i-Additional Lifetime & i-Lifetime Critical Illness Term Rider

The riders that protect your critical needs for a lifetime

Critical illness may strike at any time and often catches us off guard. It is like a living nightmare we can’t get rid of. If one day you befell with these illnesses, can you afford the best early treatment for recovery? How would your current lifestyle be impacted? You need to put into consideration that despite having good medical protection, there are still expenses that most medical plans don’t cover when it comes to this type of illness.

Hence, it is advisable to arm yourself and your children with extra protection by attaching a rider provided by Great Eastern Takaful to not only your basic Takaful plan but also your children too. With our i-Lifetime Critical Illness Benefit Term Rider and i-Early Lifetime Critical Illness Benefit Term Rider, you will have access to the funds you need to seek early treatment for better chance of recovery and to cope with unexpected changes in your lifestyle because it's a plan that protects your critical needs for a lifetime that complement your basic Takaful plan.

With a very affordable amount added to your basic Takaful plan, these riders will help you and your children when the time comes. Your basic Takaful plan will help you at the hour of need, but the riders will ensure that you receive a lump sum benefit upon diagnosis of the covered illnesses.

These riders will help alleviate your financial worries so that you and your children can focus more on recuperation and recovery when the tragedy strikes. With our protection, you will be able to lead your life without fear of the unforeseeable future. Because whatever it may be, we’ve got you covered for a lifetime!

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Key benefits

56 critical illness coverage for child and adult in one plan

Enjoy the widest critical illness coverage for child and adult under one single plan. Please see the list of 56 critical illnesses here.

Coverage of up to 5x Basic Sum Covered

Protect yourself, spouse and beloved children against critical illness and receive coverage of up to 5 times Basic Sum Covered or RM5 million!

2 options of claims payout

Get ADDITIONAL claim payout on top of the basic plan's Sum Covered. Hence, your basic coverage will still continue to be in force.

Benefits at a glance

i-Additional Lifetime Critical Illness Term Rider

Coverage of up to 5 times Basic Sum Covered or RM5 million
Coverage against 11 Child Specific Critical Illness and 45 Adult Critical Illness
ADDITIONAL claim payout on top of the basic plan Sum Covered. Hence, your basic coverage will still continue to be in force.

i-Lifetime Critical Illness Term Rider

Coverage up to Basic Sum Covered or RM5 million, whichever is lower
Coverage against 11 Child Specific Critical Illness and 45 Adult Critical Illness
The claim payout will REDUCE the Sum Covered of the Basic Plan

How these riders work

Notes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern Takaful Advisor.

Important notices

i-Additional Lifetime Critical Illness Term Rider and i-Lifetime Critical Illness Term Rider are regular contribution paying Medical and Health Takaful riders attachable to selected regular contribution Term Family Takaful Plans that provide coverage in the event of Critical Illness.
Both i-Additional Lifetime Critical Illness Term Rider and i-Lifetime Critical Illness Term Rider can be attached together or singly.
Age refers to age next birthday.
You should satisfy yourself that these riders will best serve your needs and that the contribution payable until the end of the Certificate term is an amount you can afford.
You may stop paying contributions and still enjoy protection as long as there are sufficient amount of money in the Participant’s Individual Account to pay for the Tabarru’, where applicable. However, there is a possibility of Certificate lapsing when the required charges, including Tabarru’, exceed the money available in Participant’s Individual Account. Participating in too many riders or choosing high protection levels may deplete the cash values. Depending on the fund's performance, the Participant's Individual Account value may decrease and the certificate may potentially lapse.
When riders are terminated or laid-off or upon rider expiry date, no benefit will be paid from the Tabarru Fund.
A “Free-Look Period” of 15 days from the delivery date of the Certificate is given for you to review the suitability of these Medical and Health Takaful riders. If the Certificate is returned to us during this period, we shall refund an amount equal to the amount of contributions paid minus medical expenses (if any).
If you switch your rider from one Takaful Operator to another or if you exchange your rider with basic plan, or vice versa, within the same Takaful Operator, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of switching or replacement.

Disclaimers

i-Additional Lifetime & i-Lifetime Critical Illness Term Rider | Critical Illness Benefit Term Rider