CRITICAL ILLNESS
FUND

What is a Critical Illness Fund?

A large percentage of Malaysians are either not insured or underinsured. Sure, you may have a medical insurance plan. But chances are, this is not enough to cover you if a critical illness were to strike.

We’re talking about critical illnesses such as a heart attack, heart stroke, or cancer, which require more medical attention and higher medical costs that a standard insurance plan may not cover.

Being diagnosed with a critical illness is tough enough as it is. Having to worry about the financial impact should be the last of your concerns. A Critical Illness Fund will cover the gaps in your existing medical insurance plan so that you can enjoy peace of mind for tomorrow, today.

How does it work?

The Critical Illness Fund is a protection fund where customers receive a lump sum directly to them when diagnosed with a critical illness.

The CIF can cover medical costs beyond the traditional medical insurance plans out there. The lump sum amount received can also be used for non-medical costs such as income replacement during rehabilitation or even to pay bills, mortgages or other living expenses.

Imagine this: Sarah takes good care of herself and one day, she notices a small lump in her breast. When she goes to see a specialist, they find a malignant lump – she has been diagnosed with cancer.

While the chances of recovery are good, she needs to undergo weeks and months of treatment to beat the cancer. Sarah could raid her savings to cover the mounting cost of her treatment. But this could possibly derail her retirement plans. And what about her family? She is unable to resume work, her spouse has to take several months off work to look after her, and her children are still in school.

While the chances of her cure are good, she needed to undergo weeks and months of treatment and recovery. Sarah could raid her savings to cover the high price of her treatment costs possibly derailing her retirement plans, but what about her family? She was unable to resume work, her spouse had to take several months off work to look after her, and her children were still in school.

But Sarah is a loving and responsible mother. The good news is, she had made a decision in the past to invest in the Critical Illness Fund. With this, she can use the lump sum payment from the fund to cover her medical treatment. And best yet, she is also able to use a portion of this money to support her household, while she focuses on beating cancer.

Be like Sarah.