My MultiPay Critical Illness Plan IV

All ages mentioned refer to age next birthday. 

1. Source: The Straits Times © Singapore Press Holdings Limited. Extracted with permission. “Breast cancer: Understanding the most common cancer for women in Singapore”, 6 August 2016.

2. Source: Stroke: Controlling Risk Factors, Health Hub, retrieved on 14 July 2020 from https://www.healthhub.sg/a-z/medical-and-care-facilities/66/stroke-controllable-risks.

3. Source: The Straits Times © Singapore Press Holdings Limited. Extracted with permission. “Singapore team finds way to spot cancer early”, 21 March 2015.

4. You may exercise the Advance Care Option if the Life Assured is diagnosed with any one of the eligible Severe Stage Critical Illnesses specified under this option and the claim is the first Severe Stage Critical Illness Benefit claim made under the Critical Illness Benefit. If this option is exercised and your claim is admitted, an additional 100% of the Sum Assured will be payable in one lump sum on top of the Severe Stage Critical Illness Benefit claim payable under the Critical Illness Benefit, and the Recurrent Critical Illness Benefit shall cease. Survival period is applicable to this option. Please refer to the Product Summary for more details on the terms and conditions for Advance Care Option.

The eligible Severe Stage Critical Illnesses for Advance Care Option are:

• Major Cancer
• Heart Attack of Specified Severity
• Stroke with Permanent Neurological Deficit
• Open Chest Heart Valve Surgery
• Major Organ/ Bone Marrow Transplantation
• Coronary Artery By-pass Surgery

5. Only one claim is allowed under this benefit. This benefit shall cease on the date on which a claim is made, on the Policy Anniversary in which the Life Assured is 85 years old or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions including the list of specified organs covered and the definitions of Benign Tumour (suspected malignancy) requiring surgical excision and Borderline Malignant Tumour.

6. Only one claim is allowed under this benefit. The Intensive Care Unit (ICU) stay of 4 days or more must be in one hospital admission in Singapore and must be confirmed as Necessary Medical Treatment. A stay in ICU will not be considered as Necessary Medical Treatment if the Life Assured can be safely and adequately treated in any other facility. This benefit shall cease on the date on which a claim is made, on the Policy Anniversary in which the Life Assured is 85 years old, or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

7. If the Life Assured is diagnosed with any one of the conditions covered, an additional 20% of the Sum Assured will be payable, capped at S$25,000 (or equivalent currency) per life per condition. Only one payout is allowed per condition and a maximum of six claims is allowed under this benefit. This benefit shall cease on the date on which the sixth claim is made, on the Policy Anniversary in which the Life Assured is 85 years old, or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable to this benefit. Please refer to the Product Summary for the list of conditions covered and more details on the benefit terms and conditions.

8. Critical Illness Benefit consists of Early and Intermediate Stage Critical Illness Benefit and Severe Stage Critical Illness Benefit. When 300% of the Sum Assured or more is paid under the Critical Illness Benefit, all future premiums for the Policy will be waived. The total amount payable under Critical Illness Benefit shall not exceed 600% of the Sum Assured. This benefit shall cease once 600% of the Sum Assured is fully paid out. Please refer to the Product Summary for the complete list of early, intermediate and severe stage critical illnesses covered in this plan.

9. If the Life Assured is diagnosed with any one of the Early or Intermediate Stage Critical Illnesses covered, 100% of the Sum Assured will be payable in one lump sum. Only one claim is allowed for the Early and Intermediate Stage of each CI Group covered. The payout of Early and Intermediate Stage Critical Illness Benefit is subject to the total amount payable under Critical Illness Benefit. This benefit shall cease once the Critical Illness Benefit is terminated. Waiting periods and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

10. If the Life Assured is diagnosed with any one of the Severe Stage Critical Illnesses covered, 300% of the Sum Assured less any claim paid for the Early and Intermediate Stage of the same CI Group will be payable in one lump sum. Only one claim is allowed for the Severe Stage of each CI Group covered. The payout of Severe Stage Critical Illness Benefit is subject to the total amount payable under Critical Illness Benefit. This benefit shall cease once the Critical Illness Benefit is terminated. Waiting periods and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

11. If the Life Assured is diagnosed with (i) any one of the specified Severe Stage Critical Illnesses covered under this benefit, provided that the Critical Illness Benefit has ceased; or (ii) any one of the Recurrent Critical Illnesses covered under this benefit, 150% of the Sum Assured will be payable in one lump sum. A maximum of two claims is allowed under this benefit and the total amount payable under Recurrent Critical Illness Benefit shall not exceed 300% of the Sum Assured. This benefit shall cease once 300% of the Sum Assured is fully paid out or when the Advance Care Option is successfully exercised under the Policy, whichever is earlier. Waiting periods and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

12. If your coverage amount is not in Singapore dollars, any benefit limit stated in Singapore dollars will be converted to the equivalent amount in your chosen currency, based on our currency conversion rate.