MCIS Life MCIS Life

Make MYEarly Critical Aid Your First Responder

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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).
MYEarly Critical Aid

Make MYEarly Critical Aid Your First Responder

I'm Interested 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).

A comprehensive critical illness insurance plan in Malaysia that shields you right from the start of a critical illness—and throughout its different stages.

Are you at an age where the question of “What if I get sick?” isn’t a hypothetical but a real possibility? Don’t worry, it happens to the best of us. We have no control over when a critical illness can set in. Worse, the medical treatment can cost an arm and a leg.

However, the right critical illness insurance coverage can fix this from the get-go, such as with MYEarly Critical Aid.

While critical illness policies don’t always cover the early stages of a critical illness, MYEarly CriticalAid makes protecting you a priority from the very beginning. As a comprehensive critical illness insurance that gives you coverage for all stages of a disease, the plan gives you the worry-free assurance you need should the unexpected happen.

How Does MYEarly Critical Aid Help Me?

To give you control over your life, MYEarly Critical Aid features:
Covers a total of 108 critical illnesses
Optional cancer recovery benefit
No waiting period between claims
Additional benefit for angioplasty and other invasive treatments for coronary artery disease and diabetic complications
Comprehensive coverage for critical illnesses at different stages
Pays benefit for multiple critical illness categories

*Terms and Conditions apply.

What are the Benefits of MYEarly Critical Aid?

Staged Critical Illness Benefit1

  • Covers a total of 108 critical illnesses.

  • The amount of benefit payable is calculated as a percentage of the Rider’s Sum Assured based on the stages of the critical illness as below:

    Critical Illness Stages Payout (as % of Rider Sum Assured)
    Early 30%
    Intermediate 60%
    Advanced 100%
  • Any claims made for any critical illness stage will reduce the Rider’s Sum Assured until it becomes exhausted, upon which the rider shall then be terminated.
1 If there are two or more critical illness events diagnosed from the same cause at the same time, only the later stage event with the highest benefit will be payable. In the case where these events have the same stage, only either one of the events will be payable.
2
  • Any claim made under the Special Benefits and Optional Benefit will not reduce the Rider’s Sum Assured; and
  • The Special Benefits and Optional Benefit will cease when 100% of the Rider’s Sum Assured has been paid under the Staged Critical Illness Benefit regardless of whether a claim has been made under these benefits.
3 Only claimable once for each illness.
4 Not applicable for persons with known history of diabetes prior to the Issue Date or within the lapsation period of this rider. Please refer to the next page for the type of Diabetic Complications that are covered.

Multiple Claims

  • Unlike the traditional critical illness policy, you may claim more than once across different critical illness categories as long as the Rider’s Sum Assured has not been exhausted.
  • No waiting period in between claims.
1 If there are two or more critical illness events diagnosed from the same cause at the same time, only the later stage event with the highest benefit will be payable. In the case where these events have the same stage, only either one of the events will be payable.
2
  • Any claim made under the Special Benefits and Optional Benefit will not reduce the Rider’s Sum Assured; and
  • The Special Benefits and Optional Benefit will cease when 100% of the Rider’s Sum Assured has been paid under the Staged Critical Illness Benefit regardless of whether a claim has been made under these benefits.
3 Only claimable once for each illness.
4 Not applicable for persons with known history of diabetes prior to the Issue Date or within the lapsation period of this rider. Please refer to the next page for the type of Diabetic Complications that are covered.

Special Benefits2

Additional coverage equivalent to 10% of the Rider’s Sum Assured for each of the following illnesses3:

  1. Angioplasty & Other Invasive Treatments for Coronary Artery Disease
  2. Any one of the three Diabetic Complications4
1 If there are two or more critical illness events diagnosed from the same cause at the same time, only the later stage event with the highest benefit will be payable. In the case where these events have the same stage, only either one of the events will be payable.
2
  • Any claim made under the Special Benefits and Optional Benefit will not reduce the Rider’s Sum Assured; and
  • The Special Benefits and Optional Benefit will cease when 100% of the Rider’s Sum Assured has been paid under the Staged Critical Illness Benefit regardless of whether a claim has been made under these benefits.
3 Only claimable once for each illness.
4 Not applicable for persons with known history of diabetes prior to the Issue Date or within the lapsation period of this rider. Please refer to the next page for the type of Diabetic Complications that are covered.

Optional Benefit2

Cancer Recovery Benefit1

  • Provides an additional sum covered for cancer (“Cancer Sum Assured”) equivalent to 100% of the initial Rider’s Sum Assured.

  • The amount of benefit payable is calculated as a percentage of the Cancer Sum Assured based on the stage of the cancer as below:

    Stages of Cancer Payout (as % of Rider Sum Assured)
    Early 30%
    Intermediate 60%
    Advanced 100%
  • Any claims made for any stage of cancer will reduce the Cancer Sum Assured until it becomes exhausted, upon which this optional benefit shall then cease.
1 If there are two or more critical illness events diagnosed from the same cause at the same time, only the later stage event with the highest benefit will be payable. In the case where these events have the same stage, only either one of the events will be payable.
2
  • Any claim made under the Special Benefits and Optional Benefit will not reduce the Rider’s Sum Assured; and
  • The Special Benefits and Optional Benefit will cease when 100% of the Rider’s Sum Assured has been paid under the Staged Critical Illness Benefit regardless of whether a claim has been made under these benefits.

Learn More

MyEarly CriticalAid is a critical illness unit deducting rider which can be attached to a regular premium investment-linked product. This rider provides comprehensive protection for critical illnesses at early, intermediate and advanced stages with a separate sum covered from the underlying basic plan. It covers a total of 108 critical illness events under Staged Critical Illness Benefit and multiple claims are allowed as long as the Rider Sum Assured has not been exhausted. Besides that, it provides extra coverage for Angioplasty & Other Invasive Treatments for Coronary Artery Disease and Diabetic Complications. You may also opt for Cancer Recovery Benefit which provides extra coverage for cancer at early, intermediate and advanced stages to have peace of mind during recovery.

Anyone between the age of 30 days and 60 years old (age next birthday) is eligible for this rider, subject to underwriting.

MyEarly CriticalAid provides coverage up to 85 years old (age next birthday) or end of the basic policy term, whichever is earlier.

You may purchase MyEarly CriticalAid with a sum assured ranging between RM10,000 and RM250,000, subject to underwriting.

A monthly insurance charge will be deducted from the Account Value of your basic plan to pay for the rider coverage until the end of the rider term. The insurance charges vary by your age, gender and medical rating. Please refer to Appendix A for the Table of Annual Insurance Charge for MyEarly CriticalAid.

The rider benefit will not be payable if the critical illness event occurs directly or indirectly, wholly or partly, by any of the following occurrences:

  1. Any illness or surgery other than diagnosis of or surgery for the illnesses as stated in the List of Critical Illness Events and defined in the Policy Documents.
  2. Pre-Existing Illness.
  3. The signs or symptoms of the critical illness event defined under advanced stage is manifested prior to or:
    • within 60 days for Cancer – of Specified Severity and does not cover very Early Cancers, Coronary Artery By-Pass Surgery, Heart Attack - of Specified Severity and Serious Coronary Artery Disease; or
    • within 30 days for all other covered illnesses defined under advanced stage; from the Rider Issue Date or reinstatement date of this rider, whichever is later.
  4. The signs or symptoms of the critical illness event defined under early and intermediate stage, Angioplasty and Other Invasive Treatments for Coronary Artery Disease, and Diabetic Complications are manifested prior to or within 60 days from the Rider Issue Date or reinstatement date of this rider, whichever is later.
  5. The critical illness event, where in our opinion, was caused directly or indirectly by the existence of Acquired Immuno-deficiency Syndrome (AIDS) or by the presence of any Human Immunodeficiency Virus (HIV) infection. We reserve the right to require the Life Assured to undergo a blood test for HIV as a condition precedent to acceptance of any claims. The exception is for critical illness events under AIDS or HIV, as defined in the Policy Documents. For the purpose of this rider,
    • the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition.
    • infection shall be deemed to have occurred where blood or other relevant test(s) indicates in Our opinion either the presence of any Human Immunodeficiency Virus or Antibodies to such a Virus.
  6. Any critical illness event due to, directly or indirectly, a congenital defect or disease, which was manifested or diagnosed before the Life Assured attains 17 years of age.
  7. Any critical illness event which is caused by a self-inflicted injury or attempted suicide.
  8. Any critical illness event resulting from war (whether declared or not), committing an unlawful act, by the hands of justice, invasion or acts of foreign enemies, civil war, revolution, rebellion, civil commotion assuming the proportions of, or amounting to, an uprising against the government, riot or insurrection, strike, or terrorist acts.
  9. Any covered illness resulting directly from alcohol or drug abuse.
  10. Engaging in air travel except as a fare-paying passenger or crew member in a properly licensed commercial aircraft or participation in hazardous pursuits/professional sports.
  11. The Life Assured did not survive for at least 30 days after the diagnosis of any of the critical illness events.

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.
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