GREAT VantageCare 2 | Comprehensive Critical Illness Insurance for Advanced Stage
GREAT VantageCare 2 | Comprehensive Critical Illness Insurance for Advanced Stage
The protection advantage in critical care
A critical illness diagnosis is one of the most distressing news that anyone can receive due to the immense toll it takes on a person’s physical, mental and financial wellbeing, especially in the advanced stages.
GREAT VantageCare 2 can help alleviate some of your worries during such critical moments by giving you greater certainty in securing the treatment you need and the peace of mind to focus on your recovery. It is an ideal protection plan that looks after you in the event of an Advanced Stage critical illness. It also helps ensure that you are not a financial burden to your loved ones should Total and Permanent Disability occur.
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Key benefits
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Critical Illness coverage
Should critical illness occur1, you will receive2,3 the Basic Sum Assured, Additional Sum Assured5, Cash Bonus6,5, and Terminal Bonus5.
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Death or TPD benefit
If death or TPD occur4, your loved ones will receive2,3 the Basic Sum Assured, Additional Sum Assured5 , Cash Bonus6,5, and Terminal Bonus5,2.
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Extra protection with Additional Sum Assured
This plan gives you more assurance with Additional Sum Assured payable in the event of death or occurrence of any of the critical illnesses7,2.
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Maturity Benefit
Upon maturity of your policy, you will receive a lump sum payment of the Basic Sum Assured; Cash Bonus6,5; and Terminal Bonus5, less any payment made earlier for Angioplasty and other invasive treatments for coronary artery disease.
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Enhanced protection with optional riders
Enhance the protection you have. Tailor it to your needs with supplementary riders that provide additional protection such as coverage for accidents, or hospitalisation2.
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Understand the details before buying
1 Except for Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease.
2 Terms and conditions apply.
3 Subject to child lien (if applicable).
4 Within the policy anniversary prior to age 70 years next birthday
5 If any.
6 including any accumulated Cash Bonuses
7 Only 10% of the Additional Sum Assured in the policy year in which the claim event occurs is payable for Angioplasty and other invasive treatments for coronary artery disease, subject to a maximum of RM25,000 per life
GREAT 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 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 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. Great Eastern Life reserves the right to revise the benefit structure and restrictions/limitations for this plan by giving at least 30 days' notice. 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 at 1 June 2024.