When you get ill or injured and have to be hospitalized, the company will pay indemnity for the benefit amount per day according to the sum assured for the number of days staying in the hospital as in-patient up to a maximum of 365 days per each injury or illness event.

This rider covers both injury and illness conditions as stated in policy contract. The company will pay a lump sum benefit equal to sum assured following plan conditions (read details about critical illness 50 plan).

1. 5 critical illness conditions: company will pay 25% of sum assured for 5 critical illness conditions (see the list). This benefit will be paid only once during the contract period. After that, the coverage will be reduced to 75% of total sum assured on the next policy years.
2. 45 critical illness conditions: company will provide 100% of sum assured for 45 critical illness conditions as in policy contract (see the list). If insured has never received the benefit in item no. 1, the insured will be protected with 100% of sum assured. Or else, 75% of total sum assured will be given. In addition, the rider contract will be terminated, when 100% of sum assured are paid to the insured.

During policy inforce, if insured encounters with an accident and that causes the death within 180 days after the incident, the company will pay insurance benefit to the beneficiary. 

In case of becoming permanently disabled, the company will waive premium payment for the basic life insurance to which this rider is attached. The disability must occur before the insured age 60 years old and the disability condition must continue for at least 6 months. The insurance benefit will last until the insured recovers from such disability. In addition, the waiver of premium will not decrease cash value of the policy.

• Applicable insured age is between 16 and 55 years old.
• It is limited one package per person only.
• Rider type and coverage amount in the packages are all fixed and cannot be changed.