cancer protector
Early, late or never. We got you covered.
Cancer Protector covers you from the early stages onwards, easing your burden to cope with the expensive cancer treatment right from the start.
Cancer affects your physical, emotional and financial well-being. It is important to do routine self examinations and go for your timely health screenings, one-third of cancers can be detected early and treated correctly.
With Cancer Protector, you are covered from the early stages of cancer should the unfortunate happen to you even before, during or after cancer treatment.
Early stage cancer benefit
Upon being diagnosed with cancer at an early stage, you will receive 50% of Basic Sum Assured, easing your burden to cover expensive treatment, right from the start.
Upon being diagnosed with cancer at an early stage, you will receive 50% of Basic Sum Assured, easing your burden to cover expensive treatment, right from the start.
Intermediate and advanced stage cancer benefit
Upon being diagnosed with cancer at an intermediate or advanced stage, you will receive 150% of Basic Sum Assured or total premium paid out without interest-whichever is higher.
Upon being diagnosed with cancer at an intermediate or advanced stage, you will receive 150% of Basic Sum Assured or total premium paid out without interest-whichever is higher.
Recovery benefit
Upon being diagnosed with intermediate or advanced stage cancer, you will receive RM20,000 in one lump sum paid out once only per life (paid together with intermediate or advanced stage cancer benefit), enabling you to have extra financial support on your path to recovery.
Upon being diagnosed with intermediate or advanced stage cancer, you will receive RM20,000 in one lump sum paid out once only per life (paid together with intermediate or advanced stage cancer benefit), enabling you to have extra financial support on your path to recovery.
Death benefit
Upon death of the life insured, your loved ones will receive the total premium paid out without interest, or cash value-whichever is higher.
Upon death of the life insured, your loved ones will receive the total premium paid out without interest, or cash value-whichever is higher.
Maturity benefit
You will receive 100% of Basic Sum Assured or total premium paid without interest-whichever is higher, upon maturity of your policy on the survival of the life assured's age at 80 years next birthday.
You will receive 100% of Basic Sum Assured or total premium paid without interest-whichever is higher, upon maturity of your policy on the survival of the life assured's age at 80 years next birthday.
1 in 4 Malaysians develop cancer by the time they reach age 75
At any one time, there are about 90,000 to 100,000 people living with cancer
About 1 in every 10 smokers will develop lung cancer
Over 90% of lung cancers is attributable to smoking
Allan's profile:
Allan is 30-year-old (next birthday) and he is a non-smoker. He buys Cancer Protector with Basic Sum Assured of RM250,000 and pays Annual Premium of RM3,600.
Allan's profile:
Allan is 60-year-old (next birthday) and he is a non-smoker. He buys Cancer Protector with Basic Sum Assured of RM250,000 and pays Annual Premium of RM27,100.
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The illustration above are only for hypothetical examples. Please refer to the Sales Illustrations for the actual regular premium based on your coverage amount, gender, age and smoker status.
^ The premium that you pay contribute to both savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this products of this policy with the effective returns of other investment alternatives.
See the coverage and benefits based on the following scenario:
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The illustration above are only for hypothetical examples. Please refer to the Sales Illustrations for the actual regular premium based on your coverage amount, gender, age and smoker status.
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The illustration above are only for hypothetical examples. Please refer to the Sales Illustrations for the actual regular premium based on your coverage amount, gender, age and smoker status.
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The illustration above are only for hypothetical examples. Please refer to the Sales Illustrations for the actual regular premium based on your coverage amount, gender, age and smoker status.
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The illustration above are only for hypothetical examples. Please refer to the Sales Illustrations for the actual regular premium based on your coverage amount, gender, age and smoker status.
^ The premium that you pay contribute to both savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this products of this policy with the effective returns of other investment alternatives.
Per RM1,000 Basic Sum Assured in RM
See the annual premium rate for:
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The premium rates are non-guaranteed and may be revised from time to time. Upward revision of premium rates, if any, will be done on your policy anniversary and the Company will notify you in writing at least three (3) months before the revision takes place. The revision, if any, will aim to reflect our claim experience or other justified circumstances. Such changes will be applicable to all policy owners regardless of their individual claims experience.
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The premium rates are non-guaranteed and may be revised from time to time. Upward revision of premium rates, if any, will be done on your policy anniversary and the Company will notify you in writing at least three (3) months before the revision takes place. The revision, if any, will aim to reflect our claim experience or other justified circumstances. Such changes will be applicable to all policy owners regardless of their individual claims experience.
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The premium rates are non-guaranteed and may be revised from time to time. Upward revision of premium rates, if any, will be done on your policy anniversary and the Company will notify you in writing at least three (3) months before the revision takes place. The revision, if any, will aim to reflect our claim experience or other justified circumstances. Such changes will be applicable to all policy owners regardless of their individual claims experience.
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The premium rates are non-guaranteed and may be revised from time to time. Upward revision of premium rates, if any, will be done on your policy anniversary and the Company will notify you in writing at least three (3) months before the revision takes place. The revision, if any, will aim to reflect our claim experience or other justified circumstances. Such changes will be applicable to all policy owners regardless of their individual claims experience.
Exclusions
- Death
Death within one (1) year from the risk commencement date or from the date of any reinstatement of the policy, whichever is later, as a result of suicide, while sane or insane.
- Cancer
The Company will not be liable for any Cancer Benefit or Recovery Benefit under this plan if the early stage cancer, intermediate stage cancer or advanced stage cancer, including any conditions associated with it:
- has existed prior to the risk commencement date or the date of any reinstatement, whichever is later.
- has occurred to the life assured for which:
- any condition existed or was diagnosed:
- during the waiting period of 60 days; or
- after the expiry of the waiting period but which is related to a condition which existed or was diagnosed during the waiting period; or
- signs and symptoms existed before or during the waiting period which would prompt a reasonable person to seek medical care or attention, though the resulting diagnosis may occur before or after the expiry of the waiting period.
Such claim will not be admissible only because notification of the said claim was given to the Company after the expiry of the waiting period.
- any condition existed or was diagnosed:
- was diagnosed due to, directly or indirectly, a congenital defect or disease, which has manifested or was diagnosed before the life assured attains the age of 17 years next birthday.
- was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immuno-deficiency Virus (HIV) infection. The Company reserves the right to require the life assured to undergo a blood test for HIV as a condition precedent to acceptance of any claim. For the purpose of this policy, infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the Company's opinion either the presence of any HIV or antibodies to such a virus.
- resulting directly from alcohol or drug abuse.
The exclusions highlighted here are not exhaustive. Full details are available in the policy document.
Disclaimer
Terms and conditions apply. You are advised to refer to any OCBC Bank sales staff for the Sales Illustration, Product Disclosure Sheet, brochure and sample policy contract for details of important features, benefits and exclusions of the plan before purchasing it. This is an insurance plan underwritten by Great Eastern Life Assurance (Malaysia) Berhad (198201013982/93745-A) and OCBC Bank (Malaysia) Berhad (199401009721/295400-W) is the distributor of this product. This insurance product is not a bank deposit and is not an obligation of or guaranteed or insured by OCBC Bank (Malaysia) Berhad. Great Eastern Life Assurance (Malaysia) Berhad (198201013982/93745-A) is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
The exclusions and limitations of benefits highlighted may not be exhaustive. The precise terms and conditions and definitions of this insurance plan are specified in the policy contract.
All enquiries related to claims and liabilities arising from the policies should be made with the Company. OCBC Bank disclaims the liability for any loss or damage howsoever arising in connection with this insurance product.
or visit us at a branch.