My MultiPay Critical Illness Plan III

¹Terms and Conditions apply. Please refer to the Product Summary for details.

²The CIs claimable under Early or Intermediate Stage are grouped into 3 categories. They are:

    •    Group 1: For Early Cancer and illnesses relating to major organs
    •    Group 2: For Heart-related illnesses
    •    Group 3: For Illnesses related to the nervous system and other systemic conditions

You can make one claim from each group (up to a maximum of two claims) if you are diagnosed with CI (s) that fall under Early or Intermediate Stage. There is no waiting period between the two claims. Please refer to the Product Summary for plan details, the list of CIs and Special Benefits covered under this plan.

³If the Life Assured is first diagnosed to be suffering from any one of the CI listed under Early or Intermediate Stage of CI, 100% of the Sum Assured for each group will be payable in one lump sum. A claim may be made only once from each group up to a maximum of two (2) claims. There is no waiting period between two claims.

⁴If the Life Assured is diagnosed to be suffering from any one of the Severe Stage CI listed under this benefit, 300% of the Sum Assured less any Early and / or Intermediate CI claims paid previously will be payable in one (1) lump sum. Once a claim is made on Severe Stage CI benefit, the Life Assured cannot claim on diagnosis of Early or Intermediate Stages of CI. All future premiums of the plan are waived after this payout.

⁵The definition of Re-diagnosed Cancer, Recurrent Heart Attack and Recurrent Stroke are as below: 
    •    Re-diagnosed Cancer means cancer for which any of the following conditions are met:
        ○    The Major Cancer persists for more than 2 years since first diagnosis;
        ○    The Major Cancer relapses, that is, though recovered temporarily (in remission), the same Major Cancer recurs at the same organ as the preceding Major Cancer;
        ○    Metastasis of the preceding Major Cancer to other parts of the body; or
        ○    The new Major Cancer unrelated to the preceding Major Cancer.

Re-diagnosed Cancer must be confirmed by an oncologist on the basis of histopathological diagnosis.
    •    Recurrent Heart Attack is defined as a separate Heart Attack and not a progression of the previous one(s). The diagnosis must be supported with fresh evidence based on the criteria set out in the definition of Heart Attack of Specified Severity (LIA definition).
    •    Recurrent Stroke is defined as a separate Stroke and not a progression of the previous one(s). The diagnosis must be supported with fresh imaging evidence consistent with the diagnosis of the Stroke based on the criteria set out in the definition of Stroke (LIA definition).

Terms and conditions apply. Please refer to the Product Summary for details.

⁶Upon diagnosis of first-time Major Cancers, Stroke, Heart Attack, Re-diagnosed Cancer, Recurrent Heart Attack, or Recurrent Stroke, 150% of the Sum Assured will be payable in one (1) lump sum. This layer can only be claimed once. There is a two (2) years waiting period between Layer 2 and Layer 3. The waiting period shall be based on the date of diagnosis. The Policy continues to remain in force after this payout is made. Please refer to the Product Summary for details.

⁷This layer pays 150% of the Sum Assured in one (1) lump sum. There is a waiting period of 2 years between Layer 3 and Layer 4. The waiting period shall be based on the date of diagnosis. The policy will terminate once the Total Benefit Payout i.e. 600% of Sum Assured is made. Please refer to Product Summary for details.

⁸If the Life Assured is diagnosed with any one of the conditions listed in the Product Summary, we will pay an additional 20% of the Sum Assured (capped at S$25,000 per life per condition) of the plan. Upon a claim of this Special Benefit, the Policy remains inforce. The payout of this Special Benefit does not reduce the CI Benefit Sum Assured or the Death Benefit. Each condition can only be paid once and a maximum of six (6) claims can be made under the Special Benefit.