artery disease, 10% of sum assured or RM25,000, whichever is lower is payable.

4. What happens if death occurs during the policy’s term?

Your loved ones will receive 10% of the Basic Sum Assured as bereavement benefit.

5. Is there any waiting period I should take note of?

Yes. Depending on the types of critical illness, a waiting period of either 30 or 60 days will apply. Please refer to the table below.

Waiting Period 30 Days 60 Days
Critical Illnesses
  • All critical illnesses except for Cancer, Coronary Artery By-Pass Surgery, Heart Attack, Serious Coronary Artery Disease and Angioplasty and other invasive treatments for coronary artery disease.
  • Cancer – of specified severity and does not cover very early cancers
  • Coronary Artery By-Pass Surgery
  • Heart Attack – of specified severity
  • Serious Coronary Artery Disease
  • Angioplasty and other invasive treatments for coronary artery disease

6. Is there any survival period I should take note of?

Yes. A survival period of 7 days from the diagnosis date shall apply for all critical illnesses.

1. How much premiums do I have to pay?

The premium that you have to pay for this plan is based on your chosen Basic Sum Assured and premium mode. Premiums are to be paid up to 80 years next birthday. Premiums vary by attained age next birthday, gender, and smoker status, and will increase as you get older.

2. How do I pay my premiums?

You have the flexibility to pay your premium annually, half-yearly, quarterly, or monthly by credit card or debit card (issued by local banks).

3. What happens if I do not pay my premiums?

You have a 30-day Grace Period from the premium due date to pay the renewal premium, after which the policy will lapse if the premium remains unpaid upon the expiry of the Grace Period.

1. What are some exclusions of the plan?

No benefit is payable if any of the critical illnesses or conditions associated with such illnesses:
• has existed prior to the Risk Commencement Date, the date of any reinstatement, or during the waiting period, whichever is later.
• commences, occurs or is diagnosed during the respective waiting period, from the Risk Commencement Date or from the date of any reinstatement of the policy, whichever is the latest.
• was due to, directly or indirectly, a congenital defect or disease, which manifested or was diagnosed before the life assured attains the age of 17 years next birthday.
• (other than HIV Infection Due To Blood Transfusion, Full-blown AIDS and Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection as defined in this Policy) was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immuno-deficiency Virus (HIV) infection. The Company reserves the right to require the life assured to undergo a blood test for HIV as a condition precedent to acceptance of any claim. For the purpose of this plan, infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the Company’s opinion either the presence of any HIV or antibodies to such a virus.
• resulted directly from alcohol or drug abuse.
• was due to, directly or indirectly by self-inflicted injuries, while sane or insane.

The exclusions highlighted here are not exhaustive. Full details are available in your policy document.

*Please take note that before you can proceed with any policy servicing request, you are required to perform a one-time signature update Over-the-Counter. You may visit our Customer Service Centre at our Head Office or any of our branches for the signature update.

1. How do I check the status of my application?

You will be notified via email on your application status within 5 working days. If your application is accepted, you will receive your electronic policy contract via e-Connect. If you have not received any email after 5 working days, please write in to wecare-my@greateasternlife.com with your full name and NRIC number.

2. How do I access or view my electronic policy (ePolicy) contract?

Once your policy is inforce, you will be notified via SMS and email to sign up or log in to e-Connect to view your ePolicy contract within 2 working days. For first-time users, you will need to sign up for an e-Connect account.

3. What should I do after I have viewed my ePolicy contract?

After you have viewed your ePolicy contract, remember to acknowledge receipt of the policy document, by selecting on the Acknowledge checkbox for the selected policy, followed by “I acknowledge receipt of the policy document” checkbox and Continue button.

4. What do I need to do if I have any policy servicing request*?

You can log in to e-Connect and click on the My Service Request tab to change your payment method/frequency via online policy servicing, or click on My Mailbox to send your enquiry through our secured mail.

5. How do I make a Nomination?

You can make a Nomination by filling up the Appointment / Change Of Nominee(s) / Trustee (s) Form* and mail the form to our Head Office or any of our branches.

6. How do I appoint a Trustee?

You can appoint a Trustee by filling up the Appointment / Change Of Nominee(s) / Trustee (s) Form* and mail the form to our Head Office or any of our branches.

However, if your form is not completed with a witness detail and signature, please visit our Customer Service Centre at our Head Office or any of our branches together with the person(s) you wish to appoint as the Trustee to complete the Appointment / Change Of Nominee(s) / Trustee (s) Form* and update your Trustee’s signature Over-the-Counter.

7. Can I change my Basic Sum Assured?

You may decrease your Basic Sum Assured at any time according to the 5 available options (no other Basic Sum Assured other than the 5 options is allowed), subject to the minimum Basic Sum Assured limit. Any decrease in your Basic Sum Assured will take effect from the next premium due date. However, increases in your Basic Sum Assured are not allowed after the policy is inforce.

8. Can I reinstate my policy?

Your policy can be reinstated within 2 months from the lapsed date with no underwriting required. Please pay the outstanding payment/s inclusive of interest (if any) within 2 months from the lapse date.

9. Can I cancel my policy?

If you cancel your policy within the free-look period of 15 days, the full premium will be refunded to you. You may submit your cancellation request in writing*.

10. How do I get my Premium Statement for income tax declaration?

You can login to e-Connect and click on the My Portfolio/e-Document tab to view/print your yearly Premium Statement (SLAPP) for income tax declaration.

1. How do I make a claim?

The documents required vary according to the types of claims. Click here for a step-by-step guide on making a claim.

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Understand the details before buying

1 Excludes Angioplasty and other invasive treatments for coronary artery disease, which is subject to 10% of the Basic Sum Assured or RM25,000 per life across all distribution channels, whichever is lower.

2 Terms and conditions apply.

GREAT Critical Care Direct is a non-participating term plan with 50 advanced stage critical illness coverage until age 80 years next birthday. Premiums are payable until the end of the policy term.

You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the plan. If the policy is cancelled during this period, the full premium would be refunded to the policy owner minus the expenses incurred for medical examination, if any. If you switch your policy from one company to another or if you exchange your current policy with another policy within the same company, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of policy switching or replacement.

Cessation of premium payment before the end of the premium payment term may lead to early termination of coverage. Premium is non-guaranteed and the Company reserves the right to revise the premiums of GREAT Critical Care Direct by giving at least 3 months’ notice.

The above is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. You may refer to the consumer education booklet on Medical and Health Insurance (MHI) for more information. The exclusions and limitations of benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life.

The terms “Great Eastern Life” and “the Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad.

The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).

Information correct as on 23 May 2024.