Highlight benefits

Coverage for 35 critical illnesses

Divided into 4 groups of critical illnesses

Continuous coverage for the remaining critical illness types for 10 years more

Once diagnosed with a critical illness of any group, you may stop paying the premium instantly.

Maximum 400% coverage for critical illnesses(1)

Receive 100%(2) once diagnosed with a critical illness of any group. 

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Because critical illnesses are more than you can think of, stay equipped with the Multiple CI Rider which covers all 4 types of 35 critical illnesses, including coverage for heart transplant, major organ transplant, bone marrow transplantation, etc. This can alleviate worries about medical expenses and offer you maximum 400% coverage(1) when diagnosed with a critical illnesses of any group. You may stop paying premium any time yet receive continuous coverage for the remaining critical illness group for 10 years more. Receive lump sum benefit to manage it your way. 

Insurance conditions

Insurable age

7 - 65 years old

Premium payment period

Pay premium until the age of 79. However, it must not exceed the coverage period of the life insurance policy that this rider is attached to.

Long length of insurable age

Receive coverage until the age of 80. However, it must not exceed the coverage period of the life insurance policy that this rider is attached to.

Choose your preferred premium payment mode

Annual, semiannual, quarterly, and monthly

Health checkup

Subject to the Company's rules

35 critical illnesses are as follows:

35 critical illnesses are as follows:
Group 1 Cardiovascular Disease
- Coronary Artery By-pass Surgery
- Cardiomyopathy
- Acute Heart Attack
- Open Heart Surgery for the Heart Valve
- Surgery to Aorta
- Primary Pulmonary Arterial Hypertension
- Heart Transplant
- Major Stroke

 

Group 2 Cancers
- Invasive Cancer
- Benign Brain Tumor

Group 3 Major organ transplants and end stage organ failure related to liver, lung, and kidney
- Major Organs Transplantation or Bone Marrow Transplantation
- Medullary Cystic Kidney
- Severe Chronic Obstructive Pulmonary Disease / End-stage Lung Disease
- Chronic Liver Disease / End-Stage Liver Disease / Liver Failure 
- Fulminant Viral Hepatitis
- Chronic Kidney Failure

Group 4 Other Critical Illnesses
- Apallic Syndrome or Vegetative State
- Alzheimer’s Disease
- Aplastic Anemia
- Bacterial Meningitis
- Blindness
- Coma
- Loss of Hearing
- Encephalitis
- Loss of Speech
- Major Burns
- Motor Neuron Disease
- Multiple Sclerosis
- Muscular Dystrophy
- Paralysis
- Parkinson's Disease
- Poliomyelitis
- Major Head Trauma
- Progressive Scleroderma or Diffuse systemic sclerosis/scleroderma
- Lupus Nephritis from Systemic Lupus Erythematosus

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 Multiple CI Rider are as follows:

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. Suicide, or self-inflicted injury or self-inflicted attempt  
3. Inhaling, eating, drinking, or injecting toxic substances into one's body, or by other means, either under a state of insanity or not

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 Multiple CI Rider?
A: Multiple CI Rider provides coverage for 35 diseases at 100% of the sum insured. For your peace of mind, if you receive the first claim payment of sum insured, you are no longer required to pay premium of this rider. However, it shall remain effective and you still receive coverage of the remaining groups as follows:
- Receive coverage for diseases under the other groups of critical illnesses.
- The Company shall pay maximum benefit not exceeding 4 occasions and not exceeding 4 times the sum insured whereby the maximum benefit of each group of critical illnesses is up to 1 time the sum insured.
- Receive coverage for groups of critical illnesses that have not been paid for 10 years after the first claim payment.

Q: Why does the coverage of Multiple CI Rider start 90 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 90 days after contract formation.


Q: What is insurable age of Multiple CI Rider and when does the coverage end?
A: Insurable age is from 7 – 65 years old (the insured can renew until the age of 79) and the coverage is provided until the age of 80.

Q: Does premium of Multiple CI 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 Multiple CI 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 Multiple CI 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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