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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.


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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