SMART Early Payout CriticalCare | Early Critical Illness Plan
SMART Early Payout CriticalCare | Early Critical Illness Plan
The first plan in Malaysia that pays at the early stages of critical illness
No matter how much we plan for the future, there will always be unexpected events beyond our control, such as the onset of a critical illness. However, with continuous medical advances and emphasis on periodic health screening, early detection of a critical illness is promising and may save your life.
Smart Early Payout CriticalCare is designed with you in mind. It's a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness covered under this plan, not when the illness has become more severe – as with most insurance plans. Smart Early Payout CriticalCare gives you the early payout protection you need so that you can focus on treatment and recovery.
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Key benefits
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Early payout, finances saved
With early payouts to provide for early treatment, medication or even financial commitments1, you can focus on recovery and getting back on your feet.
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Multiple claims across illnesses
You can make multiple claims for different critical illnesses or across severity levels for the same critical illness, with no waiting between claims1 .
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Understand the details before buying
1 Terms and conditions apply.
2 Up to the maximum sum assured of the rider
Smart Early Payout CriticalCare is a unit-deduction rider attachable to selected regular premium investment-linked insurance plans. These plans are insurance products that are tied to the performance of the underlying assets, and are not pure investment products such as unit trusts. Smart Early Payout CriticalCare must be attached together with IL Critical Illness Benefit Rider. Upon payment of any benefits under Smart Early Payout CriticalCare, the rider will accelerate the sum assured of the IL Critical Illness Benefit Rider, which in turn will also accelerate the sum assured of the investment-linked insurance plan. The insurance charge to be imposed will be deducted from the total investment value of your policy on a monthly basis. You may stop paying premiums under the policy and still enjoy protection as long as there is sufficient total investment value to pay for the insurance charge. However, there is a possibility of the policy lapsing when the required charges, including rider charges exceed the total investment value of the fund units available. Purchasing too many unit-deduction riders may deplete the fund units.
You should satisfy yourself that this rider 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 newly purchased Medical and Health Insurance product (MHI). If the rider is cancelled during this period, the policy owner is entitled to the reinstatement of the units deducted for the payment of insurance charge after net of expenses incurred for the medical examination, if any. If you switch your Medical Policy/Rider from one company to another or if you exchange your current Medical Policy/Rider with another policy within the same company, you may be required to submit an application where acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of Policy/Rider switching or replacement.
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. 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.
PROTECTION 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).
Information correct as on 1 June 2024.