A-Plus Early CriticalCare
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Related Plan
🛡️ A-Plus Early CriticalCare: Comprehensive Early Critical Illness Protection
✨ Early Detection, Early Protection, Secure Your Future
We never know when an unexpected diagnosis may disrupt our lives. However, advancements in medical treatments now enable early detection of critical illnesses, significantly improving the chances of recovery. A-Plus Early CriticalCare is a comprehensive rider designed to provide early payouts upon diagnosis, allowing you to seek professional medical attention and preventative treatment when you need it most.
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🚀 Product Highlights
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🌈 Comprehensive Coverage: Protects you against 92 critical illness events across different severity levels.
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⏳ No Waiting Period Between Claims: Unlike many plans, there is no waiting period between each claim, ensuring continuous support.
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💰 Multiple Claims up to 120%: You can claim up to a maximum of 120% of the sum assured.
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🩸 Extra Diabetic Support: Provides an additional 20% payout for specific Diabetic Related Diseases without reducing your core sum assured.
📈 Flexible Payouts by Severity Level
Benefits are paid based on a percentage of your sum assured, depending on the severity of the diagnosed event:
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🟢 Low Severity: Pays 30% of the sum assured per category.
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🟡 Medium Severity: Pays 60% of the sum assured per category.
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🔴 High Severity: Pays 100% of the sum assured per category.
💡 Pro Tip: Any claim paid reduces the rider's sum assured, and the rider stays in force until 100% of the sum assured has been paid out.
🧬 92 Critical Illness Events: At a Glance
The 92 covered events are grouped into 36 categories, ensuring you are protected across all major health risks:
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🎗️ Cancer & Stroke: Includes Carcinoma in situ, early-stage cancers, and major Stroke.
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❤️Heart & Circulatory: Covers Heart Attack, Cardiac Pacemaker insertion, and Coronary Artery By-Pass Surgery.
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🧠Brain & Nervous System: Protects against Alzheimer’s, Parkinson’s, Coma, and Benign Brain Tumors.
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🫁Major Organs: Includes Kidney Failure, End-Stage Lung Disease, Liver Cirrhosis, and Major Organ Transplants.
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👂 Sensory & Speech: Covers permanent Blindness, Deafness, and Loss of Speech.
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🤕Other Serious Injuries: Includes Major Head Trauma, Third-Degree Burns, and Paralysis of Limbs.
🍬 Additional Diabetic Related Disease Benefit
If the insured is diagnosed with any of the following, an additional 20% of the sum assured is payable:
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Surgery for Type 2 Diabetic Retinopathy.
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Limb Amputation due to Type 2 Diabetic Complications.Severe Diabetic Nephropathy resulting in Kidney Failure.
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This benefit is payable once and does not reduce the rider's sum assured.
💰 Benefit Payout Scenarios
Based on a Sum Assured of RM 100,000:
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🧗 Scenario 1: Same Category Progression
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1st Claim: Brain Aneurysm Surgery (Low) -> RM 30,000 (30%).
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2nd Claim: Carotid Artery Surgery (Medium) -> RM 30,000 (Top-up to 60%).
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3rd Claim: Full Stroke (High) -> RM 40,000 (Remaining balance of 100%).
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Total Paid: RM 100,000.
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🌟 Scenario 2: Different Categories + Diabetic Bonus
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1st Claim: Surgical Removal of One Lung (Medium) -> RM 60,000 (60%).
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2nd Claim: Type 2 Diabetic Retinopathy Surgery -> Extra RM 20,000 (20%).
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3rd Claim: Brain Surgery (High) -> RM 40,000 (Remaining balance of 100%).
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Total Paid: RM 120,000.
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👤 Eligibility & Financial Details
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👶 Entry Age: 14 days to 60 years old.
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👴 Coverage Term: Up to age 85.
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💵 Minimum Sum Assured: RM 5,000.
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📉 Cost of Insurance: Based on your attained age and increases as you grow older. If the sum assured is reduced after a claim, the future insurance costs will decrease accordingly.
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📝 Tax Relief: Premiums may qualify for personal tax relief of up to RM 3,000 for medical and education insurance.
⚠️ Important Notes & Major Exclusions
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🕒 Waiting Periods:
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60 Days: For Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease, and Angioplasty.
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30 Days: For other High Severity diseases.
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60 Days: For all Low/Medium Severity and Diabetic Related Diseases.
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🧍 Survival Period: The insured must survive for at least 30 days after diagnosis to be eligible for a claim.
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🚫 Key Exclusions: Does not cover pre-existing conditions, HIV/AIDS-related illnesses, self-inflicted injuries, or alcohol/drug abuse.
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🤝 Special Pairings: Certain related conditions (e.g., Early Loss of Independent Existence and Alzheimer’s) are paired, meaning claims for one will be deducted from the subsequent higher severity claim in that pair.
You can read more about this insurance plan by downloading the brochure here.
Get Professional Advice
Contact our representative to receive personalized insurance advice and begin your journey with us today. Call Felicia Fong (+6019-7871313) to receive the best insurance advice for you and your loved ones.
