Colon cancer spreading

Cancer of the colon and rectum (colorectal cancer) has overtaken cervical cancer as the second most common cancer among Malaysian women.

UKM Medical Centre (UKMMC) oncology department head Assoc Prof Datuk Dr Fuad Ismail said the cancer, which is the most common type among Malaysian men, had intensified with the women in the past few years.

http://thestar.com.my/news/story.asp?file=/2012/1/27/nation/10547260&sec=nation

Critical Illness

Below is a summary of the 36 Critical Illness covered by insurance companies:

1. Heart Attack
2. Stroke
3. Coronary Artery Requiring Surgery
4. Cancer
5. Kidney Failure
6. Fulminant Viral Hepatitis
7. Major Organ Transplant
8. Paralysis / Paraplegia
9. Multiple Sclerosis
10. Primary Pulmonary Arterial Hypertension
11. Blindness
12. Heart Valve Replacement
13. Loss Of Hearing / Deafness
14. Surgery to Aorta
15. Loss of Speech
16. Alzheimer's Disease / Irreversible Organic
         Degenerative Brain Disorders
17. Major Burns
18. Coma
19. Terminal Illness
20. Motor Neurone Disease
21. AIDS Due To Blood Transfusion
22. Parkinson's Disease
23. Chronic Liver Disease
24. Chronic Lung Disease
25. Major Head Trauma
26. Aplastic Anaemia
27. Muscular Dystrophy
28. Benign Brain Tumour
29. Encephalitis
30. Poliomyelitis
31. Brain Surgery
32. Bacterial Meningitis
33. Other Serious Coronary Artery Disease
34. Apallic Syndrome
35. AIDS Cover of Medical Staff
36. Full Blown AIDS

Actual payment will depend on the Terms and Condition stated in your insurance policy. 

Save with Great EduPlanner to educate your child

Great Eastern offers a limited pay endowment plan to save for your child's education. Cost of education has been increasing and is projected to increase at a inflation rate of 10%. 

Great Eduplanner is a limited premium payment endowment plan participating in the profits of the invvestments. The returns are based on the Compound Reversionary Bonus (CRB) that would be declared by te Company depending on the operating and investment results experienced by the Company. The company projects a CRB of RM20 per RM1,000 Basic Sum Assured and accumulated with interest at 2.0% p.a for attaching bonus. 

There are two plans:

 i) A 20 year plan with a premium payment of 15 years

ii) A 25 year plan with a premium payment of  20 years

For a 20 years Great Eduplanner,  a parent/guardian only need to pay premium for the 15 years, and get the maturity benefit at then end of the 20th year.

*Thus a 35 year old parent/guardian paying a permium of approximately RM 10,000 per year including Payer Benefit Rider Plus would receive approximately RM 200,000 to RM250,000 upon maturity as shown by the Company's sales illustration. 

*Note: Terms and conditions apply

Additional Benefit due to Snatch Theft

Essential AccidentCare Rider is a personal accident rider that provides coverage in the event of death or permanent or temporary disability, caused solely and directly from accident. In addition, it also reimburses

medical expenses and provides weekly indemnity benefit for hospitalisation in Malaysian government hospital. The coverage is also extended to accidents arising from assault, murder, riot, hijacking, kidnapping and civil commotion.

The benefits will be payable should any of the following occurs to the life assured which is caused solely and directly from accident:

B1) Accidental Death & Dismemberment Benefit (ADD) Benefit

(B2) Double Indemnity Benefit

(B3) Accidental Total and Permanent Disability (TPD) Benefit

(B4) Additional Death or TPD Benefit (due to Snatch Theft)

(B5) Temporary Total Disability

(B6) Temporary Partial Disability

(B7) Medical Reimbursement

(B8) Hospitalisation in a Government Hospital

(B9) Compassionate Allowance

(B10) Renewal Bonus

Receive Yearly Survival Benefit from Year 10* onwards until maturity

Great Income Enhancer is a limited pay participating endowment plan with guaranteed survival benefit and non-guaranteed cash bonuses. You only need to commit 15 or 20 years of premium payment, while enjoying life protection until age 70 next birthday.

Guaranteed Survival Benefit from Year 10 onwards

Great Income Enhancer ensures that you enjoy a continuous flow of supplementary income. You will receive a yearly guaranteed survival benefit payment from the end of the 10th year onwards with a 15-year premium payment plan or from the end of the 15th year onwards with a 20-year premium payment plan. Here’s an illustration of how your guaranteed survival benefit is paid over time:

Premium Payment Term
Policy Year	*15 Years	20 Years
	% of Basic Sum Assured
1 – 9	-	-
10 – 14	16.5%	-
15 – 19	7.0%	14.0%
20 – 24	4.0%	7.0%
25 – maturity	4.0%	4.0%

Higher Coverage From Year 3 onwards
In the event of unexpected Death or TPD (before age 65 years next birthday), an additional sum assured will be paid out according to the table below, ensuring your loved ones will be able to carry on with added peace of mind:

Policy Year	Additional Sum Assured
	(% of Basic Sum Assured)
1 – 2	-
3 – 4	10%
5 – 6	20%
7 – 8	30%
9 – 10	40%
11 -  maturity	50%

This means, after the 10th Policy Year, the death benefit is 150% of the original Basic Sum Assured.

Yearly Cash Bonus
On top of the guaranteed survival benefit, Great Income Enhancer also provides a yearly non-guaranteed cash bonus which starts from the end of the first policy year. This gives you additional financial resources that will come in handy at a time when you might welcome the extra income.

Maturity Benefit
Upon maturity at age 70 years next birthday, you will receive a lump sum payment that comprises 150% of the original basic sum assured, accumulated survival benefit (if any), accumulated cash bonus (if any), final year survival benefit, and terminal bonus on maturity (if any).

Great Eastern IL LadyCare Riders- From Womanhood to Motherhood

As women, life demands us to juggle multiple roles throughout our lives. At any point, we would need to fulfill our responsibilities as a daughter, sister, wife and mother. With the rising cost of living, many of us also work hard to achieve our career goals so that we can provide a more comfortable life for our families.

Great Eastern provides a choice of two riders,

IL LadyCare Rider
IL LadyCare Advantage Rider

The product is ideal for all women who want protection against female-related illnesses and designed for women who are planning for motherhood, and those who need maternity-related coverage.

It provides the following coverage:

Protection against major female illnesses
IL LadyCare and IL LadyCare Advantage Riders provide you with protection against female-related illnesses, such as cancers to the breast, cervix uteri, ovary, uterus, placenta, fallopian tube, vulva and vagina, even during the early stage.

Up to 130% of protection value
Once you are diagnosed with cancer, the benefits also include surgical procedures related to breast and female internal organs such as uterus, fallopian tube and vagina. The total coverage for cancer and the related surgical procedures is up to 130% of rider's sum assured. (T&C applies)

Assurance during pregnancy
IL LadyCare Advantage Rider not only covers against female-related illnesses and related surgical procedures, but also protects you against maternity-related medical conditions. It covers complications arising in pregnancy and infant medical conditions such as Premature Birth Requiring Neonatal ICU, Down's Syndrome and Cleft Palate.

The first plan in Malaysia that pays at the early stages of critical illness

Smart Early Payout CriticalCare is a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness, not when the illness has become more severe as with most insurance plans.

Early Payout, Finances Saved
When your life threatens to come to a halt, you need to bounce back fast. With early payouts to provide for early treatments, you won’t have to put off your other life plans should a critical illness occur. More importantly, you do not have to be financially burdened. The lump sum paid may be used at your discretion choose to use it for medical treatments or therapy, medication or even to settle financial commitments.

With the advantage of early financial support from Smart Early Payout CriticalCare, you can focus solely on treatment and recovery so that you can get back on your feet again.

Multiple Claims Across Multiple Critical Illnesses
The most thoughtful thing is, Smart Early Payout CriticalCare allows for multiple claims for different critical illnesses or across severity levels within the same critical illness. Furthermore, you will not have to wait in between submission of claims should your condition deteriorate to a more advanced stage.

There are no limits to the number of critical illness conditions that you can claim against, as long as the pre-defined conditions are fulfilled and the sum of claim payouts are within the rider’s sum assured limit.

Note: Terms and conditions apply.

An example of how it works:
A 30-year old male is covered by Smart Early Payout CriticalCare with a sum assured of RM300,000. He is diagnosed with early stage cancer at Severity 25 and he makes a claim. Six months later, he suffers a heart attack at Severity 25 and another claim is made. Two months after the second claim is made, he suffers a heart attack at Severity 50 and makes a claim. Since the three claims did not reach the full sum assured, he will continue to be protected. If his condition deteriorates, he can make further claims on the remaining sum assured.

Added Protection with Unique ‘Buy Back’ Option
Usually, if a critical illness claim is made, it will be difficult to obtain new insurance cover, depriving your loved ones of financial aid should anything unforeseen happen to you.

The good news is, Smart Early Payout CriticalCare comes with a unique ‘Buy Back’ option to give your loved ones the extra financial protection at the time they may need it most. With this option, you can buy back the death benefit from selected insurance plan offered by the Company, up to the maximum sum assured of the rider. This means that you’re still covered even after a full payout of critical illness claims has been made under Smart Early Payout CriticalCare.

Note: Terms and conditions apply. Smart Early Payout CriticalCare is a unit deduction rider attachable to selected regular premium investment-linked insurance plans and must be attached together with Critical Illness Benefit Rider.

Bereavement Benefit upon death of the life assured due to all causes

Great SecureCare is a non-participating term plan that expires at age 80 years next birthday.

Benefits
-Bereavement Benefit
Upon death of the life assured due to all causes, the first RM5,000 of the basic sum assured will be payable upfront as bereavement benefit.
-Death Benefits
Upon death of the life assured, the basic sum assured after deducting the RM5,000 bereavement benefit (‘Balance of Basic Sum Assured”) will be payable as death benefit in one lump sum.
-Total and Permanent Disability (TPD) Benefit
Upon TPD of the life assured before 65 years next birthday, and on confirmation of continuing disability for at least 6 consecutive months.

1. Age at Entry
Minimum : 30 days old attained age
Maximum : 65 years next birthday
*Maximum expiry age is 80 years next birthday.
2. Policy Term
Minimum : 5 years
Maximum : 80 – entry age
3. Sum Assured
Minimum : RM25,000
Maximum : Subject to underwriting

Term Assurance with guaranteed refund of premiums

Presenting Great Prime Life, a term insurance plan designed specially to provide you with affordable life insurance coverage from as low as RM1.12* a day.

Whether you have just begun work, started a young family or a new business, it is important that you and your loved ones are adequately protected against life's uncertainties and risks. And when you are starting out, you want a simple insurance plan that offers flexibility and options to select the type of coverage and amount of protection you need.

Great Prime Life offers you the flexibility to meet your changing needs and many other value-added benefits, allowing you to enjoy life protection while you focus on realising your goals and aspirations in life.

Protection for life and Total and Permanent Disability (TPD)
The basic sum assured will be payable should death or TPD occurred.

Guaranteed 100% premium refund
The plan guarantees that 100% of the total premium paid-to-date will be refunded upon its maturity.

Premium waiver for critical illness
If you should be diagnosed with any of the 36 critical illnesses covered, all future premiums will be waived from the policy anniversary date following the occurrence of the illness.

Other benefits include:
Guaranteed premiums.
Plan conversion flexibility.
Wide choice of policy terms : 15, 20 or 25 years.
Tax benefits.


*Based on male non-smoker aged 20, 25-year term and RM50,000 sum assured.


Note: Terms and conditions apply