| Life Protection |
TermShield Rider |
A term rider which provides coverage against death and Total & Permanent Disability (TPD). |
| Medical |
HLA MediShield Rider
(Optional Benefits: Million Extra & Overseas Treatment for Selected Surgeries) |
A medical plan up to age 100 which offers a choice of deductible amount prior to and after attaining the retirement age of 60 years old.
Million Extra and Overseas Treatment for Selected Surgeries are available in the form of optional benefits to this Rider.
MediCare Funding Rider is available for this Rider as a regular top-up option. It may be added from inception onwards up to the last rider anniversary prior to expiry of HLA MediShield Rider. |
| Hospital Cash Income Rider |
A Premium Paying Rider with Unitisation which provides a fixed daily Hospitalisation Benefit of RM50 per unit when the Life Assured is hospitalised. |
| Critical Illness |
Accelerated Critical Illness Rider |
Provides lump sum benefit upon Critical Illness. Benefit payment is an advance payment of the basic coverage which will reduce the Basic Sum Assured accordingly. |
| Diabetes Wellness Care Rider |
Specially designed for Diabetic Patients with lump sum benefit upon death or 5 specific Critical Illnesses/Condition. |
| CI Care Rider |
A Premium Paying Rider with Unitisation which provides coverage against 36 critical illnesses. |
| Junior CI Care Rider |
A Premium Paying Rider with Unitisation which provides coverage on Juvenile Critical illness, common 36 Critical Illness Benefit and Hospitalisation Benefit. |
| Total CI Care Rider |
A Premium Paying Rider with Unitisation which provides coverage against 8 categories of critical illness and conditions from early to advance stages. Amount claimable is up to 800%. |
| Guaranteed Cash |
EverIncome (Yearly) Rider |
Provides guaranteed yearly income starting from the end of the 1st rider year and terminates upon diagnosis of cancer, TPD, death, or expiry, whichever occurs earlier. Upon claim, 100% of the outstanding guaranteed yearly income shall be payable.
|
| EverIncome (Monthly) Rider |
Provides guaranteed monthly income starting from the end of the 6th rider month and terminates upon diagnosis of cancer, TPD, death, or expiry, whichever occurs earlier. You will also receive an additional 5 times of guaranteed monthly income at expiry. Upon claim, 100% of the outstanding guaranteed monthly income shall be payable. |
| Accidental Coverage |
Personal Accident Rider |
Provides lump sum benefit upon accidental death or total/partial permanent disability and a Compassionate Allowance Benefit upon death due to any cause.
|
| Accidental Daily Hospitalisation Income Rider |
Provides daily income up to a maximum of 730 days upon hospitalisation due to accident. |
| Accidental Death & Compassionate Allowance Rider |
Provides lump sum benefit upon accidental death and a Compassionate Allowance Benefit upon death due to any cause. |
| Accidental Medical Reimbursement Rider |
Provides reimbursement for medical and surgical expenses incurred due to accident. |
| Accidental Weekly Indemnity Rider |
Provides weekly indemnity up to a maximum of 104 weeks upon temporary disability due to accident and a Compassionate Allowance Benefit upon death due to any cause. |
| Disability Income |
Accidental TPD Monthly Living Allowance Rider |
Provides monthly living allowance up to a maximum of 180 months upon TPD due to accident and a Compassionate Allowance Benefit upon death due to any cause. |
| TPD Yearly Living Allowance Rider |
Provides yearly living allowance upon TPD of the Life Assured due to any cause. |
| Premium Waiver |
Critical Illness Waiver of Premium Rider |
Provides waiver of premium upon Critical Illness. |
| TPD Waiver of Premium Rider |
Provides waiver of premium upon TPD or OAD. |
| Applicable Riders for Policy Owner |
Description |
| Living Care Waiver of Premium Rider |
Provides waiver of premium upon Critical Illness, TPD, OAD, or death. |
| Waiver of Premium Rider |
Provides waiver of premium upon TPD, OAD, or death. |