Great Early Triple Care
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- Alexia Kelly
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1 Health Protection Great Early Triple Care Empower yourself to face life s challenges Memperkasakan diri anda bagi menghadapi cabaran hidup
2 Benefits at a glance Empower yourself to face life s challenges Being diagnosed with cancer, heart attack or stroke does not just affect your health, it also has serious ramifications for the finances as well as emotional wellbeing of you and your loved ones. Great Early Triple Care is a comprehensive plan which helps to ensure you are adequately protected should you ever be diagnosed with any of these life-changing illnesses. It helps to ensure you receive the early diagnosis and medical treatment that are crucial to getting well again. Just as importantly, Great Early Triple Care reduces your loved ones or your ensuing financial burden, so you can focus on what s most important recovery. Because being able to make the most of each day with those you care for is the most critical thing in life. 300% X2 ClaiMS Critical Illness Benefit up to 300% of Basic Sum Assured Up to two claims for early or intermediate stage Death Benefit Maturity Benefit
3 300% Critical Illness Benefit up to 300% of Basic Sum Assured Great Early Triple Care provides comprehensive coverage against cancer, heart attack and stroke from the early stage right up to the advanced stage. If you are diagnosed with any of these illnesses, you will receive the payout as stated in the table below in one lump sum to reduce your family s financial burden and help you focus on getting well again. The amount payable depends on the stage of the critical illness: Death Benefit Should death occur, your loved ones will receive the total premiums paid or cash value of the plan, whichever is higher, in one lump sum. Critical Illness Early or Intermediate Advanced Payout 100% of Basic Sum Assured 300% of Basic Sum Assured or Total Premium Paid, whichever is higher, less any prior claims. Maturity Benefit Once the policy matures on the policy anniversary on which you turn 80 years old next birthday, you will receive 100% of the Basic Sum Assured or total premium paid, whichever is higher. X2 ClaiMS Up to two claims for early or intermediate stage Early diagnosis and treatment are crucial when it comes to cancer, heart attack and stroke. To ensure you are well protected against any eventuality, you will be pleased to know you can make up to two claims from different critical illness categories.
4 Summary Table of Benefits No. Benefits Payout 1 Critical Illness Benefit Early or Intermediate Advanced 100% PAYOUT 300% PAYOUT 100% of Basic Sum Assured, up to 2 claims from different critical illness categories 300% of Basic Sum Assured or total premium paid, whichever is higher, less any prior claims 5. The benefits payable in respect of any claim made for advanced stage critical illness, shall be subject to the deduction of any previous claim paid for the early stage and/ or intermediate stage critical illness. 6. The policy shall terminate once a claim for advanced stage critical illness has been admitted. 7. If there is/are any claims that has/have been paid for early and/or intermediate stage critical illness, the cash value will be reduced by 1/3 for each claim. 2 Death Benefit Total premium paid or cash value, whichever is higher 3 Maturity Benefit 100% PAYOUT 100% of Basic Sum Assured or total premium paid, whichever is higher Note: 1. Premium shall remain the same upon a claim on early stage or intermediate stage critical illness benefit. 2. A one year waiting period is applicable between i) an early stage heart attack or intermediate stage heart attack, and an intermediate stage stroke; ii) an intermediate stage stroke, and an early stage heart attack or intermediate stage heart attack. 3. If the early stage and/or intermediate stage critical illness is/ are on the same date as the advanced stage critical illness, only the advanced stage critical illness benefit will be payable. 4. If there is more than one advanced stage critical illness on the same date, only one of the advanced stage critical illness benefits will be payable.
5 Examples of how it works: Scenario 1: Scenario 2: GETC 2018 A 30-year old non-smoker male buys Great Early Triple Care with Basic Sum Assured of RM100,000. GETC 2018 A 30-year old non-smoker male buys Great Early Triple Care with Basic Sum Assured of RM100,000. EARLY STAGE EARLY STAGE 2019 He is diagnosed with early stage cancer and receives 100% of his Basic Sum Assured, i.e. RM100,000. Heart Attack 2019 He is diagnosed with early stage heart attack and receives 100% of his Basic Sum Assured, i.e. RM100,000. INTERMEDIATE STAGE INTERMEDIATE STAGE Heart Attack 2020 He is diagnosed with intermediate stage heart attack and receives 100% of his Basic Sum Assured, i.e. RM100,000. Stroke 2020 He is diagnosed with intermediate stage stroke and receives 100% of his Basic Sum Assured, i.e. RM100,000. ADVANCED STAGE Heart Attack 2021 He is diagnosed with advanced stage heart attack and 300% of the Basic Sum Assured is higher than the total premium paid. The benefit payable is 300% of his Basic Sum Assured minus the previous 2 claims, i.e. 200% of his Basic Sum Assured. Therefore, he receives 100% of his Basic Sum Assured, i.e. RM100,000. His policy is terminated thereafter No further claim is made by him until his policy matures. The total premium paid is higher than the Basic Sum Assured. Therefore, he receives the refund of his total premium paid, i.e. RM104,500. His policy is terminated thereafter. TOTAL PAYOUT Early Benefit: RM100,000 Intermediate Heart Attack Benefit: RM100,000 Advanced Heart Attack Benefit: RM100,000 RM300,000 Total Payout TOTAL PAYOUT Early Heart Attack Benefit: RM100,000 Intermediate Stroke Benefit: RM100,000 Maturity Benefit: RM104,500 RM304,500 Total Payout
6 Frequently Asked Questions Q: Who can apply? A: The minimum entry age is 30 days attained age and the maximum entry age is 60 years next birthday. Q: How much Sum Assured can I purchase? A: Minimum Maximum 30 days attained age to 60 age next birthday 30 days attained age to 45 age next birthday 46 age next birthday to 60 age next birthday Sum Assured RM50,000 RM500,000 RM300,000 Q: What are some of the exclusions under the plan? A: i) Death Death during the first policy year from the risk commencement date or from the date of any reinstatement of the policy, whichever is later, as a result of suicide, while sane or insane. ii) Critical Illness The Company will not be liable for any critical illness benefit under this plan if the conditions associated with critical illness: have existed prior to the risk commencement date or prior to the date of any reinstatement, whichever is later. have occurred to the life assured for which any conditions existed or was diagnosed during the waiting period of 30 days or 60 days (depending on the stage and type of critical illness), from the risk commencement date or from the date of any reinstatement of the policy, whichever is later. were caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immuno-deficiency Virus (HIV) infection. The Company reserves the right to require the life assured to undergo a blood test for HIV as a condition precedent to acceptance of any claim. For the purpose of this plan, infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the Company s opinion either the presence of any HIV or antibodies to such a virus. are caused directly or indirectly by self-inflicted injuries, while sane or insane. resulted from the life assured committing, attempting or provoking an assault or a felony or from any violation of the law by the life assured. were diagnosed due to, directly or indirectly, a congenital defect or disease, which was manifested or was diagnosed before the life assured attains the age of 17 years next birthday. resulted directly from alcohol or drug abuse in relation to any early stage and intermediate stage critical illness. The Company will not be liable for any critical illness benefit under this plan if: the life assured did not survive for at least 7 days after the occurrence of a critical illness under the heart attack and stroke critical illnesses categories. the occurrence of an early stage heart attack or intermediate stage heart attack is within 1 year after the occurrence of an intermediate stage stroke. the occurrence of an intermediate stage stroke is within 1 year after the occurrence of an early stage heart attack or intermediate stage heart attack. The exclusions highlighted here are not exhaustive. Full details are available in the policy document. Q: How do I pay my premiums? A: You can pay by credit card, banker s order, internet banking, auto debit, cheque or cash. You have the flexibility to pay your premium annually, half-yearly, quarterly or monthly (by credit card, banker s order, internet banking or auto debit). Q: Will I be entitled to tax benefits? A: Benefits received from Great Early Triple Care are generally non-taxable and premiums paid may qualify for tax relief. However, tax benefits are subject to the Malaysian Income Tax Act, 1967, and final decision of the Inland Revenue Board.
7 List of Critical Illnesses Covered under this plan No. Critical Illness Category Early 1 i) Carcinoma in situ (CIS) ii) Early Prostate iii) Early Thyroid iv) Early Bladder v) Early Chronic Lymphocytic Leukaemia 2 Heart Attack i) Cardiac Pacemaker Insertion ii) Less Severe Heart Attack Critical Illness Intermediate i) Mastectomy for CIS Breast ii) Prostatectomy for Early Prostate Cardiac Defibrillator Insertion Advanced Heart Attack Annual Premium Rate Table Age Next Birthday Per RM1,000 Sum Assured (RM) Male Female Stroke Nil Carotid Artery Surgery Stroke
8 Annual Premium Rate Table (Cont d) Age Next Birthday Per RM1,000 Sum Assured (RM) Male Female Age Next Birthday Per RM1,000 Sum Assured (RM) Male Female The premium rates are non-guaranteed and may be revised from time to time. Upward revision of premium rates, if any, will be done on your policy anniversary and the Company will notify you in writing at least three months before the revision takes place. The revision, if any, will aim to reflect our claim experience or other justified circumstances. Such changes will be applicable to all policy owners regardless of their individual claims experience.
9 Important Notices Great Early Triple Care is a non-participating plan that provides coverage against, Heart Attack and Stroke across different stages: Early, Intermediate and Advanced. Premiums are payable up to age 80 years next birthday or until a claim has been made on advanced stage critical illness or until death, whichever occurs first. The plan will mature at the policy anniversary on which the life assured s age is 80 years next birthday. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the plan. If the policy is returned to the Company during this period, the full premium would be refunded to the policy owner minus the expenses incurred for medical examination, if any. If you switch your policy from one company to another or if you exchange your current policy with another policy within the same company, 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 the policy switching or replacement. If there is any discrepancy between the English, Bahasa Malaysia and Chinese versions of this brochure, the English version shall prevail. The terms Great Eastern Life and the Company shall refer to Great Eastern Life Assurance (Malaysia) Berhad. For more information, please contact your friendly Great Eastern Life Planning Advisor or Customer Service Careline at The policy may not have a guaranteed minimum cash value on termination until after you have paid premiums for two years. If you surrender your policy early you may get back less than the amount you have paid. If you stop paying premiums before the end of the premium payment term, an automatic premium loan will be effected under your policy to pay future premiums so long as the cash value is more than the total indebtedness. Cessation of premium payment before the end of the premium payment term may lead to early termination of coverage. This brochure is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Product Disclosure Sheet, consumer education booklet on Medical and Health Insurance products (MHI) and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of the benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life. HEAD OFFICE / IBU PEJABAT / 总公司 Great Eastern Life Assurance (Malaysia) Berhad (93745-A) Menara Great Eastern, 303 Jalan Ampang, Kuala Lumpur wecare-my@greateasternlife.com
10 BRANCH OFFICES / PEJABAT CAWANGAN / Alor Setar 66 & 68, Jalan Teluk Wan Jah Alor Setar, Kedah Tel: Fax: Batu Pahat 109, Jalan Rahmat Batu Pahat, Johor Tel: Fax: Bintulu No. 313, Lot 3956, Phase 4 Bintulu Parkcity Commerce Square Jalan Tun Ahmad Zaidi / Jalan Tanjung Batu Bintulu, Sarawak Tel: Fax: Ipoh Wisma Great Eastern 16, Persiaran Tugu, Greentown Ave Ipoh, Perak Tel: Fax: Johor Bahru 10 th Floor, Menara Pelangi Jalan Kuning, Taman Pelangi Johor Bahru, Johor Tel: Fax: Klang No. 8 & 10, Jalan Tiara 2A Bandar Baru Klang Klang, Selangor Tel: Fax: Kluang No. 22 & 24 Jalan Md Lazim Saim Kluang, Johor Tel: Fax: Kota Bharu No. S25/5252-T & U Jalan Sultan Yahya Petra Kota Bharu, Kelantan Tel: Fax: Kota Kinabalu Wisma Great Eastern Level 4 & 5, No. 65 Jalan Gaya Kota Kinabalu, Sabah Tel: Fax: Kuala Terengganu 2 nd Floor, 6F Bangunan Persatuan Hin Ann Jalan Air Jernih, Kuala Terengganu, Terengganu Tel: Fax: Kuantan A25, Jalan Dato Lim Hoe Lek Kuantan, Pahang Tel: Fax: Kuching House No. 51, Lot 435 Section 54, KTLD Travilion Commercial Centre Jalan Padungan Kuching, Sarawak Tel: Fax: Lahad Datu Ground & 1 st Floor MDLD 3804, Lot 66 Fajar Centre, Jalan Segama Lahad Datu, Sabah Tel: Fax: Melaka No. 23, Jalan PM 15 Plaza Mahkota Melaka Tel: Fax: Miri Lots 1260 & 1261 Block 10, M.C.L.D, Jalan Melayu Miri, Sarawak Tel: Fax: Penang 25, Light Street Penang Tel: Fax: Sandakan Lot 5 & 6, Block 40 Lorong Indah 15 Bandar Indah, Phase 7 Mile 4, North Road Sandakan, Sabah Tel: Fax: Seremban 101 & 103, Jalan Yam Tuan Seremban Negeri Sembilan Tel: Fax: Sibu No. 10 A-F Wisma Great Eastern Persiaran Brooke Sibu, Sarawak Tel: Fax: Taiping 133A, Jalan Barrack Taiping, Perak Tel: Fax: Tawau Ground Floor Wisma Great Eastern Jalan Billian Tawau, Sabah Tel: Fax: MCM/GETC/V1/11/17 Great Eastern Life Assurance (Malaysia) Berhad (93745-A) is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia. For the latest contact details, please refer to the Company s website. Great Eastern Life Assurance (Malaysia) Berhad (93745-A) dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia. Untuk maklumat lanjut, sila layari laman sesawang Syarikat. 大东方人寿保险 ( 马来西亚 ) 有限公司 (93745-A) 在 2013 年金融服务法令下获得执照并由马来西亚国家银行管制 有关最新通讯资料, 请浏览本公司网页
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