Asuransi Early Dread Disease Care

This supplementary product (rider) allows you to claim against 108 medical conditions of 50 dread diseases which are classified into four stages: Early, Medium, Advanced, and Critical Stage.

Coverage Highlights

Early Dread Disease Care Insurance

  • Provides direct access to medical care before a critical illness becomes more severe
  • Insured gets financial support from the onset of illness
  • Flexibility of up to three claims on various stages of illness
  • Peace of mind to focus on the recovery process

Product details

  • This rider is applicable for the insured from 6 years old to 70 years old. The insurance can be provided until the insured turns 90 years old.
  • This rider can be added to the basic policy of regular unit-linked product
  • This product offers protection against dread disease from the early stage to allow earlier claims
  • Provides additional benefits for dread diseases in Critical Stage
  • Only one claim is allowed for each stage. Each claim paid will deduct the remaining sum of benefits and the protection will continue until 120% of the Sum Insured has been paid.
  • Reimbursement Claim System (Reimbursement of medical treatment for the amount received as claim)
  • The benefits will be paid based on the percentage (%) of the Sum Insured depending on the stage of the critical illness, as shown below: 

Stage of Severity

Percentage of the Sum Insured

Number of Critical Illness

Early Stage

50%

31

Medium Stage

100%*

 

22

Advanced Stage

50

Critical Stage

20% (additional)

5

Total

120%

108

 

*) If the first claim was made during the Early Stage, the percentage of the Sum Insured will be reduced from 100% to 50%.

 **) Terms and conditions of the Stage of Severity, refer to the policy provisions.

Example Scenarios

Stage of Severity

Scenario 1

Scenario 2

Scenario 3

Scenario 4

Early Stage

First Claim 50%

First Claim 50%

Medium Stage

Second Claim 50%

First Claim 100%

Advanced Stage

Second Claim 50%

First Claim 100%

Critical Stage

Third Claim 20%

Third Claim 20%

Second Claim 50%

Second Claim 50%

Information presented is not intended to be binding. Please always refer to terms and conditions in the policy.  

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