Pre-existing conditions which are:
Chronic disease, illness (including its complications) or injury which has not been cured before the effective date or the latest renewal date of the rider, whichever is the latest; unless
- The insured has declared to the Company and the Company has approved to accept risk without exclusions of such coverage; or
- This rider has been effective for at least 3 years consecutively where such chronic disease, injury or illness (including its complications) is asymptomatic and has not been treated or diagnosed by a physician, or has not been seen or consulted by a physician within 5 years before the first rider effective date.
Q: What is insurable age and when does the coverage end?
A: Insurable age is from 6-80 years and the coverage is provided until the age of 99.
Q: Does OPD Rider need to be attached to a base life insurance policy?
A: Yes, it must be attached to a base life insurance policy.
Q: Will it be effective immediately?
- Illnesses must occur 30 days after the effective date of this rider.
The following diseases will be covered if they occur 120 days after reinstatement or the effective date of this rider.
|Tumors, cysts or all types of cancer||Hemorrhoid|
|All types of hernia||Pterygium or cataract|
|Tonsillectomy or adenoidectomy||All types of stones|
The following diseases will be covered if they occur 180 days after reinstatement or the effective date of this rider.
Pay for 20 years to Receive Coverage Until Attaining the Age of 99
Deliver security to your family and loved ones through whole life insurance which will be by your side at every moment by paying premium for 20 years and receiving coverage until attaining the age of 99.
Pay 7 years for coverage until attaining the age of 99
Providing financial security to 3 generations from only one policy
Maximum 400% coverage for critical illnesses(1)
Get coverage for 35 critical illnesses to ease your mind in time of sickness. You may stop paying premium instantly yet receive continuos coverage for the remaining critical illness groups for 10 years more.