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GREAT Early VantageCare 2 | Early Protection for 50 Critical Illnesses | Whole Life Insurance

The early advantage in critical care

Early detection and diagnosis of critical illnesses improve the chances of a successful treatment while having financial support at the early stages of a critical illness can help you secure timely and appropriate treatment for the best possible outcome. This is why GREAT Early VantageCare 2 covers you at different stages across multiple critical illnesses, right from the start, with no wait between submissions of claims.

GREAT Early VantageCare 2 offers you protection should the unexpected happen. This plan also helps ensure that your loved ones will not be burdened and have the means to carry on with their lives.

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Key benefits

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    Broad critical illness coverage

    With this plan, you have the flexibility to make multiple claims1 for various critical illnesses diagnosed across the Early, Intermediate, and Advanced stages2.
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    Death or TPD Benefit

    If death or TPD3 occur, your loved ones will receive1,2 the Basic Sum Assured, Additional Sum Assured4, Cash Bonus5,4, and Terminal Bonus4.
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    Maturity benefit

    Upon maturity of your policy, you will receive2  a lump sum payment of the basic sum assured, cash bonus5,4 , and terminal bonus4 , less any payment made earlier under the critical iIllness benefit6 .
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    Extra protection with additional sum assured

    GREAT Early VantageCare 2 gives you more assurance with additional sum assured payable in the event of death or occurrence of any of the critical illnesses7 .

Your questions answered

1. What is an early stage critical illness insurance plan? 

An early stage critical illness coverage plan provides you with financial coverage in the form of a lump sum payout upon diagnosis in the early stages of a critical illnessa.

The plan is designed to alleviate financial stress for both you and your family, offering you the flexibility to decide how to utilise the payout – whether it's covering early treatment costs or supplementing your family’s living expenses. The choice is firmly in your hands.

2. Early critical illness insurance vs critical illness insurance

Curious about the distinctions between early critical illness insurance and critical illness insurance? The primary difference is the stage of illness in which the insurance coverage begins.

Our early critical illness insurance plan covers multiple stages of critical illnesses, with payout occurring as early as the Early Stage and extending to the Intermediate and Advanced Stages. Unlike critical illness insurance, our early stage critical illness insurance plan prioritises early diagnosis and treatment, putting you in control of your preferred course of action.

In contrast, a critical illness plan typically activates coverage only in the advanced stages of an illness, which requires specific medical procedures or meeting certain medical criteria.

3. What is covered under the early stage critical illness insurance plan?

GREAT Early VantageCare 2 covers up to 50 different critical illnesses across 3 stages (Early, Intermediate, and Advanced). Some of these include, but are not limited to:

●        cancer

●        heart attack

●        Parkinson’s Disease

●        coronary artery bypass surgery

●        stroke

●        major organ transplant

Refer to the product brochure for the rest of critical illnesses. 

4. Why is it important to have an early stage critical illness insurance plan? 

Having an early stage critical illness plan is important for two reasons: it provides both health and financial protection, seamlessly bundled to offer maximum flexibility for you and your family. This comprehensive coverage empowers you to pursue timely treatment and facilitates effective early medical intervention. This proactive approach not only enhances the likelihood of successful treatment but also promotes long-term health outcomes. It allows you to manage serious health conditions at a stage where intervention is most treatable.

5. How GREAT Early VantageCare 2 Works 

GREAT Early VantageCare 2 provides you the flexibility to make multiple claims for various critical illnesses, spanning different stages of the same critical illness.

Upon diagnosis of any covered critical illness, you will receive a percentage of both your Basic Sum Assured and Additional Sum Assured (if applicable), depending on the stage of the critical illness.

Note: Terms and conditions apply. 

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  • Answer your product enquiries
  • Find the right plan that suits your needs and affordability
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Call times are Monday-Friday between 8.30am and 5.15pm (except Public Holiday).

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Understand the details before buying

1 Subject to child lien (if applicable).

2 Terms and conditions apply.

3 Within the policy anniversary prior to age 70 years next birthday

4 If any

5 Including any accumulated Cash Bonuses

6 For an early stage critical illness and/or Angioplasty and other invasive treatments for coronary artery disease

7 The Additional Sum Assured amount will be determined based on the severity level of the critical illness.

Source:

a Critical Illness Insurance: What Is It? Who Needs It?

GREAT Early VantageCare 2 is a participating whole life living assurance plan with non-guaranteed bonuses. Premiums are payable up to age 87 years next birthday or upon policy termination, whichever occurs first. The plan will mature at age 87 years next birthday. Any increase in coverage shall entail an increase in premium payment. However, the premium rates are guaranteed and will remain the same throughout the premium payment term.

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 Cash Bonus and Terminal Bonus are not guaranteed. The actual bonuses that would be declared may be more or less depending on the operating and investment results experienced by the Company.

The policy may 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 may 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.

The 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 issued by Great Eastern Life.

The terms "Great Eastern Life" and "the Company" shall refer to Great Eastern Life Assurance (Malaysia) Berhad.

The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).

Information correct as of 22 July 2024.