Generally, the 36 critical illnesses covered are:
- Stroke
- Cancer
- Heart Attack
- Coronary Artery Disease Requiring Surgery
- Other Serious Coronary Artery Disease
- Angioplasty Or Other Invasive Treatments For Coronary Artery Disease
- Heart Valve Replacement
- Fulminant Viral Hepatitis
- Chronic Liver Disease
- Primary Pulmonary Arterial Hypertension
- Chronic Lung Disease
- Kidney Failure
- Surgery To Aorta
- Aplastic Anaemia
- Major Organ Transplant
- Blindness
- Loss Of Hearing / Deafness
- Loss Of Speech
- Coma
- Major Burns
- Multiple Sclerosis
- Paralysis / Paraplegia
- Muscular Dystrophy
- Alzheimer's Disease / Irreversible Organic Degenerative Brain Disorders
- Motor Neurone Disease
- Parkinson's Disease
- Terminal Illness
- Encephalitis
- Benign Brain Tumor
- Major Head Trauma
- Bacterial Meningitis
- Poliomyelitis
- Apallic Syndrome
- Loss Of Independent Existence
- Aids Due To Blood Transfusion
- Cardiomyopathy
- For critical illness no. 6, only 10 % of the sum assured, subject to a maximum of RM 25,000 shall be payable (limited to only 1 payment). The remaining balance of the sum assured will remain in force.
- Critical illnesses no. 24, 26 and 34 are covered up to the age of 65 of an insured.
- The waiting period for critical illnesses no. 2, 3, 4, 5, 6, 7, 13, 29 and 36 is 60 days. For the other 27 critical illnesses, the waiting period is 30 days. For a male or female cancer, the waiting period is 120 days.
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May i know whether the breast cancer and cervical cancer are listed one of the 36 critical illnesses covered by the insurance as well? i am referring to this website below and it is said that these female cancers are not covered.
ReplyDeletehttp://kclau.com/insurance/definition-of-36-critical-illnesses-or-dread-diseases-in-insurance-policy/
Hi, Cammy.
ReplyDeleteYour question is very hard to answer as I am not a doctor. Female cancer is a very complicated subject.
But, generally, according to an e-book (36 Critical Illnesses Explained: Second Edition) written by Yow Chuan (www.meshio.com), the phrase "Carcinoma in situ" refers to cancer that involves only the place in which it began and has not spread. Carcinoma in situ is an early-stage tumor. The term "in situ" (borrowed from the Romans) means "in the natural or normal place". In the case of a cancer, it means that the tumor cells are still confined to the site where they originated and have neither invaded neighboring tissues nor metastasized afar. The tumor is curable.
In other words, based on the explanation above, early-stage female cancers are NOT covered by a 36 critical illnesses plan generally. For more SERIOUS cases of female cancers, they are covered as a cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which a major interventionist treatment or surgery is considered necessary.
If you are still worried that your 36 critical illnesses plan doesn't cover female cancers, you can buy an insurance plan that is specially designed to cover female cancers and other female-related critical illnesses which are not covered in a 36 critical illnesses plan. Seldom agent will sell this product as it is very difficult to explain as female cancer is very complex.
I hope my explanation does help you...
To break the contract before it ends, can I get my money back for AIA 36 illnesses policy?
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