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GREAT Critical Care Relief | 5 Prevalent Critical Illness Insurance
GREAT Critical Care Relief | 5 Prevalent Critical Illness Insurance
Reach for Great protection with the essential critical care plan
Many of us are aware of the significant impact a critical illness diagnosis can have on our lives. Yet, there's a common tendency to overlook the possibility of it happening to us until it actually does. Taking proactive measures now to safeguard against a major risk can make a big difference in securing our future.
Whether you are seeking your first critical illness insurance or looking to enhance your existing protection, GREAT Critical Care Relief offers the vital security you need. It covers some of the most prevalent and impactful critical illnesses in Malaysiaa, including cancer, heart attack, stroke, kidney failure and other serious coronary artery diseases – conditions that dominate both healthcare concerns and critical illness claims.
To equip you for any situation, the plan also includes coverage for hospital stays and admissions to the Intensive Care Unit (“ICU”). This coverage extends to conditions that may not yet be known or might emerge in the future. At the end of the policy term, a maturity benefit is payable. Additionally, a lump sum payout is provided to lessen your financial burden in the event of an unforeseen death.
Receiving a one-off payment means less stress over your financial well-being in case of illness, allowing you to concentrate on what is truly important — your recovery. Choose GREAT Critical Care Relief today for the basic critical illness insurance protection you need.
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Key benefits
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Coverage for 5 prevalent critical illnesses
Cancer, heart attacks, strokes, kidney failure and heart diseases are five major health issues that can majorly disrupt your life. If you find yourself dealing with any of these, our GREAT Critical Care Relief plan can shield you from the money worries that come with them. You'll get a one-time payment — whichever is more between the total amount you're covered for or the total premiums you've paid (without adding any interest). This is to reduce the financial stress on your family and allow you to concentrate on recovering1.
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Coverage for hospital admission event
If you have to go to the hospital, our GREAT Critical Care Relief plan includes protection against diseases that might not even be known yet. If you end up in the hospital for any of the specific reasons we cover, you'll get a one-time payment, which will be the higher of the basic sum assured or the total premiums paid, without any added interest1.
We cover hospital stays for two main situations:
· If you have to stay in the hospital for 21 days or more because you need major surgery.
· If you need to be in the Intensive Care Unit (ICU) for at least 7 days in a row.
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Financial support for your loved ones
Anything can happen in life, which is why our GREAT Critical Care Relief plan offers a safety net for your family should the unexpected occur.
In the event of your passing, your loved ones will receive a one-time payment, which will be the higher of the basic sum assured or the total premiums paid, without any added interest1.
This way, you can have peace of mind, knowing that they'll be financially protected.
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Return of total premiums paid or more at maturity
When you reach the milestone of being 80 years old at your next policy anniversary, our plan reaches its maturity.
This means you will receive a one-time payment, which will be the higher of the basic sum assured or the total premiums paid, without any added interest1.
It's our way of celebrating your longevity and providing you with a financial boost in your later years.
Your questions answered
Cancer
Cancer is a major health concern in Malaysia, being one of the leading causes of death. It's a tough battle, not just because of the disease itself but also due to the challenging side effects from treatments such as chemotherapy and radiation therapy, which can interfere with daily living.
The risk of developing cancer varies by gender in Malaysia, with lung and colorectal cancers most common in males, followed by breast and colorectal cancers predominating in females based on the number of new cases in 2022b.
According to a 2023 report from the Department of Statistics Malaysia, cancer has become the 4th most common cause of death in Malaysia. The percentage of deaths caused by cancer went up from 10.5% in 2021 to 12.6% in 2022c. GLOBOCAN 2018 projects cancer incidence in Malaysia could double by 2040d.
- Cost of cancer treatment
Below are the approximate cancer treatment costs at a private hospital based on the most common cancers diagnosed in men and women in Malaysiae:
- Breast cancer treatment cost: up to RM395,000
- Colorectal cancer treatment cost: up to RM85,000
- Lung cancer treatment cost: up to RM56,000
In public hospitals or through the National Cancer Society of Malaysia (NCSM), the cost of cancer treatment is reduced by 50% to 70% compared to private healthcare facilitiesf. Due to the affordability of medical treatments at public hospitals, there is likely to be a long waiting list.
Heart Attack
A heart attack happens when a part of the heart doesn't get enough blood due to a blockage in the coronary arteries, which is usually caused by plaque buildup.
Those at higher risk of heart attacks include people with high blood pressure, high cholesterol, diabetes, a family history of heart disease, a sedentary lifestyle or who smoke. Age plays a role too, with older individuals more vulnerable. Unhealthy habits like a diet high in saturated fats, lack of exercise and excessive alcohol intake also raise the risk.
Recent data from the World Health Organization in 2020 shows that deaths from coronary heart disease in Malaysia totalled 36,729, accounting for 21.86% of all deaths in the countryg. The majority of heart attacks occur due to the presence of coronary heart disease.
- Cost of heart attack treatment
In the event of a prior heart attack, a surgery or procedure might be necessary to unblock an artery. Below are the surgeries and procedures commonly used to address a heart attack at a private hospital in Malaysiah:
- Angiogram / One Stent Angioplasty: up to RM45,000
- Coronary Bypass: up to RM80,000
Stroke
A stroke happens when something goes wrong with the blood supply to your brain. It can be because an artery gets blocked (ischaemic stroke) or bursts (haemorrhagic stroke). When this happens, brain cells don't get enough oxygen and nutrients, which can lead to damage or even death.
There are things that can make us more likely to have a stroke, such as having high blood pressure, high cholesterol, diabetes, smoking, being overweight or not being active enough. Getting older also increases our chances of having a stroke.
According to the National Stroke Registry, there were 47,911 stroke cases in Malaysia in 2019, averaging about 130 strokes per day. Without preventive measures, projections indicate that one in four Malaysians will experience a stroke by 2040, based on findings from the 2016 Global Burden of Disease Stroke Statistics Worldwide Surveyi.
- Cost of stroke treatment
The expected costs for treating someone with a stroke over a lifetime are based on the type of stroke diagnosedj.
- Ischaemic stroke: approx. RM36,400
- Haemorrhagic stroke: approx. RM37,757
Kidney failure
Kidney failure means your kidneys aren't working properly to clean your blood. This can happen slowly over time (chronic kidney disease) or suddenly due to other health problems. When your kidneys fail, waste and extra fluid build up in your body, causing problems like tiredness, swelling, changes in urination, feeling sick and trouble focusing.
Certain things make you more likely to have kidney failure, such as having diabetes, high blood pressure, heart issues, a family history of kidney problems or being older. Other risks include being overweight, smoking and eating too much salt and protein. Sometimes, kidney failure can happen quickly because of infections, dehydration or damage from medicines or toxins.
In Malaysia, out of the 33 million population, one in seven adults, which amounts to 4.7 million people, are at different stages of Chronic Kidney Disease (CKD). Early figures from the National Renal Registry (NRR) indicate that there were 49,447 individuals undergoing dialysis in 2022k.
- Cost of kidney failure treatment
Below are the estimated costs for treating kidney failurel:
- Annual cost for haemodialysis: approx. RM39,790
- Continuous ambulatory peritoneal dialysis: approx. RM37,576
- Kidney transplant: between RM70,000 to RM100,000 for the recipient’s surgery
- Kidney transplant: between RM40,000 to RM60,000 for the donor
Cardiovascular / Corona Artery / Heart Disease
Heart disease, also called cardiovascular disease or coronary artery disease, happens when your heart and blood vessels face issues. It's often due to plaque buildup in your arteries, blocking blood flow and causing chest pain, heart attacks or heart failure. Risk factors include high blood pressure, high cholesterol, smoking, diabetes, being overweight and lack of exercise.
Certain people are at higher risk, such as older adults, those with family history of heart problems, individuals with diabetes or high blood pressure, smokers and those practising unhealthy lifestyles. Factors like excessive alcohol consumption and stress also contribute to heart disease.
According to a health survey done in 2019, it's predicted that by 2030, about 677,533 adults will be at a high or very high risk of experiencing a heart-related issue within the next 10 years. This problem is more likely to affect men (7.3%) than women (2.5%)m.
- Cost of heart disease treatment
Managing heart conditions often requires a variety of medications designed to lower blood pressure or expand your arteries. For more serious situations, surgical interventions like coronary angioplasty, which opens blocked arteries in the heart, or heart bypass surgery, which substitutes damaged arteries, might be necessary. Below are the estimated costsn, o:
- Coronary angioplasty: approx. RM30,000
- Heart bypass surgery: approx. RM70,000
These five critical illnesses share a common trait: they are prevalent and can strike when least expected, often leading to substantial medical costs and the need for intensive care. Insurance coverage for critical illnesses such as cancer, heart attacks, strokes, kidney failure and heart diseases is highly recommended due to the specialised treatment needed. This ranges from prolonged hospital stays and surgeries to costly medications and long-term care which often includes ICU admission.
Having a 5-in-1 critical illness insurance plan is not just a policy; it’s a strategic move towards securing your health and current savings.
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Understand the details before buying
1 Terms and conditions apply.
Source:
aStatistic on Cause of Death in Malaysia (2024).
bWorld Health Organization. (2022). Global Cancer Observatory: Cancer Today. Malaysia.
dGleneagles Hospital Malaysia. (n.d.) Common Cancer in Malaysia.
eAlifah Zainuddin. (2022). The Real Cost Of Cancer In Malaysia.
fWong, P. M. (2014). Affordable cancer treatment for the poor.
gWorld Health Organization. (2020). Malaysia: Coronary Heart Disease.
hShalini Muniapan & Dr. Idlan Zakaria. (2019). Healthcare Costs in Malaysia.
kJunaid Ibrahim. (2023). Rise in chronic kidney disease.
nStatista. (2019). Cost of an angioplasty in selected countries as of 2019.
oHealth-Tourism.com. (n.d.). Heart Bypass Surgery in Kuala Lumpur.
GREAT Critical Care Relief is a non-participating whole life plan that matures at age 80 years next birthday. Premiums are payable up to age 80 years next birthday, or until a claim has been made or upon termination, whichever occurs first.
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 returned to the Company 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 the policy switching or replacement.
The policy will not have a guaranteed minimum cash value on termination until after you have paid premiums for two years. If you surrender your policy early, you will get back less than the amount you have paid. If you stop paying premiums before the end of the premium payment term, an automatic premium loan will be effected under your policy to pay future premiums so long as the cash value is more than the total indebtedness. The Company shall charge interest on the above loans at interest rates to be determined by the Company from time to time. The prevailing interest rate is available on the Company’s official website. Cessation of premium payment before the end of the premium payment term may lead to early termination of coverage.
This above is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. 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 1 July 2024.