Critical Illness Insurance
Critical Illness Insurance
Gain financial support during challenging times. Our critical illness insurance offers a lump sum payment for major illnesses such as cancer, heart attack, or stroke, covering medical expenses and additional recovery costs.
A. When the life insured is diagnosed with any of the covered critical illnesses (except Early Stage Cancer, Angioplasty and Other Invasive Treatments for Coronary Artery Disease, Severe Mental Illness and Diabetes Mellitus Complications) within the coverage term and survives at least 30 days from the date of diagnosis.
For Early Stage Cancer, Angioplasty and Other Invasive Treatments for Coronary Artery Disease, Severe Mental Illness or Diabetes Mellitus Complications, the following will be payable:
1) x0% of sum insured of RMxx,000.00; or
2) RMxx,000;
whichever is lower.
1) x0% of sum insured of RMxx,000.00; or
2) RMxx,000;
whichever is lower.
B. When the life insured is diagnosed with Cancer and survives at least 30 days from the date of diagnosis, an additional 50% of sum insured is payable, on top of critical illness benefit.
List of Covered Critical Illnesses
- Alzheimer's Disease/ Severe Dementia
- Angioplasty and Other Invasive Treatments for Coronary Artery Disease
- Bacterial Meningitis – Resulting in Permanent Inability to Perform Activities of Daily Living
- Benign Brain Tumor – of Specified Severity
- Blindness – Permanent and Irreversible
- Brain Surgery
- Cancer – of Specified Severity and Does Not Cover Very Early Cancers
- Cardiomyopathy – of Specified Severity
- Chronic Aplastic Anemia – Resulting in Permanent Bone Marrow Failure
- Coma – Resulting in Permanent Neurological Deficit with Persisting Clinical Symptoms
- Coronary Artery By-pass Surgery
- Deafness – Permanent and Irreversible
- Encephalitis – Resulting in Permanent Inability to Perform Activities of Daily Living
- End-stage Liver Failure
- End-stage Lung Disease
- Full-Blown AIDS
- Fulminant Viral Hepatitis
- Heart Attack – of Specified Severity
- Heart Valve Surgery
- HIV Infection due to Blood Transfusion
- Kidney Failure – Requiring Dialysis or Kidney Transplant
- Loss of Independent Existence
- Loss of Speech
- Major Head Trauma – Resulting in Permanent Inability to Perform Activities of Daily Living
- Major Organ/ Bone Marrow Transplant
- Medullary Cystic Disease
- Motor Neuron Disease – Permanent Neurological Deficit with Persisting Clinical Symptoms
- Multiple Sclerosis
- Muscular Dystrophy
- Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
- Paralysis of Limbs
- Parkinson's Disease – Resulting in Permanent Inability to Perform Activities of Daily Living
- Primary Pulmonary Arterial Hypertension – of Specified Severity
- Serious Coronary Artery Disease
- Stroke – Resulting in Permanent Neurological Deficit with Persisting Clinical Symptoms
- Surgery to Aorta
- Systemic Lupus Erythematosus with Severe Kidney Complications
- Terminal Illness
- Third Degree Burns – of Specified Severity
- Early Stage Cancer
- Severe Mental Illness
- Diabetes Mellitus Complications
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Join the AXXESS Three-Sixty Protect family today and experience the confidence that comes from being fully covered. Protect what matters most and embrace life’s journey with assurance.