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ING PREMIER CRITICAL COVER

Critical Illnesses Insurance

INITIAL DEATH BENEFIT
TOTAL AND PARMANENT DISABILITY (TPD) ON IPCC
The sum insured of the basic plan shall be paid out in the event the insured becomes totally and permanently disabled before policy anniversary nearest to the insured’s 65th birthday.

INITIAL TPD BENEFIT (in one lump sum)
INITIAL BENEFIT UPON DIAGNOSIS OF CRITICAL ILLNESS:
*For Angioplasty, 10% of SA will be payable for the first incident. The balance of the sum assured will be paid upon occurrence of disability, death or diagnosis of any of the remaining 35 critical illness.

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ENGLISH

BAHASA MALAYSIA

CHINESE

ADDITIONAL BENEFIT
Additional sum insured is payable upon diagnosis of Critical Illness, TPD or death of the Life Insured depending on completed policy years as below:

Upon Critical Illness claims (expect for Angioplasty And Other Invasive Treatments Artery Disease), this amount will be payable on death after a survival period of at least thirty days after diagnosis of Critical Illness and before the original maturity date of the policy.

EXCLUSIONS/LIMITATIONS OF COVERAGE FOR ING PREMIER CRITICAL COVER (IPCC)

A. There will be no coverage for:

1. Suicide within one (1) year from the Date of Issue or Date of Reinstatement of the Policy, whichever is later.

2. Critical Illness

i) disease (s) resulting from acquired Immuno Deficiency Syndrome (AIDS), AIDS – related complex or infection by Human Immuno Deficiency Virus (HIV) unless the condition of the disease or infection arose as a result of blood transfusion in accordance with the critical illness definitions of the policy.

ii) Pre – existing Illness which existed before the Policy Date of Reinstatement of the policy, where pre – existed Illness shall mean disabilities that the Life Insured has reasonable knowledge of. A Life Insured may be considered to have reasonable knowledge of a pre – existing condition where the condition is one for which:-

1. The Life Insured had received or is receiving treatment; or
2. Medical advice, diagnosis, care or treatment has been recommended; or
3. Clear and distinct symptoms are or were evident; or
4. Its existence would have been apparent to a reasonable person in the circumstances.

iii)Angioplasty, cancer, coronary artherectomy, heart attack, other serious coronary artery disease and/or surgery for coronary arterial disease occurring within sixty (60) days after the Policy Date or Date of Reinstatement of the Policy.

iv) Diseases other than those specified in 2 (iii) above occurring within thirty (30) days after the Policy Date of Reinstatement of the Policy.

v) Critical Illness claim/s resulting directly or indirectly from any Congenital Conditions for lives with age of entry of two (2) years or less where such disorder is known to the Policy Owner. Congenital Conditions shall mean any medical or physical abnormalities existing at the time of birth as well as neo – natal physical abnormalities developing within 6 months from the time of birth. They will include hernias of all types and epilepsy except when caused by a trauma which occurred after the date that the insured was continuously covered under this Policy.

vi) Critical Illness resulting from all or any self – inflicted injury while sane or insane.

3. Total and Permanent Disability resulting from

i) Travel or flight in or on any type of aircraft expect on a regular scheduled         passenger flight of a commercial aircraft.

ii)Any activities of a military nature whilst being engaged in military service.

iii)All or any self – inflicted injury while sane or insane.

B. The aggregate amount of sum insured issued by the Company under this policy and all polices providing for similar critical illness coverage on the same life shall not exceed RM1,000,000.00.

C. Sum Insured for child below the age of four (4) years is reduced upon death, TPD or diagnosis of any of the Critical Illness or actual undergoing of Surgery covered by this policy of the child. The sum insured payable will be according to the table below:

PLEASE NOTE:

1. IPCC is open to anyone from 30 days old to 60 years old subject to underwriting.
2. Premiums are payable throughout the policy term on a yearly, half – yearly, quarterly or monthly basis depending on your payment choice.
3. Premiums are based on your entry age and are guaranteed level throughout the policy term.
4. A policy terminated within the first three policy years will not have any cash value. If you terminate your policy in the early years, you may get back less than the amount you have paid in.
5. You should satisfy yourself that the plan will best serve your needs and that the premium payable under the policy is an amount that you can afford.
6. If you cease paying premiums, any accumulated cash dividends will be utilized to pay future premiums and this may shorten your coverage period.
7. Within fifteen (15) days from the date the policy is delivered to you, you are free to review the policy and cancel the policy without assigning any reason. ING will refund all the premiums already paid less any expenses incurred for medical examination (if any).
8. You may refer to the booklet ‘The Introduction to Medical and Health Insurance Products’ issued by Bank Negara Malaysia for more information on medical and health plans.
9. For a guide on what to consider before buying this plan, you may request for a copy of the medical and Health Insurance (MHI) Information Checklist from your ING agent.
10. The benefits and features described above have been summarised and are not exhaustive. Please refer to the policy contract for detailed benefits, exclusions and terms and conditions.
11. It may not be advantageous to switch from one MHI plan to another, as you may be subject to new underwriting requirements, full waiting period and any applicable period for the exclusion of specified illness/pre – existing conditions of the new policy.
12. In the event of any inconsistency, the English version of this illustration shall prevail all other versions. And any inconsistency you shall refer to the original policy contract issued by insurance underwritten company. Sources from ING quotation systerm 4.0 May 1, 2007