Comprehensive care at every stage of the cancer journey
Cancer can strike anyone, at any time in life. While early detection and treatment is important to give you the best chance of recovery, it’s also comforting to have the security of knowing that you have the financial protection to manage cancer if it does occur again at a later stage.
Multi Cancer Care is a comprehensive coverage plan that you can depend on to help you through every stage of the fight against cancer. From early to intermediate and advanced stages, Multi Cancer Care provides you with a financial safety net in your time of need, whenever it happens. With coverage up to age 85 years next birthday and total payout up to 360% of the basic sum assured, you can continue your journey with your loved ones safe in the knowledge that you will be protected at every stage of life.
Key benefits
Comprehensive coverage against cancer
This plan provides a comprehensive coverage from the early stage of cancer onwards, up to age 85 years next birthday1
Early protection against tumours
If you undergo a complete surgical excision of a benign tumour that is suspicious of malignancy from the covered organs or sites or anatomical spaces, an additional 10% of the basic sum assured will be payable, subject to a maximum amount of RM25,000 per life1
Additional benefits to aid your recovery
Upon diagnosis of Advanced Stage Cancer, you will receive a Recovery Benefit of an additional 50% of the basic sum assured together with the Advanced Stage Cancer Benefit. Furthermore, an additional 50% of the basic sum assured will be payable one year after the diagnosis date of Advanced Stage Cancer2,1
Financial support for your loved ones
Should death occur, your loved ones will be well-provided with a Death Benefit of the higher of the total premiums paid or cash value, in one lump sum, and also, an additional amount of the basic sum assured as Bereavement Benefit 4,1
Up to 150% of total premiums paid at maturity
You will receive up to 150% of the total premiums paid upon maturity of your policy3,1.
Cancer-based underwriting
The application process is made easier as the eligibility of this plan only takes into consideration your medical condition and family history related to cancer1.
How Multi Cancer Care works
Footnotes and disclaimers
Please do take note of the below to ensure you fully understand what this product does and does not cover.
1 Terms and conditions apply.
2 The policy will be terminated thereafter.
3 The Maturity Benefit will be paid according to the life assured's entry age next birthday.
4 A percentage of the basic sum assured according to the policy year will be paid out as the Bereavement Benefit.
Multi Cancer Care is a non-participating whole life plan that matures at age 85 years next birthday. Premiums are payable up to age 85 years next birthday, or until a claim has been made on Advanced Stage Cancer or upon termination, whichever occurs first.
You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the plan. If the policy is returned to the Company during this period, the full premium would be refunded to the policy owner minus the expenses incurred for medical examination, if any. If you switch your policy from one company to another or if you exchange your current policy with another policy within the same company, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of the policy switching or replacement.
The policy will not have a guaranteed minimum cash value on termination until after you have paid premiums for two years. If you surrender your policy early, you will get back less than the amount you have paid. If you stop paying premiums before the end of the premium payment term, an automatic premium loan will be effected under your policy to pay future premiums so long as the cash value is more than the total indebtedness. The Company shall charge interest on the above loans at interest rates to be determined by the Company from time to time. The prevailing interest rate is available on the Company’s official website. Cessation of premium payment before the end of the premium payment term may lead to early termination of coverage.
This above is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy.
Information correct as on 21 March 2022.
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