Health Protection

SMART EARLY
PAYOUT
CRITICALCARE
The first plan in Malaysia that pays at the early stages of critical illness
Pelan pertama pembayaran penyakit kritikal peringkat awal di Malaysia
 Benefits at a glance

The first plan in Malaysia that • Earlier financial payout at the onset of a critical illness
• Multiple claims across multiple critical illnesses

pays at the early stages of • ‘BuyBack’ option for added protection

critical illness.
Note: Terms and conditions apply.

Early payout, finances saved

When your life threatens to come to a halt, you need to bounce back
fast. With early payouts to provide for early treatments, you won’t
Helps you on the road to recovery have to put off your other life plans should a critical illness occur.
No matter how much we plan for the future, there will More importantly, you do not have to be financially burdened. The
percentage of the lump sum paid may be used at your discretion –
always be unexpected events beyond our control, such choose to use it for medical treatments or therapy, medication or even
as the onset of a critical illness. However, with continuous to settle financial commitments.
medical advances and emphasis on periodic health With the advantage of early financial support from Smart Early
screening, early detection of a critical illness is promising Payout CriticalCare, you can focus more on treatment and
recovery so that you can get back on your feet again.
and may save your life.
Note: Terms and conditions apply.
Smart Early Payout CriticalCare is designed with you in
Multiple claims across multiple critical illnesses
mind. It’s a unique investment-linked insurance rider, which The most thoughtful thing is, Smart Early Payout CriticalCare allows
pays upon early diagnosis of a critical illness covered for multiple claims for different critical illnesses or across severity
levels within the same critical illness. Furthermore, you will not have
under this plan, not when the illness has become more to wait in between submission of claims should your condition
severe – as with most insurance plans. Smart Early Payout deteriorate to a more advanced stage.
CriticalCare gives you the early payout protection you need There are no limits to the number of critical illness conditions that you
so that you can focus on treatment and recovery. can claim against, as long as the pre-defined conditions are fulfilled
and the sum of claim payouts are within this rider’s sum assured limit.

Note: Terms and conditions apply.

Added protection with unique ‘BuyBack’ option

Usually, if a critical illness claim is made, it will be difficult to obtain
new insurance cover, depriving your loved ones of financial aid
should anything unforeseen happen to you.

The good news is, Smart Early Payout CriticalCare comes with a
unique ‘BuyBack’ option to give your loved ones the extra financial
protection at the time they may need it most. With this option, you
can buy back the Death Benefit from selected insurance plan offered
by the Company, up to the maximum sum assured of the rider. This
means that you’re still covered even after a full payout of critical illness
claims has been made under Smart Early Payout CriticalCare.

Note: Terms and conditions apply.

Summary of coverage Severity Level
Smart Early Payout CriticalCare offers coverage for critical illnesses No. Critical Illness
of various severity levels, which are classified into 3 categories: Severity 10 Severity 25 Severity 50
Critical Illnesses with 2 Severity Levels
Severity Level
No. Critical Illness 50% of Sum
Severity 10 Severity 25 Severity 50 Assured,
Critical Illnesses with 1 Severity Level up to
Coronary 11 Cancer maximum of
Artery Disease 10% of Sum RM100,000
Requiring Assured, per Life
Surgery up to Assured
(Angioplasty maximum 25% of Sum
1 N/A
and other of
12 Blindness Assured, up
invasive RM25,000
treatments for to maximum
per Life
coronary artery Chronic Liver of RM50,000
Assured 13
disease) Disease per Life
Assured
Benign Brain 25% of
2 14 Heart Attack
Tumour Sum Assured,
up to
Heart Valve maximum Loss of Hearing
3 15 N/A
Surgery of / Deafness
RM50,000
Surgery to per Life Other Serious
4 Assured N/A
Aorta 16 Coronary Artery 50% of Sum
Disease Assured per
5 Kidney Failure Life Assured
Chronic Lung
17
Disease
6 Major Burns N/A
18 Coma
Major Head 25% of Sum
7
Trauma 25% of Sum Primary Assured per
Assured per Pulmonary
Major Organ Life Assured 19 Life Assured
8 Arterial
Transplant
Hypertension
Paralysis /
9
Paraplegia 20 Stroke

Parkinson’s
10
Disease Note: Terms and conditions apply.
An example of how it works: Annual Standard Insurance Charge Table
A 30-year-old male is covered by Smart Early Payout CriticalCare with
a sum assured of RM300,000. He is diagnosed with early stage cancer Per RM1,000 Sum Assured (RM)
at Severity 25 and he makes a claim. Six months later, he suffers a
heart attack at Severity 25 and another claim is made. Two months Attained Age Male Female
after the second claim is made, he suffers a heart attack at Severity 50 Next Birthday Non- Non-
and makes a claim. Since the three claims did not reach the full sum Smoker Smoker
Smoker Smoker
assured, he will continue to be protected. If his condition deteriorates,
he can make further claims on the remaining sum assured. 1 – 18 0.52 0.52
19 0.52 0.53 0.52 0.52
An illustration of his claim payouts is as follows:
20 0.52 0.57 0.52 0.52

Critical Remaining 21 0.53 0.59 0.52 0.55

Sum
Illness & Claim 22 0.55 0.60 0.52 0.60
Claim Benefit Assured
Severity Payout 23 0.55 0.62 0.55 0.64
Under This
Level Coverage 24 0.56 0.62 0.59 0.69
25% of Sum 25 0.56 0.64 0.62 0.73
Assured, up to 26 0.56 0.65 0.65 0.76
1st Cancer at
maximum of RM50,000 RM250,000 27 0.58 0.69 0.69 0.80
Claim Severity 25
RM50,000 per
28 0.60 0.73 0.71 0.87
Life Assured
29 0.64 0.76 0.75 0.93
25% of Sum 30 0.65 0.80 0.82 0.98
Heart Assured, up to
2nd 31 0.65 0.84 0.84 1.04
Attack at maximum of RM50,000 RM200,000
Claim
Severity 25 RM50,000 per 32 0.69 0.87 0.89 1.11
Life Assured 33 0.71 0.93 0.95 1.20

50% of Sum 34 0.73 1.00 1.04 1.29

Assured per 35 0.75 1.07 1.15 1.44
Life Assured,
Heart 36 0.82 1.16 1.25 1.60
3rd less the
Attack at RM100,000 RM100,000 37 0.85 1.24 1.33 1.73
Claim previous claim
Severity 50
for Heart 38 0.89 1.33 1.44 1.87
Attack at 39 1.00 1.51 1.56 2.07
Severity 25
40 1.15 1.71 1.73 2.31

Note: Terms and conditions apply and the remaining sum assured 41 1.25 1.96 1.87 2.55
under this coverage is based on the assumption that the coverage 42 1.38 2.20 2.04 2.80
for the investment-linked insurance plan, IL Critical Illness Benefit
43 1.53 2.49 2.24 3.07
Rider and Smart Early Payout CriticalCare is the same.
Annual Standard Insurance Charge Table (Cont’d) The insurance charge on the previous page will be charged
according to your attained age next birthday at renewal and
Per RM1,000 Sum Assured (RM) the sum assured of the rider, regardless of any claims made. It
may vary according to your age, sex, smoker status and health
Attained Age Male Female condition. The insurance charges are not guaranteed and may
Next Birthday Non- Non-
be revised from time to time. Upward revision of insurance
Smoker Smoker charges, if any, will be done on your policy anniversary and we
Smoker Smoker
will notify you in writing at least 30 days before the revision
44 1.73 2.78 2.42 3.36 takes place.
45 1.91 3.16 2.56 3.56
46 2.09 3.49 2.71 3.87
47 2.29 3.85 2.87 4.13
48 2.49 4.27 3.00 4.42
49 2.73 4.71 3.16 4.71
50 3.04 5.27 3.31 4.96
51 3.35 5.89 3.47 5.31
52 3.67 6.51 3.64 5.64
53 4.00 7.16 3.82 5.98
54 4.40 7.95 4.02 6.35
55 4.85 8.80 4.13 6.65
56 5.31 9.65 4.22 6.78
57 5.76 10.56 4.36 7.16
58 6.35 11.64 4.56 7.60
59 7.00 12.80 4.75 7.96
60 7.73 14.24 5.04 8.51
61 8.53 15.85 5.42 9.27
62 9.38 16.67 5.78 10.00
63 10.31 18.94 6.20 10.85
64 11.40 19.66 6.71 11.78
65 12.62 21.17 7.25 12.93
66* 14.27 22.47 8.11 14.53
67* 15.64 23.29 8.82 15.91
68* 17.25 25.65 9.65 17.60
69* 18.98 27.91 10.55 19.20

*On renewal basis only.

Frequently Asked Questions Important Notices

Q: Who can apply? Smart Early Payout CriticalCare is a unit-deduction rider

A: The minimum entry age is 30 days old attained age and attachable to selected regular premium investment-linked
the maximum entry age is 65 years next birthday. Smart insurance plans. These plans are insurance products that
Early Payout CriticalCare will be attached to your regular are tied to the performance of the underlying assets, and
premium investment-linked insurance plan. are not pure investment products such as unit trusts.
Smart Early Payout CriticalCare must be attached together
Q: How much premium do I have to pay?
with IL Critical Illness Benefit Rider. Upon payment of any
A: You may be required to pay additional premium to ensure policy
sustainability. The insurance charge will be deducted from benefits under Smart Early Payout CriticalCare, the rider will
the total investment value of your policy on a monthly basis. accelerate the sum assured of the IL Critical Illness Benefit
Rider, which in turn will also accelerate the sum assured of
Q: Under what circumstances will Smart Early Payout the investment-linked insurance plan. The insurance charge
CriticalCare be terminated? to be imposed will be deducted from the total investment
A: This rider will be terminated on the death of the Life Assured, value of your policy on a monthly basis. You may stop paying
or on the policy anniversary on which the Life Assured’s age premiums under the policy and still enjoy protection as long
is 70 years next birthday, or expiry date, or once the sum as there is sufficient total investment value to pay for the
assured for this rider is fully paid out, or upon termination insurance charge. However, there is a possibility of the policy
of the IL Critical Illness Benefit Rider, or when the policy is lapsing when the required charges, including rider charges
lapsed, surrendered or terminated, whichever comes first.
exceed the total investment value of the fund units available.
Q: What are some of the exclusions for this rider? Purchasing too many unit-deduction riders may deplete the
A: No benefit is payable under the following circumstances: fund units.
• Pre-existing Illness.
• Any covered critical illnesses which commence, occur You should satisfy yourself that this rider will best serve your
or are diagnosed during the waiting period of 30 days needs and that the premium payable under the policy is
or 60 days, depending on the type of critical illness an amount you can afford. A free-look period of 15 days is
(except for Cancer with Severity 25 and Severity 50 given for you to review the suitability of the newly purchased
where a 120 days waiting period shall apply), from the Medical and Health Insurance product (MHI). If the rider is
Risk Effective Date or from the date of any reinstatement cancelled during this period, the policy owner is entitled to
of this rider or the policy, whichever is the latest. the reinstatement of the units deducted for the payment
of insurance charge after net of expenses incurred for the
The exclusions highlighted here are not exhaustive. Full
medical examination, if any. If you switch your Medical Policy/
details are available in the policy document.
Rider from one company to another or if you exchange your
Q: How much sum assured can I purchase? current Medical Policy/Rider with another policy within the
A: The minimum sum assured for this rider is RM12,000. same company, you may be required to submit an application
Any application for the minimum or higher sum assured is where acceptance of your proposal will be subject to the
subject to the applicable underwriting requirements. terms and conditions to be imposed at the time of Policy/Rider
switching or replacement.
Note: The sum assured for Smart Early Payout CriticalCare
must be the same as IL Critical Illness Benefit Rider. Terms
and conditions apply.

Q: Will I be entitled to tax benefits?

A: Benefits received from Smart Early Payout CriticalCare are
generally non-taxable and premiums paid may qualify for
tax relief. However, tax benefits are subject to the Malaysian
Income Tax Act, 1967, and final decision of the Inland
Revenue Board.
This brochure is for general information only. It is not a contract of
insurance. You are advised to refer to the Product Disclosure Pelan pertama pembayaran
Sheet, consumer education booklet on MHI and sample policy
documents for detailed important features and benefits of the
penyakit kritikal peringkat
plan before purchasing the plan. The exclusions and limitations
of benefits highlighted above are not exhaustive. For further
awal di Malaysia
information, reference shall be made to the terms and conditions
specified in the policy issued by Great Eastern Life.
Bantuan ke arah pemulihan untuk anda
If there is any discrepancy between the English, Bahasa Tidak kira apa jua perancangan anda untuk masa
Malaysia and Chinese versions of this brochure, the English depan, pasti terdapat perkara yang berlaku di luar
version shall prevail.
jangkaan, contohnya penyakit kritikal. Namun, dengan
The terms “Great Eastern Life” and “the Company” shall refer kemajuan perubatan yang berterusan dan fokus terhadap
to Great Eastern Life Assurance (Malaysia) Berhad. pemeriksaan perubatan secara berkala, pengesanan awal
bagi penyakit kritikal mungkin menyelamatkan nyawa anda.
For more information, please contact your friendly Great
Eastern Life Planning Advisor or Customer Service
Careline at 1300-1300 88. Smart Early Payout CriticalCare direka dengan mengambil
kira kepentingan anda. Ia merupakan rider insurans
berkait pelaburan yang unik kerana pembayaran dibuat
semasa diagnosis awal penyakit kritikal yang dilindungi
di bawah pelan ini, bukan apabila penyakit telah menjadi
serius – sepertimana kebanyakan pelan insurans. Smart
Early Payout CriticalCare memberi perlindungan melalui
pembayaran awal agar anda boleh memberi tumpuan
terhadap rawatan dan pemulihan.
 BRANCH OFFICES / PEJABAT CAWANGAN / ‫ݴ‬ႜ‫ں‬኷
Alor Setar Kuching
66 & 68, Jalan Teluk Wan Jah House No. 51, Lot 435
05200 Alor Setar, Kedah Section 54, KTLD
Tel: 04-731 9877 Fax: 04-731 9878 Travilion Commercial Centre
Batu Pahat Jalan Padungan
109, Jalan Rahmat 93100 Kuching, Sarawak
83000 Batu Pahat, Johor Tel: 082-412 736 Fax: 082-426 684
Tel: 07-432 5562 Fax: 07-432 5560 Lahad Datu
Bintulu Ground & 1st Floor
No. 313, Lot 3956, Phase 4 MDLD 3804, Lot 66
Bintulu Parkcity Commerce Square Fajar Centre, Jalan Segama
Jalan Tun Ahmad Zaidi / 91100 Lahad Datu, Sabah
Jalan Tanjung Batu Tel: 089-884 136 Fax: 089-884 226
97000 Bintulu, Sarawak Melaka
Tel: 086-336 676 Fax: 086-332 601 No. 23, Jalan PM 15
Ipoh Plaza Mahkota
Wisma Great Eastern 75000 Melaka
16, Persiaran Tugu, Greentown Ave Tel: 06-282 4577 Fax: 06-283 4579
30450 Ipoh, Perak Miri
Tel: 05-254 2027 Fax: 05-255 5578 Lots 1260 & 1261
Johor Bahru Block 10, M.C.L.D, Jalan Melayu
Wisma Great Eastern, 98000 Miri, Sarawak
02-01, Blok A, Tel: 085-413 299 Fax: 085-417 518
Komersil Southkey Mozek,
Penang
Persiaran Southkey 1,
Kota Southkey, 80150 Johor Bahru 25, Light Street
Tel: 07-336 9388 Fax: 07-336 9383 10200 Penang
Tel: 04-262 2141 Fax: 04-262 2140
Klang
No. 8 & 10, Jalan Tiara 2A Sandakan
Bandar Baru Klang Lot 5 & 6, Block 40
41150 Klang, Selangor Lorong Indah 15
Tel: 03-3343 6688 Fax: 03-3341 3398 Bandar Indah, Phase 7
Mile 4, North Road
Kluang
90000 Sandakan, Sabah
No. 22 & 24
Tel: 089-213 484 Fax: 089-271 343
Jalan Md Lazim Saim
HEAD OFFICE / IBU PEJABAT / 总公司 86000 Kluang, Johor Seremban
101 & 103, Jalan Yam Tuan
Tel: 07-772 3529 Fax: 07-772 3449
Great Eastern Life Assurance (Malaysia) Berhad (93745-A) 70000 Seremban
Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Kota Bharu
Negeri Sembilan
03-4259 8888 No. S25/5252-T & U
Tel: 06-763 6120 Fax: 06-763 1480
Jalan Sultan Yahya Petra
03-4259 8000
15200 Kota Bharu, Kelantan Sibu
wecare-my@greateasternlife.com Tel: 09-748 2332 Fax: 09-744 9701 No. 10 A-F
www.greateasternlife.com Wisma Great Eastern
Kota Kinabalu
Wisma Great Eastern Persiaran Brooke
Great Eastern Life Assurance (Malaysia) Berhad (93745-A) 96000 Sibu, Sarawak
is licensed under the Financial Services Act 2013 and is regulated Level 4 & 5, No. 65 Jalan Gaya
88000 Kota Kinabalu, Sabah Tel: 084-312 829 Fax: 084-333 925
by Bank Negara Malaysia.

MCM/SEPCC/V8/09/18
Tel: 088-252 033 Fax: 088-210 437 Taiping
For the latest contact details, please refer to the Company’s website. 133A, Jalan Barrack
Kuala Terengganu
2nd Floor, 6F 34000 Taiping, Perak
Great Eastern Life Assurance (Malaysia) Berhad (93745-A) Bangunan Persatuan Hin Ann Tel: 05-805 1021 Fax: 05-805 1023
dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan Jalan Air Jernih, 20300 Tawau
dikawal selia oleh Bank Negara Malaysia. Kuala Terengganu, Terengganu Ground Floor
Untuk maklumat lanjut, sila layari laman sesawang Syarikat. Tel: 09-622 4959 Fax: 09-626 5195 Wisma Great Eastern
Kuantan Jalan Billian
A25, Jalan Dato Lim Hoe Lek 91000 Tawau, Sabah
大东方人寿保险（马来西亚）有限公司（93745-A） Tel: 089-771 322 Fax: 089-762 341
25200 Kuantan, Pahang
在2013年金融服务法令下获得执照并由马来西亚国家银行管制。
Tel: 09-515 7666 Fax: 09-515 8477
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