GGC Training
1. This is a non-participating plan that matures at 80 years old next birthday.
2. This plan provides Death Benefit, Total and Permanent Disability (TPD) Benefit, Covered Event Benefit, Emotional Support Benefit and Maturity Benefit to the Life Assured. It also provides complimentary coverage against Covered Event and Child Illness to the Life Assured’s child. Additionally, it provides coverage on Life Assured’s parents as an optional rider. Please refer to the
rider’s PWU.
3. This plan does not require medical underwriting on the child(ren).
Coverage:
Until age 80 years next birthday
Entry Age:
Minimum = 17 age next birthday
Maximum = 60 age next birthday
Sum Assured:
Minimum = RM 50,000
Maximum= RM 4,000,000
Waiting Period
60 Days
心脏疾病
1.心脏病
2.冠状动脉搭桥术
3.其他严重性冠状动脉疾病
4.心脏瓣膜置换
5.主动脉手术
6.原发性肺动脉高血压
7.球囊主动脉成形手术 (10%) 或 RM25,000
8.严重心肌病
脑部疾病
1.中风
2.脑炎
3.细菌性脑膜炎
4.主要脑部受伤
5.植物人
6.帕金森氏病
7.老年痴呆症
8.多发性硬化症
9.良性脑瘤
10.运动神经线之疾病
11.脑部手术
12.昏迷
13.肌肉萎缩症
14.瘫痪
慢性疾病
1.末期肝病
2.末期肺病
3.肾脏衰竭
4.再生障碍性贫血
5.重要器官移植手术
6.丧失独立生活能力
7.因职业感染艾滋病毒
8.爆发性肝炎
9.慢性复发性胰腺炎
10.临床全面发作的爱滋病
11.因输血导致爱滋病
12.髓样囊性疾病
13.疯牛症
14.系统性红斑狼疮性肾炎
15.绝症
16.脊髓灰质炎
17.硬皮病
18.癌症
19.象皮病
其他疾病
1.全面永久失明
2.严重烧伤
3.全面永久失聪
4.丧失语言能力
This plan does not require medical underwriting on the child(ren)
Child Entry Age: 17 yrs old below (Auto Cover even future child born)
Coverage: Until Child 18 Years Old
Claim Conditions
1st Year = 5%, up to a maximum of RM12,500
2nd Year = 10%, up to a maximum of RM25,000
3rd & Above = 20%, up to a maximum of RM50,000
Child will cover based on 45 Critical Illnesses and EXTRA below 11 Critical Illnesses, total cover 56 Types Of Critical Illnesses.
1. Severe Haemophilia
2. Insulin-dependent Diabetes Mellitus
3. Kawasaki Disease with Heart Complications
4. Rheumatic Fever with Valvular Impairment
5. Severe Asthma
6. Severe Epilepsy
7. Severe Juvenile Rheumatoid Arthritis
8. Persistent Intellectual Impairment due to Illnesses or Accident
9. Glomerulonephritis with Nephrotic Syndrome
10. Generalized Tetanus
11. Adolescent Morbid Obesity
46. 重型血友病
47. 胰島素依賴型糖尿病
48. 川崎病伴心脏并发症
49. 风湿性心瓣膜病
50. 严重性哮喘
51. 严重的癫痫病
52. 严重的幼年类风湿性关节炎
53. 疾病或意外导致的持续智力障碍
54. 伴有肾病综合征的肾小球肾炎
55. 广义破伤风
56. 青少年病态肥胖
Remark:
1. Child once diagnose one of above illness, must survival 14 days then only can claim the benefit.
2. No matter how many children are entitle.
3. Waiting Period 60 days
Claim Conditions
1st Year = Refund of total premiums paid for this rider, without interest
2nd Year = 10%, up to a maximum of RM25,000
3rd & Above = 20%, up to a maximum of RM50,000
For Parent Benefit Only Cover Below 3 Types Of Critical Illnesses
1. Alzheimer’s Disease / Severe Dementia
2. Cancer – of specified severity and does not cover very early cancers
3. Parkinson’s Disease – resulting in permanent inability to perform Activities
of Daily Living
1. 阿尔茨海默病 / 严重痴呆
2. 癌症 – 特定严重程度，不包括非常早期的癌症
3. 帕金森病 – 导致永久无法进行活动日常生活的
Remark:
1. No Entry age for Parent.
2. If at the end Parents no diagnose above Illness, the rider premium will burn.
3. Waiting Period 60 days
Upon a claim on Child Protect Benefit or Parent Protect Rider (if Parent Protect Rider is attached),
the Company will pay additional 1% of the basic sum assured in one lump sum, subject to a
maximum aggregate amount of RM10,000 per life.
Below Benefits Are Pay For Life Assured
Children Benefit
1% of Basic Sum Assured, Max RM5,000
Parent Benefit (If Any)
1% of Basic Sum Assured, Max RM5,000
100% Sum Assured or Total Premium Paid,
Whichever is higher