Details of Insurance Package

Coverage period

Insurable age is 18 - 40 years old which can be renewed until 44 years old.

Term of Insurance

1 year (Be able to purchase until the age of 40 and renew until the age of 44.) In this regard, it must not exceed coverage period of life insurance policy that this rider is attached to.

Term of premium payment

1 year (Be able to purchase until the age of 40 and renew until the age of 44.) In this regard, it must not exceed coverage period of life insurance policy that this rider is attached to.

Premium payment period

Annual, semiannual, quarterly, and monthly

Health check

According to the Company's rules

Rider Purchase

Able to purchase according to the Company's rules

Coverage of Happy Lady Plus Rider
Coverage Plan

1. Critical illness*
2. Hysterectomy or Mastectomy
2.1 Hysterectomy
2.2 Mastectomy
3. Facial skin grafting surgery and breast reconstruction surgery
4. Maternity benefits** 
4.1 Benefits during pregnancy period 
4.2 Benefits after childbirth

*Critical illness means in case the insured is diagnosed by a physician and the Company has considered the insured as having one of the following illness or diseases, the Company shall pay at 100% of the critical illness benefit.

1.  Malignant cancer of the breast or cervix uteri
2. Carcinoma in situ of the breast or cervix uteri (only this item 2, benefit shall be paid at 30% of the critical illness benefit and the insured is still entitled to receive the coverage items 1, 3 and 4 at 70% of the critical illness benefit.)
3. Other malignant major cancers of the female reproductive organs: uterus, ovary, fallopian tube or vagina/vulva
4. Systemic Lupus Erythematosus

Benefits during pregnancy period
In case the insured or fetus has been diagnosed by a physician as having complications caused by the pregnancy as follows.
• Death of the fetus occurs after 195 days of pregnancy  
• Ectopic pregnancy termination
The Company shall pay the benefit at 100% of the benefits during pregnancy period which shall be paid once, and the coverage benefits during pregnancy period shall end.

Benefits after childbirth
In case the insured or infant has been diagnosed by a physician as having complications caused by the childbirth as follows.
• The insured passes away within 42 days after childbirth.  
• The infant passes away with 28 days after delivery.   
• The infant, having survived at least 28 days from the date of delivery, is diagnosed as having congenital disease i.e. Down’s syndrome, spina bifida, tetralogy of fallot or transposition of the great vessels, which must be diagnosed within 2 years from the date of delivery.  
The Company shall pay the benefits at 100% of the benefit after childbirth, which shall be paid once, and the coverage benefits after childbirth shall end.