Smart Early Payout Critical Care (EPCC)

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

No matter how much we plan for the future, there will always be unexpected events beyond our control, such as the onset of a critical illness. However, with continuous medical advances and emphasis on periodic health screening, early detection of a critical illness is promising and may save your life.

Smart Early Payout CriticalCare is designed with you in mind. It's a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness covered under this plan, not when the illness has become more severe - as with most insurance plans. Smart Early Payout CriticalCare gives you the early payout protection you need so that you can focus on treatment and recovery.

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 percentage of 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 more 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.

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.

An illustration of his claim payouts is as follows:

Claim	Critical Illness & Severity Level	Benefit	Claim Payout	Remaining Sum Assured Under This Coverage
1st Claim	Cancer at Severity 25	25% of Sum Assured, up to maximum of RM50,000 per Life Assured	RM50,000	RM250,000
2nd Claim	Heart Attack at Severity 25	25% of Sum Assured, up to maximum of RM50,000 per Life Assured	RM50,000	RM200,000
3rd Claim	Heart Attack at Severity 50	50% of Sum Assured per Life Assured, less the previous claim for Heart Attack at Severity 25	RM100,000	RM100,000

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 plans 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.

*Terms and conditions apply