All you want to know about the...

36 CRITICAL ILLNESSES 

or DREAD DISEASES


What does the insurance company cover in such a policy?

Prolife 36 Super Basic is a Non-Participating plan with the following benefits:-

1)  The Sum Assured of Prolife 36 Super Basic is payable upon diagnosis of any one critical illness / dread disease with the exception of the following diseases / treatments:

Diseases / Treatments % of Sum Assured Payable Initially
Balloon Angioplasty, Laser Treatment / any other Invasive Treatment for Coronary Artery Disease 10% (Subject to a maximum of RM25,000 Basic Sum Assured)
Full Blown AIDS, Occupationally Acquired HIV, HIV due to Blood Transfusion 50%

 

The balance of Prolife 36 Super Basic will be payable in the event of Total and Permanent Disability or Death or Diagnosis of any other Critical Illness / Dread Disease whichever is earlier.

2)  In the event of earlier death, the Sum Assured of Prolife 36 Super Basic will be payable.

3)  Upon Total & Permanent Disability (TPD) before age 60 of the Insured person, the Sum Assured of this Policy is payable.

PROOF OF CRITICAL ILLNESS / DREAD DISEASE

The Insured Person must provide adequate medical evidence to the satisfaction of the Company at his / her own expense. Every diagnosis of any of the 36 diseases must be supported by acceptable clinical, radiological, histological and laboratory evidence and confirmed by a registered Medical Practitioner. Though proof of the diseases may have been accepted by the Company, the Company reserves the right to demand the Insured Person to allow himself / herself to be examined by physicians nominated by the Company.

 

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