Tune Protect Critical Illness
Affordable Online Critical Illness Insurance
If you are diagnosed with a critical illness like cancer, heart attack or kidney failure, Tune Protect Critical Safe+ helps you cope financially with direct payments to YOU. Choose from three affordable options with Sum Insured as high as RM200,000. Enhance your protection with add-ons like Early Stage cover. Enjoy instant 15% discount online.
Rest assured that with Critical Safe+, you’ll have the necessary financial help when needed so you can focus fully on your recovery.
* For Angioplasty and other invasive treatments for coronary artery disease, 10% of Critical Illness Sum Insured is eligible for claims. This event is payable once only.
For full details of Plan Options and Optional Add-ons, please see the Policy Wording below.
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This product provides choices of Critical Illness coverage with 3 options and 5 plans depending on your needs. Coverage options includes Advanced Stage, Early Stage and Diabetic Care Disease.
This product provides lump sum payment for any of the covered Critical Illness diagnosed at either the Early and/or Advanced Stage as stated in your Schedule of Benefits, depending on the coverage you have chosen.
Diabetic Care Disease provides a lump sum payment for the covered conditions. Claims made under Diabetic Care Disease benefit will not decrease the Sum Insured of your plan. However, if claims are made under Diabetic Care Disease, this benefit shall be terminated.
It is open to either Malaysian citizen, Permanent Residence of Malaysia or a legal work permit or employment pass holder who is legally residing in Malaysia.
Age eligibility: age between 15 days to 60 years old, renewal up to 70 years old.
100% of the Sum Insured (except for Angioplasty and other invasive treatments for coronary artery disease if the Insured Person purchases 39 Critical Illness), less any benefit paid out previously under the Policy will be paid provided that the Insured Person survives for at least 7 days after the diagnosis of the Critical Illness.
Thereafter, the Policy will automatically terminate, and the policy is non-renewable.Early Stage Critical Illness
50% of the Sum Insured will be paid provided that the Insured Person survives for at least 7 days after the diagnosis of the Critical Illness.
Thereafter, no benefit will be payable for future claims under Early Stage of any Critical Illness Category. The Critical Illness Sum Insured shall be reduced by the Early Stage Critical Illness Benefit payout under the Policy.
Assuming on 1/1/2022, a 30-year old non-smoker male buys Critical Safe+ with the following coverage(s) and plan:
Coverage: Top 5 Critical Illnesses with Early Stage and Diabetic Care Disease
Plan: 3 (Sum insured: RM100,000)
Kindly refer below table on how the payment of claim is payable for the Critical Illness policy:
|Claim||Diagnosis||Critical Illness Stage||Benefit Payable||Remaining Sum Insured|
|Carcinoma In Situ||Early Stage||100K x 50%
|Insertion of Pacemaker due to Serious Cardiac condition||Early Stage||Not payable 1||RM50K|
|Severe Diabetic Nephropathy||Diabetic Care||RM25K||RM50K|
|Serious Coronary Artery Disease||Advanced Stage||(RM100Kx100%)
- RM50K = RM50K
Total Claims payable: RM50,000 + RM25,000 + RM50,000 = RM125,000 (including claim paid under Diabetic Care Disease).
1 If 2nd claim is from the same Critical Illness Stage (Early Stage) as previous claim (i.e 1st claim), such 2nd claim will not be payable by us.
2 Policy terminated as the Sum Insured RM100k has been fully paid.
|Advanced Stage Critical Illness||30 days|
|Early Stage Critical Illness||60 days|
|Diabetic Care Disease||60 days|