马来西亚危疾保险计算器

Critical Illness Cover is a type of insurance that provides a lump-sum payment if the policyholder is diagnosed with a critical illness listed in the policy. It helps policyholders financially cope with the costs associated with a critical illness, such as medical expenses and lost income. The policyholder pays premiums, and if they are diagnosed with a covered illness, they receive a tax-free payment to use as they see fit. The policy typically ends after the payment is made and the policyholder is not required to pay any more premiums.

Typically, individuals who are in good health and within a certain age range are eligible for Critical Illness Cover. Eligibility criteria may vary among insurance companies, but usually include age limits, medical history, and lifestyle factors. Some insurance companies may also require a medical exam or health questionnaire to determine eligibility. The exact eligibility criteria depend on the specific policy and insurance company, so it's important to check with the provider for more information.

The exact list of illnesses covered by Critical Illness Cover policies may vary among insurance companies. However, some common critical illnesses that are usually covered include heart attack, stroke, cancer, kidney failure, major organ transplant, and paralysis. Some policies may also cover lesser known illnesses such as multiple sclerosis, Alzheimer's disease, and Parkinson's disease. The list of covered illnesses depends on the specific policy, so it's important to review the policy details and check with the insurance provider for a full list of covered illnesses.

The waiting period for Critical Illness Cover benefits is the amount of time that must pass after the policy has been purchased and before the policyholder is eligible to make a claim. This waiting period is usually 30, 60, or 90 days, but may vary depending on the specific policy and insurance provider. During this waiting period, the policyholder is not eligible to make a claim, even if they are diagnosed with a covered critical illness. The waiting period is designed to prevent fraud and ensure that policyholders have time to fully understand their policy coverage before making a claim. The exact waiting period will be specified in the policy details, so it's important to review the policy before purchasing.

It may be possible to get Critical Illness Cover if you have pre-existing medical conditions, but the availability and terms of coverage may be affected. Some insurance providers may decline coverage for pre-existing conditions, while others may provide coverage with exclusions for specific illnesses or conditions. The availability of coverage for pre-existing conditions depends on the specific policy and insurance provider, as well as the nature and severity of the condition. In some cases, the policyholder may need to undergo a medical exam or health questionnaire to determine eligibility for coverage. If you have pre-existing medical conditions, it's important to disclose this information to the insurance provider and discuss your options for coverage.