GREAT EARLY LIVING CARE

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GREAT EARLY LIVING CARE Financial support when you need it most Great Early Living Care is a comprehensive insurance plan with life and critical illness protection for you and your family. It helps with the expensive treatment during critical times, even during the early detection of a critical illness. To support you, there is no wait between submission of claims and no limits to the number of critical illness conditions you can claim against as long as the pre-defined conditions are fulfilled and the sum of claim payouts are within the basic sum assured limit. This will give you a peace of mind and focus on what's important - your full recovery. Critical illness benefit that provides financial payout at different stages across multiple critical illness This plan offers coverage for critical illnesses of various severity levels where it allows you to make multiple claims for different critical illnesses or across severity levels of the same critical illness. Should you be diagnosed with any of the critical illnesses, you will receive a percentage of the basic sum assured and additional sum assured (if any), depending on the severity of the critical illness, less any payment made earlier under the Critical Illness Benefit for an Early Stage critical illness and/or Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease. In addition, cash bonus (including accumulated cash bonuses), if any; and terminal bonus (if any) will be payable upon occurrence of a critical illness under Advanced stage, Intermediate stage or Early stage provided that there has been a payment made earlier for a different Early stage critical illness under the Critical Illness Benefit. Special Benefit for critical times The coverage you enjoy is enhanced by providing you with Special Benefit payout upon diagnosis of any of the following events, based on a percentage of the basic sum assured as shown in the table below: Event Special Benefit Payout Diabetic Complications i) Surgery for Type 2 Diabetic Retinopathy; or ii) Limb Amputation due to Type 2 Diabetic Complications; or iii) Severe Diabetic Nephropathy resulting in Kidney Failure 20% of the basic sum assured will be payable Cancer Maximum of 60% of the basic sum assured will be payable in aggregate; based on the following provisions: Early Stage - 10% of the basic sum assured Intermediate Stage - 35% of the basic sum assured Advanced Stage - 60% of the basic sum assured End Stage Liver Failure No claim reward for being healthy Great Early Living Care also rewards you for your good health. If no claim was made by the end of your premium payment term, you will be paid in one lump sum, a one-time no claim reward of 25% of the basic sum assured, which does not reduce the basic sum assured of the plan. Additional sum assured for better security For even better financial security, the basic sum assured is guaranteed to increase incrementally from the 2nd policy year onwards up to 180% of the initial basic sum assured. This is payable upon death or TPD, or upon occurrence of a critical illness, whichever occurs first, based on a percentage of the basic sum assured as shown in the table below: Policy Year Additional Sum Assured (% of Basic Sum Assured) 1 0% 2 - 3 10% 4 - 5 20% 6 - 7 30% 8 - 9 40% 10 - 11 50% 12 - 13 60% 14 - 15 70% 16 onwards 80% Limited premium payment term No matter what age you start your policy at, you only need to pay premium for 20 years. This limited premium payment term will assist in meeting your financial commitments while providing you protection up to age 87 years next birthday. Other benefits include: Death or Total and Permanent Disability (TPD) benefit Accidental death benefit Maturity benefit