IL Critical Illness Benefit Advance Rider (Large Protection)

This is a 45 Type of Critical Illnesses rider that is attachable to the Large Protect Policy 

Coverage:
Until age 100 years  next birthday OR follow Basic Plan Term

Entry Age: 
Minimum = 14 days attained age
Maximum = 65 age next birthday

Sum Assured:
Minimum = RM 500,000
Maximum= BSA (Cannot exceed the BSA amount)

Child Lien Required

Age next birthday                 Critical Illnesses Benefit after Lien
        0-1                                             20% of the Basic Sum Assured
          2                                                40% of the Basic Sum Assured
          3                                                60% of the Basic Sum Assured
          4                                                80% of the Basic Sum Assured
    5 & above                                100% of the Basic Sum Assured

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

Exp 1:
BSA: RM 500,000
CIBAR: RM 500,000

Once Claim
BSA RM500,000 – CIBAR RM500,000
= BSA 0 + Additional Sum Assured + TIV

CIBAR claim amount
will deduct from BSA amount

Exp 2:
BSA: RM 700,000
CIBAR: RM 500,000

Once Claim
BSA RM700,000 – CIBAR RM500,000
= BSA RM200,000 + ASA + TIV

CIBAR claim amount
will deduct from BSA amount