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36 CRITICAL ILLNESSES 

or DREAD DISEASES


ANNUAL PREMIUM TABLE

ANNUAL PREMIUM RATE FOR RM50,000 SUM ASSURED FOR SELECTED TERMS  

M/F

Age Last Birthday

Policy Term in Years Policy Term to Age
10 20 30 55 60 70 80
0 - 16 202 219 234 289 332 425 466
17 203 219 241 295 340 436 479
18 205 219 249 302 348 447 493
19 208 219 257 308 357 459 508
20 212 219 266 316 366 472 523
21 216 226 279 323 377 485 539
22 223 234 298 331 388 498 555
23 230 244 317 340 399 512 572
24 238 255 338 350 412 527 590
25 246 267 360 360 425 543 610
26 255 282 390 372 440 561 632
27 266 299 420 384 456 580 655
28 277 317 450 397 473 602 680
29 290 337 480 411 490 625 708
30 299 362 509 426 509 650 737
31 321 389 557 442 530 677 770
32 340 419 605 460 552 707 805
33 361 452 653 479 575 739 842
34 383 490 701 501 601 774 883
35 410 523 749 523 628 812 927
36 444 576 809 548 657 853 974
37 484 625 868 574 688 897 1,025
38 527 679 928 603 721 944 1,079
39 570 739 987 634 757 994 1,136
40 614 796 1,048 669 796 1,048 1,197
41 660 872 1,129 706 838 1,104 1,261
42 708 947 1,210 748 883 1,161 1,327
43 759 1,026 1,291 795 932 1,221 1,395
44 830 1,114 1,372 849 984 1,282 1,466
45 912 1,208 1,452 912 1,043 1,346 1,539
46 1,017 1,312 1,556 - 1,106 1,414 1,617
47 1,122 1,416 1,660 - 1,175 1,485 1,699
48 1,227 1,520 1,764 - 1,252 1,562 1,786
49 1,332 1,624 1,868 - 1,338 1,642 1,877
50 1,436 1,728 1,973 - 1,436 1,728 1,973
51 1,554 1,858 2,109 - - 1,819 2,075
52 1,671 1,988 2,245 - - 1,915 2,181
53 1,789 2,118 2,381 - - 2,016 2,292
54 1,906 2,248 2,517 - - 2,123 2,407
55 2,023 2,378 2,653 - - 2,235 2,525

An additional RM1 per RM1000 Sum Assured shall be added to the premium rate for Policy that has Sum Assured lesser than RM50,000.

PREMIUM

The premium rates are guaranteed for three (3) years from the date of commencement of this Policy. The Company reserves the right to establish, at the end of any subsequent policy year thereafter or whenever the terms of this Policy are changed, new premium rates which shall be applied to the Insured Person under this Policy. The Company will,  at least ninety (90) days before the Policy Anniversary, notify the Owner in writing of the new premium rates. Upon implementation of the new premium rates, the Policyholder has the option to discontinue the Critical Illness / Dread Disease insurance coverage but to maintain the term insurance coverage under this Policy. The Policyholder can terminate the Critical Illness / Dread Disease insurance under this Policy, by giving written notice to the Company.

COOLING-OFF PERIOD

If this Policy shall have been issued and for any reason whatsoever the Insured Person shall decide not to take up this Policy, the Insured Person may return the Policy Contract to the Company for cancellation provided such request for cancellation is delivered by the Insured Person to the Company within fifteen (15) days from the date of delivery of this Policy. The Insured Person is entitled to the return of the full premium paid less deduction of medical expenses (if any) incurred by the Company in the issue of this Policy.

 

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