MCIS Life MCIS Life

Stay Protected with MyCritical Cover

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The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).
MyCritical Cover

Stay Protected with MyCritical Cover

Buy Now Download Brochure
The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).

Essential critical illness coverage made affordable.

Life is full of uncertainties, and none of us are immune to the unexpected challenges it may throw our way. Critical illnesses can strike without warning, leaving us vulnerable and in need of proper medical care. Unfortunately, many Malaysians find themselves either without any protection against critical illnesses or with insufficient coverage to cope with the financial burdens that come with them. At MCIS Life, we are committed to changing this perception for the better.

Affordable Protection for Life's Unpredictabilities

Introducing MyCritical Cover, your gateway to simple and affordable critical illness protection. Our plan has been designed to provide coverage for four of the most critical illnesses: Cancer, Stroke, Heart Attack, and Kidney Failure. We believe that everyone should have access to the best medical care when faced with these life-altering situations.

That's why we've created MyCritical Cover, a plan that not only shields you from financial strain but also offers a guardian allowance benefit to ease the burden on your loved ones.

 

Why MyCritical Cover is Your Best Choice

Critical Illness Coverage

MyCritical Cover offers 100% of the Basic Sum Assured (less any indebtedness) in the unfortunate event of being diagnosed with Cancer, Stroke, Heart Attack, or Kidney Failure. Say goodbye to financial worries and focus on your recovery.

Guardian Allowance Benefit

We understand that your loved ones' support is invaluable during tough times. That's why we provide an additional 10% of the Basic Sum Assured up to RM 5,000, as guardian allowance in the event of being diagnosed with any of the 4 critical illnesses to help reduce the mental and emotional stress your family may face. This financial support ensures they can provide you with the best care for a faster recovery and an improved quality of life.

Start Your Worry-Free Journey Today

Are you between the ages of 18 and 45 years old (age next birthday)?
If so, you can secure your future and enjoy peace of mind knowing you have the protection you need.

18 - 45 years old
(age next birthday)
Yearly renewable, expires on the policy anniversary when the Life Assured turns 70 years old
(age next birthday)
Minimum RM10,000
Maximum RM250,000

Learn More

MyCritical Cover is a regular premium, yearly renewable critical illness plan which provides coverage for Cancer, Stroke, Heart Attack and Kidney Failure. This plan does not have any surrender value as it is a pure critical illness protection plan.

This plan offered to customers who would like to purchase a simple critical illness protection plan directly from MCIS Life via our branches and our website (www.mcis.my).

This plan suits Malaysians aged 18 to 45 years old (age next birthday), in need of a pure Critical Illness protection plan.

The insurance coverage for this plan is up to the expiry age of 70 years old (age next birthday). As long as you pay the premiums required, you will remain covered until the expiry age.

You may choose to pay your premiums annually, semi-annually, quarterly or on a monthly basis. Payments can be made via online banking and credit/debit card.

The minimum Basic Sum Assured is RM10,000 while the maximum Basic Sum Assured is RM250,000.

Premium is not guaranteed and MCIS Life reserve the rights to revise the premium payable by giving 30 days’ prior notice.

No, there are no riders attachable to MyCritical Cover.

Yes. You can surrender the policy at any time but no surrender value will be payable upon termination of the policy.

  1. Pre-existing illnesses.
  2. If the Critical Illness is diagnosed during the Waiting Period.
  3. Myocardial Infarction (heart attack) if the Life Assured had undergone a Coronary Bypass Surgery prior to the Issue Date or any reinstatement date of the plan.
  4. Injuries or illnesses caused by self-inflicted injury or duelling while sane or insane within thirteen (13) months from the Issue Date or any reinstatement date, whichever is later.
  5. Injuries or illnesses suffered during active participation in riot, strike or civil commotion, committing an unlawful act, by the hands of justice, willful misuse of alcohol, and taking of drugs not prescribed by a registered medical practitioner.
  6. Injuries or illnesses suffered from insurrection, war or invasion or any act incidental thereto (whether declared or not) or from aviation (except as an ordinary fare-paying passenger or crew member on a regular public air service) or gliding, motor racing, horse racing or submarine operations.
 

Note: The list above is not exhaustive. Please refer to the Policy Contract for full details.

 

Yes, the following waiting period shall apply from the Issue Date or any reinstatement date, whichever is later:
  1. 60 days for Cancer and Heart Attack
  2. 30 days for Stroke and Kidney Failure

Yes, there is a survival period of 30 days following the diagnosis and confirmation of the critical illnesses.

Note

  • The above list is not exhaustive. Please refer to the Policy Contract for full details.
  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Product Brochure, Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for complete details of the product.
  • This plan does not have any cash value as it is meant to be a pure protection plan. You are purchasing this directly from MCIS Insurance Bhd, a licensed insurer under the Financial Services Act 2013, regulated by Bank Negara Malaysia.
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