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. 

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.