EXTENDED CRITICAL ILLNESS
Critical diseases are increasing and the patients are getting younger and younger, the main causes are environmental pollution, daily diet, harmful effects of cigarette smoke, etc.
When facing serious diseases, the patients are not only suffer from pain but also worry about financial issues, and they need a budget for a treatment plan.
- Comprehensive protection with a list of 116 common Critical illness in Vietnam.
- Pay up to 4 times for 4 different Critical illness out of 44 early-stage Critical illness belonging to 1 of 5 different Critical illness groups.
- Protect children against the risks of serious diseases from a very early age.
- Supports treatment of diabetes complications.
- The list of late-stage Critical illness is up to 59 diseases.
Applicable to policies issued from September 11, 2024
Policy Wordings
Summary of Policy Wordings and points to note
Brochure
List of 116 Critical illness
Tariff
Applicable to policies issued before September 11, 2024
Policy Wordings
| Juvenile Critical Illness benefit | If the Life Insured is under 18 years old and get diagnosed in 1 of 10 Critical illness for children, Company will pay 25% Sum Assured(1). |
| Diabetes complication | Company will pay 25% Sum Assured (1) if the Life Insured get diagnosed with diabetes complication including: amputation, retinopathy or ketosis (if left untreated, it can lead to coma and multiple organ failure). |
| Early Stage Critical Illness benefit | If the Insured is diagnosed with Early Stage Critical Illness, Company will pay 25% Sum Insured(1) for each Early Stage Critical Illness(2) |
| Late Stage Critical Illness benefit | If the Insured is diagnosed with Late Stage Critical Illness, Company will pay 100% Sum Insured after subtracting payments for insurance (if any) for Juvenile Critical Illness Benefit, Diabetic complication benefit, Early Stage Critical Illness benefit |
Note:
(1) The company will pay 25% of the Insurance amount but not exceeding 500 million VND.
(2) The company will pay up to 04 times for 04 early-stage Critical Illnesses belonging to 01 of 05 different Critical Illness groups.
Entry age: From 01 to 65 years old
Maturity age: 75 years old
Policy term/ Insurance term: 01 year, yearly renewable
Premium term: Equal Policy term
Waiting period: 90 days(*)
Living period: 07 days(**)
(*) Waiting period is 90 days from the Risk commencing date or the latest Reinstatement date , depends on which date comes later. Company will not pay the benefit if the Life Insured is diagnosed with Critical illness before or during the waiting period.
(**) Living period is 07 days from the date the Life Insured is diagnosed with Critical illness. Company will not pay the benefits if the Life Insured died during the Living period.
