Beyond Critical Cover/Beyond Critical Cover +

What is Beyond Critical Cover/Beyond Critical Cover +

Sometimes buying a Critical Illness plan may not give you the protection you are looking for.  How do you ensure you stay protected against other Critical Events that comes by?

Manulife's Beyond Critical Cover/Beyond Critical Cover + gives you coverage against Critical Events that goes over and above in just one plan.

Why should you get this plan?

1. Admission Events

For events that requires hospitalisation, due to illnesses or accidental causes, a lump sum amount will be payable as a financial support so you can focus on your recovery.

1.1 Hospitalisation for a continuous period of 21 days or more, where the hospitalisation must be accompanied by a surgical procedure

Benefits Payable: Lump sum payment of 100% of the Rider's Face Amount up to RM500,000 per life.

1.2 Admission to Intensive Care Unit (ICU) for a continuous period of 10 days or more (excluding admission due to Dengue)

Benefits Payable: Lump sum payment of 100% of the Rider's Face Amount up to RM500,000 per life.

1.3 Admission to Intensive Care Unit (ICU) for a continuous period of 10 days or more due to Dengue

Benefits Payable: 50% of Rider's Face Amount subject to a maximum of RM125,000 per life.

2. 48 Covered Critical Illnesses

Stay protected against Critical Illnesses. You will receive a lump sum payment of the benefit’s Face Amount up to a maximum of RM500,000 if you are diagnosed with any one of the Covered Critical Illnesses.

3. Wellness Reward Benefit

Stay healthy and enjoy wellness rewards of up to 30% of the total Insurance Charges*.
*Wellness Reward is not applicable for Beyond Critical Cover +.

4. Disability Care Benefit

A disability care benefit will be given if disability occurs due to a Major Critical Illness (Advanced Stage Cancer, Heart Attack or Stroke) where 50% of the Rider’s Face Amount will be payable to help ease the financial burdens.

5. Cancer Treatment Booster Benefit 

If a prolonged treatment for cancer is more than 2 years, an additional 50% of the Rider’s Face Amount will be payable as a financial aid to help with the recovery.