Agency Manual (For Internal Reference Only)

GREAT Critical Care Relief (Plan Code: 0550)

Plan Name : GREAT Critical Care Relief 美满多元保障
Plan Code : 0550
Plan Abbreviation : GCCR
Launch Date : 18 October 2022

PLAN DESCRIPTION
1. This is a non-participating whole life plan that matures at 80 years old next birthday.
2. This plan provides Admission Event Benefit, Covered Event Benefit, Death Benefit and Maturity Benefit.

BENEFITS
1. Admission Event Benefit
If the Life Assured is certified to suffer from any one of the admission events listed below, the higher
of basic sum assured or total premiums paid without interest will be payable in one lump sum. The
policy shall be terminated thereafter.
No. Admission Event
1 Prolonged Hospital Admission with Major Surgery for at least 21 consecutive days
2 Intensive Care Unit (ICU) admission for at least 7 consecutive days

2. Covered Event Benefit

If the Life Assured is diagnosed any one of the covered events below, the higher of the basic sum
assured or total premiums paid without interest will be payable in one lump sum. The policy shall
be terminated thereafter.
No. List of Covered Event
1 Cancer
2 Heart Attack
3 Stroke
4 Kidney Failure
5 Other Serious Coronary Artery Disease

3. Death Benefit
Upon death of the Life Assured, the higher of the basic sum assured or total premiums paid without
interest will be payable in one lump sum.

4. Maturity Benefit
Upon the survival of the Life Assured to the policy anniversary on which the Life Assured’s age is
80 years next birthday, the higher of the basic sum assured or total premiums paid without interest
will be payable in one lump sum.

5. Waiting Period
A 30 / 60 days waiting period shall apply, depending on the event as follows:
No. List of Event Waiting Period
1 Admission Event (except for accidental cause) 60 days
2 Cancer 60 days
3 Heart Attack 60 days
4 Other Serious Coronary Artery Disease 60 days
5 Stroke 30 days
6 Kidney Failure 30 days

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 Agency Manual (For Internal Reference Only)
GREAT Critical Care Relief (Plan Code: 0550)
6. Child Lien
The following lien shall apply for child before age 5 years next birthday:
Age Next Birthday on Policy Anniversary Admission Event Benefit /
preceding occurrence of claim event Covered Event Benefit / Death Benefit
1 20% of basic sum assured
2 40% of basic sum assured
3 60% of basic sum assured
4 80% of basic sum assured

PREMIUM
1. Premium Rates
Premium rates vary by entry age next birthday, smoker status and gender. Premium rates are non-
guaranteed. Please refer to Appendix 1 for the premium rates.

2. Premium Payment Modes and Modal Factors

a) Annual, Half Yearly, Quarterly and Monthly.
b) Standard factors apply for mode other than annual mode.

Mode of premium payments Factors

Half Yearly 0.5100
Quarterly 0.2575
Monthly 0.0875

3. Premium Payment Method

 Internet Banking, Credit Card, JomPAY, GIRO, ePAY or Cash/ Cheque payment via Collecting
Bank (over-the-counter, ATM & cheque deposit machine). However, cash and cheque are not
allowed for monthly mode of payment.

4. Premium Payment Term

Same as policy term.

5. Advanced Premium
Allowed.

DISCOUNT
1. Large Sum Assured Discount
Not applicable.

UNDERWRITING
1. Entry Age
Minimum: 14 days attained age
Maximum: 60 years old next birthday

2. Policy Term
80 – entry age of Life Assured.

3. Sum Assured
Minimum: RM50,000
Maximum: RM400,000 (per life)

Note:
a) The sum assured is subject to RM5,000,000 critical illness limit on any one life under all policies
(excluding Bancassurance and Group policies) issued by the Company.
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 Agency Manual (For Internal Reference Only)
GREAT Critical Care Relief (Plan Code: 0550)
4. Backdating
Allowed up to 1 year and provided the Life Assured is within the maximum eligible entry age, i.e. on
or before 60 years next birthday at the point of submitting the proposal. Overdue interest will be
charged if backdating is more than 6 months.

5. Underwriting Requirement
Underwriting Guidelines
a) Full medical underwriting for this plan.
b) Normal financial underwriting will be applicable.
c) This plan is applicable for Malaysian, Singaporean, Bruneian and Permanent Resident in
Malaysia. Foreigner applicant is allowed however required to reside in Malaysia for a minimum
of 6 months prior to application and subject to underwriting decision (Note: Foreign applicant
from high risk country will be declined).
d) For determining the non-medical limits*, 100% SA of this product and any existing policies within
2 calendar years will be considered for calculation of NML.
*Kindly refer to the latest non-medical limits table.

CHANGES IN SUM ASSURED

1. Increase Sum Assured
An increase in sum assured is allowed only within the first policy year, provided no claim has been
admitted. The increase is subject to the applicable underwriting of this product.

2. Decrease Sum Assured

Policyholder may decrease the sum assured at anytime, subject to the minimum sum assured limit
and provided no claim has been admitted. Decrease in sum assured can only take effect from next
premium due date.

OTHER PRODUCT FEATURES

1. Surrender
Guaranteed cash value is available after the payment of 2 years premium. Upon surrender of the
policy, the guaranteed cash value shall be payable, subject to the deduction of any indebtedness
to the company. The computation of cash value will be based on 100% of sum assured.

2. Partial Surrender
Allowed, refer to “Decrease in Sum Assured”.

3. Policy Loans
Up to 92% of the cash value.

4. Automatic Premium Loan

After the policy has acquired cash values, the policy shall not become void for non-payment of
renewal premium after the 30 days grace period so long as the cash values are sufficient to advance
the premium due.

5. Extended Term Assurance

After the policy has acquired surrender values, the policy may be converted to a non-participating
Extended Term Assurance for a reduced policy term with the same basic sum assured payable in
the event of death of the Life Assured during the term covered.

If the surrender values are more than sufficient to provide coverage to the maturity of the original
term, the excess amount (if any) shall be refunded in cash at the date of conversion.

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 Agency Manual (For Internal Reference Only)
GREAT Critical Care Relief (Plan Code: 0550)
Admission Event Benefit, Covered Event Benefit and Maturity Benefit shall cease upon conversion
to Extended Term Assurance. Similarly, all attaching riders (if any) shall be terminated.

6. Paid-up Assurance
After the policy has acquired surrender values, the policy may be converted to a non-participating
Paid-up Assurance with a reduced sum assured payable in the event of death or on the Life
Assured’s survival to maturity date of the policy.

If the surrender value is more than the amount required to convert this policy into the paid-up
assurance, the excess amount (if any) will be refunded in cash at the date of conversion.

Admission Event Benefit and Covered Event Benefit shall cease upon conversion to Paid-up
Assurance. Similarly, all attaching riders (if any) shall be terminated.

7. Replacement of Policy
Applicable. An agent or agency leader may not receive any compensation with respect to a policy,
which replaced another policy within a duration of less than 12 months before or after the original
policy discontinued subject to the current practice.

8. Free-Look Period
Policyholder is allowed to cancel the policy within 15 days. Under such circumstance, total premium
paid minus the expenses incurred for medical examination (if any) will be refunded and commissions
will be clawed back accordingly.

9. Assignment / Nomination
Allowed.

10. 3rd Party Policy

Allowed.

11. Reinstatement
Allowed within 3 years from the lapsed date. Waiting Period shall apply again upon reinstatement.

12. Vesting for Child

Standard vesting provision shall apply.

13. Change of Plan at CS Stage

Not allowed.

OTHER PRIVILEGES
1. Option to Purchase a New Policy (Standard life only)
Not applicable

2. Option to BuyBack (Standard life only)

Not applicable

3. Conversion Privilege
Not applicable

Balanced Scorecard (BSC)

Yes. Subject to Balanced Scorecard.

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 Agency Manual (For Internal Reference Only)
GREAT Critical Care Relief (Plan Code: 0550)
ATTACHABLE RIDERS
Waiver and Payer Benefits:
a) Payer Benefit Extra Rider (Plan Code: T802)

EXCLUSIONS
i. Death during the first policy year from the risk commencement date or from the date of any reinstatement,
whichever is later, as a result of suicide, while sane or insane.
ii. The Company will not be liable for any Admission Event Benefit if the conditions or signs and symptoms
associated with the admission event:
 has existed prior to the risk commencement date or the date of any reinstatement, whichever is
later;
 has existed before the waiting period except for injury; or during the waiting period which would
prompt a reasonable person to seek medical care or attention, though the resulting diagnosis may
occur before or after the expiry of the waiting period;
 was caused directly or indirectly by self-inflicted injuries, illnesses or attempted suicide, while sane
or insane;
 was resulted from the Life Assured committing, attempting or provoking an assault or a felony or
from any violation of law by Life Assured;
 was resulted from the Life Assured driving a motor vehicle without possessing a valid driving license.
This exclusion will not apply if the Life Assured has an expired license but is not disqualified from
holding or obtaining such driving license under any laws, by-laws or regulations;
 was resulted from war or any act of war, declared or undeclared, criminal or terrorist activities, active
duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;
 was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS)
or by the presence of any Human Immuno-deficiency Virus (HIV) infection, except for HIV due to
blood transfusion and occupationally acquired HIV;
 was resulted from psychological disorders, personality disorders, mental conditions or behavioural
disorders, including any addiction or dependence arising from these disorders such as but not
limited to gambling or gaming addiction;
 was resulted from alcohol abuse or drug abuse;
 was resulted from treatment aimed at improving appearance, such as cosmetic surgery or any
treatment relating to a previous cosmetic treatment;
 treatment that was underwent overseas except for treatment done in Malaysia, Singapore and
Brunei;
 was resulted from pregnancy, child birth (including surgical delivery), miscarriage, abortion and
prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth
control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to
impotence or sterilisation;
 was resulted from treatment of sexually-transmitted diseases;
 was resulted from sex-change operations;
 was resulted from experimental or pioneering medical or surgical techniques, medical devices not
approved and medical trials for medicinal products whether or not these trials have a clinical trial
certificate;
 was resulted from alternative or complementary treatments, including traditional Chinese medicine
(TCM) or a stay in any health-care establishment for social or non-medical reasons;
 is resulted from ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear
waste from process of nuclear fission or from any nuclear weapons material; or
 was diagnosed due to, directly or indirectly, a congenital defect or disease, which was manifested
or was diagnosed before the Life Assured attains the age of 17 years next birthday.
iii. The Company will not be liable for any Covered Event Benefit if the conditions or signs and symptoms
associated with the covered event:
 has existed prior to the risk commencement date or the date of any reinstatement, whichever is
later;
 has existed or was diagnosed during the waiting period;

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 Agency Manual (For Internal Reference Only)
GREAT Critical Care Relief (Plan Code: 0550)
 has existed before or during the waiting period which would prompt a reasonable person to seek
medical care or attention, though the resulting diagnosis may occur before or after the expiry of the
waiting period;
 is caused directly or indirectly by self-inflicted injuries, while sane or insane;
 is resulted from life assured committing, attempting or provoking an assault or a felony or from any
violation of the law by the Life Assured;
 is resulted from the Life Assured driving a motor vehicle without possessing a valid driving license.
This exclusion will not apply if the Life Assured has an expired license but is not disqualified from
holding or obtaining such driving license under any laws, by-laws or regulations;
 is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS)
or by the presence of any Human Immuno-deficiency Virus (HIV) infection;
 is resulted directly from alcohol or drug abuse; or
 is resulted from war, whether declared or undeclared.

Note: The exclusion list may not be exhaustive. For full list of the exclusions, please refer to the policy
contract.

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 Agency Manual (For Internal Reference Only)
GREAT Critical Care Relief (Plan Code: 0550)

APPENDIX 1: PREMIUM RATES

Premium Rates per RM1,000 sum assured

ANB MNS MS FNS FS ANB MNS MS FNS FS

1 10.80 10.80 10.10 10.10 31 28.10 34.60 27.00 33.30
2 10.80 10.80 10.10 10.10 32 29.30 36.20 28.20 34.90
3 10.90 10.90 10.20 10.20 33 30.60 37.80 29.40 36.40
4 10.90 10.90 10.20 10.20 34 31.70 39.50 30.60 37.90
5 11.00 11.00 10.30 10.30 35 33.00 41.10 31.70 39.50
6 11.60 11.60 10.80 10.80 36 34.60 43.20 33.30 41.60
7 11.60 11.60 10.80 10.80 37 36.20 45.40 34.90 43.70
8 12.00 12.00 11.20 11.20 38 37.80 47.70 36.40 45.80
9 12.10 12.10 11.30 11.30 39 39.50 49.80 37.90 47.80
10 12.80 12.80 11.80 11.80 40 41.10 52.00 39.50 50.00
11 13.30 13.30 12.30 12.30 41 43.20 55.70 41.60 53.10
12 13.90 13.90 13.00 13.00 42 45.40 59.40 43.70 56.20
13 14.60 14.60 13.90 13.90 43 47.70 63.00 45.80 59.30
14 15.40 15.40 14.60 14.60 44 49.80 66.60 47.80 62.40
15 16.00 16.00 15.30 15.30 45 52.00 70.30 50.00 65.50
16 16.20 16.20 16.00 16.00 46 55.70 76.90 53.10 71.60
17 17.00 20.20 16.30 19.40 47 59.40 83.50 56.20 77.70
18 17.60 20.80 16.90 20.10 48 63.00 90.00 59.30 83.70
19 18.10 21.60 17.50 20.70 49 66.60 96.50 62.40 89.90
20 18.80 22.30 18.00 21.50 50 70.30 103.10 65.50 96.00
21 19.50 23.20 18.80 22.40 51 76.70 109.80 71.60 103.00
22 20.20 24.10 19.40 23.20 52 83.60 116.40 77.70 110.00
23 20.80 25.10 20.10 24.10 53 91.10 122.70 83.70 117.00
24 21.60 26.00 20.70 25.00 54 99.30 133.10 90.80 124.00
25 22.30 26.90 21.50 25.90 55 108.20 144.00 100.60 131.00
26 23.20 28.10 22.40 27.00 56 122.30 162.00 113.70 145.80
27 24.10 29.30 23.20 28.20 57 138.20 184.00 128.50 165.60
28 25.10 30.60 24.10 29.40 58 156.10 210.00 145.20 189.00
29 26.00 31.70 25.00 30.60 59 176.40 240.00 164.10 216.00
30 26.90 33.00 25.90 31.70 60 199.30 270.70 185.40 243.70

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