Highlight benefits

Coverage of 30 critical illnesses

Smile through the hardship

100% coverage of every case of death(1)

Based on the sum insured

Lump sum benefit

Allow you to plan your own expense 

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Live confidently and happily, and worry not about critical illnesses and treatment expenses, with Happy Living Rider which covers 30 critical illnesses or death for every case. It helps alleviate your concerns over medical expenses with lump sum benefit, allowing you to manage expenses yourself.

Insurance conditions

Insurable age

18 - 64 years old

Long length of insurable age

Receive coverage until the age of 70. However, it must not exceed the coverage period of the life insurance policy that this rider is attached to.

Premium payment period

Pay premium until the age of 69. However, it must not exceed the coverage period of the life insurance policy that this rider is attached to.

Health checkup

Subject to the Company's rules

Choose your preferred premium payment mode

Annual, semiannual, quarterly, and monthly

30 critical illnesses are as follows:

1. Alzheimer’s disease
2. Aplastic anemia
3. Bacterial meningitis
4. Blindness
5. Invasive cancer
6. Chronic liver disease/End-stage Liver disease/Liver failure 
7. Severe chronic obstructive pulmonary disease/End-stage lung disease
8. Coma
9. Coronary artery by-pass surgery
10. Acute heart attack
11. Open heart surgery for the heart valve
12. Chronic kidney failure
13. Loss of hearing
14. Total and permanent disability (TPD)
15. Loss of speech
16. Major burn
17. Major organs transplantation or bone marrow transplantation
18. Motor neuron disease
19. Multiple sclerosis 
20. Muscular dystrophy
21. Fulminant viral hepatitis
22. Paralysis 
23. Parkinson’s disease
24. Primary pulmonary arterial hypertension
25. Major stroke
26. Surgery to aorta 
27. Apallic syndrome or vegetative state
28. Poliomyelitis
29. Encephalitis
30. Terminal illness

Illnesses during the waiting period

This rider does not cover any critical illnesses or abnormalities confirmed by a physician and clearly proven to be related with the critical illnesses under this rider occurring within 30 days from the effective date of this rider, the latest date of reinstatement, or the date that the Company approves to increase the sum insured amount of this rider, whichever is the latest. In this regard, in case the Company approves to increase the sum insured amount, the Company shall not cover the increasing sum insured amount only.

Exclusions of Happy Living Rider include the 3 main parts:

1. This rider shall not cover death directly or indirectly, wholly or partly, caused by the following events:  
1.1) The insured voluntarily commits suicide within one year (1 year) from the effective date or the latest date of reinstatement of this rider, or the date that the Company approves to increase the sum insured amount of this rider, whichever is the latest, which shall apply to the increasing sum insured amount only. The Company shall be liable to return all premium recieved from the effective date or the latest date of reinstatement of this rider, or the date that the Company approves to increase the sum insured amount, whichever is the latest.             
1.2) War (whether declared or un declared), invasion, act of foreign enemy, civil war, revolution, rebellion, riot, or terrorism 
2. This rider shall not cover critical illnesses except permanent disability directly or indirectly, wholly or partly, caused by the following events: 
2.1) Abnormalities confirmed by a physician and clearly proven to be related with the critical illnesses or the critical illnesses existing priror to the effective date of this rider or the latest date of reinstatement, or the date that the Company approves to increase the sum insured amount, whichever is the latest. In this regard, in case the Company approves to increase the sum insured amount, the Company shall not cover the increasing sum insured amount only unless the insured makes declaration for the Company’s acknowledgment and the Company accepts such risk without conditions to exclude such coverage. 
2.2 Suicide, or self-inflicted injury or self-inflicted attempt   
3. This rider shall not cover critical illnesses in case of permanent disability caused by the following events: 
3.1) Suicide, suicide attempts, or self-inflicted injury
3.2) Any injury arising while the insured is committing a felony or being arrested or escaping the arrest

Remarks

- Underwriting is subject to the Company’s rules. - Conditions and exclusions are as stated in the insurance policy.
- Premium of this rider is partially entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.

Warning: Buyer should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.

FAQ

Q: What are benefits of Happy Living Rider?
A: It provides coverage at 100% of sum insured in the event of death (not only of critical illnesses) and being diagnosed with 30 specified diseases. You will receive a lump sum amount so that you can manage expenses by yourself and be ready to tackle those illnesses with ease.

Q: Why does the coverage of Happy Living Rider start 30 days after the contract formation date?

A: In general, critical illness insurance has waiting period to avoid the insureds who are aware that they are having serious illnesses; therefore, the coverage will start 30 days after contract formation.

Q: What is insurable age of Happy Living Rider and when does the coverage end?
A: Insurable age is from 18-64 years old (the insured can renew until the age of 69) and the coverage is provided until the age of 70.

Q: Does premium of Happy Living Rider increase based on increasing age range?
A: In general, premium of critical illness insurance increases based on increasing age range.

Q: Is premium of Happy Living Rider entitled to tax deduction?
A: This premium is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.

Q: Does Happy Living Rider need to be purchased with a base insurance contract? 
A: Yes, it must be purchased together with a base insurance contract.

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