Smart Early Payout Criticalcare

Smart Early Payout CriticalCareSmart Early Payout CriticalCare

Unexpected events may happen in our daily life and sometimes are beyond our control, such as the onset of a critical illness. For that reason, early detection of a critical illness with continuous medical advances and emphasis on periodic health screening may save one’s life. Unfortunately, most of the critical illness plans are created only kick-in when an illness is at an advance stage.

Smart Early Payout CriticalCare is the first plan in Malaysia that pays at the early stages of critical illness. It's a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness covered under this plan and not when the illness has become more severe. Most importantly, it gives early payout protection so one can fully concentrate on the treatment and the recovery process.

In term of finances saving, with Smart Early Payout CriticalCare, early treatment prevents the put off of the other life plans due to the illness at an advanced stage. None the less, it relaxes one from being financially burdened. The percentage of the lump sum paid may be used for medical treatments or therapy, medication or even to settle financial commitments.

Another advantage of Smart Early Payout CriticalCare is it allows for multiple claims for different critical illness or across severity levels within the same critical illness, for instance, should complications arise from the initial condition. In addition, it saves the time to wait in between submission of claims that may cause the deterioration of an illness. Moreover, there are no limits to the number of critical illness conditions that you can claim against as long as the pre-defined conditions are fulfilled and the sum of claim payouts are within the rider’s sum assured limit.

Besides that, Smart Early Payout CriticalCare offers a unique ‘Buy Back’ option to provide the extra financial protection at a very crucial time. As oppose to most of the...