MyCritical Cover is a non-participating term plan which provides coverage for Cancer, Stroke, Heart Attack and Kidney Failure. Our benefit details and exclusions provides further explanation on the illnesses covered. This plan does not have any surrender value as it is meant to be a pure protection plan.

The expiry age for this product is 70 years old. As long as you pay the premiums required you will remain covered until the expiry age.

You are allowed to decrease the Sum Assured after purchase, which also means that the sum you are insured for will decrease. Please bear in mind you may risk being under-insured should you decide to decrease the Sum Assured.

The minimum Sum Assured is RM10,000 while the maximum Sum Assured is RM250,000.

No. There are no benefits payable at the end of the policy term.

Should you decide that this policy is not the right fit for you, you may return it within 15 days from the date of receipt. We will refund all premiums paid.

Yes, you can. However, the policy carries no surrender value upon termination. You will need to submit a written request to MCIS Life in order to surrender your policy. You may submit the written request by email to customerservice@mcis.my or at the nearest MCIS Life branch.

The policy shall terminate:

1. upon full payment of the Critical Illness benefit; or
2. upon death of the Life Assured; or
3. when the policy becomes void, or is lapsed; or
4. upon non-payment of premium in the stipulated time frame; or
5. when a written request from you to surrender the policy is received by us; or
6. on the expiry date,

whichever occurs earlier.

Yes. Our nomination process is simple and easy. If your intention is for the nominees to receive the policy monies and if the nominees are not your spouse, child or your parents, then you are advised to assign the policy benefits to the nominee(s) instead of executing the nomination.

Yes. You may qualify for personal tax relief on life insurance premium from the purchase of this plan, subject to the terms and conditions imposed by the Inland Revenue Board. MCIS Life does not provide tax advice; please contact your tax advisor for more information.

This plan suits Malaysians aged 18 to 45 years old (next birthday), in need of a Critical Illness pure protection plan.

You will be informed about your application status after completing the online questionnaire.

The amount and length of coverage you should purchase depends on your protection needs and budget. You may use the My Coverage Calculator available on our website to assist in assessing your coverage needs and budget.

No. You only need to answer the online questionnaire for us to determine your eligibility.

The premium amount depends on the amount of Sum Assured, your entry age and gender. Premiums must be paid throughout the policy term.

Yes, the premium amount increases according to age. Further MCIS has the right to revise the premium amount payable with a 30 day notice period.

Choose to pay your premiums annually, semi-annually, quarterly or on monthly basis. Payments can be made via Auto-Debit, and Credit/Debit Card.

Our claim process is simple and easy to follow.

Yes, there are certain restrictions on the benefits. Our benefit details and exclusions below explains the full list.

1.     Cancer - of specified severity and does not cover very early cancers

Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma.

For the above definition, the following are not covered:

1. All cancers which are histologically classified as any of the following:
   - pre-malignant
   - non-invasive
   - carcinoma in situ
   - having borderline malignancy
   - having malignant potential
2. All tumours of the prostate histologically classified as T1N0M0 (TNM classification)
3. All tumours of the thyroid histologically classified as T1N0M0 (TNM classification)
4. All tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification)
5. Chronic Lymphocytic Leukemia less than RAI Stage 3
6. All cancers in the presence of HIV
7. Any skin cancer other than malignant melanoma

 

2.    Stroke - resulting in permanent neurological deficit with persisting clinical symptoms

Death of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. A minimum Assessment Period of three (3) months applies.

For the above definition, the following are not covered:

1. Transient ischemic attacks
2. Cerebral symptoms due to migraine
3. Traumatic injury to brain tissue or blood vessels
4. Vascular disease affecting the eye or optic nerve or vestibular functions

 

3.    Heart Attack - of specified severity

Death of heart muscle, due to inadequate blood supply, that has resulted in all of the following evidence of acute myocardial infarction:

1. A history of typical chest pain
2. New characteristic electrocardiographic changes; with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block and
3. Elevation of the cardiac biomarkers , inclusive of CPK-MB above the generally accepted normal laboratory levels or Troponins recorded at the following levels or higher:
   - Cardiac Troponin T or Cardiac Troponin I > / = 0.5 ng/ml

The evidence must show the occurrence of a definite acute myocardial infarction which should be confirmed by a cardiologist or physician.

For the above definition, the following are not covered:

1. Occurrence of an acute coronary syndrome including but not limited to unstable angina.
2. a rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease

 

4.    Kidney Failure - requiring dialysis or kidney transplant

End-stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular dialysis is initiated or kidney transplantation is carried out.

The following waiting period shall apply:

1. 60 days for Cancer and Heart Attack.
2. 30 days for Stroke and Kidney Failure;

The waiting period will apply again if there is a reinstatement of the policy.

30 days following the diagnosis and confirmation of the critical illnesses.

The benefit under this plan will not cover any critical illness caused directly or indirectly, wholly or partly, by any of the following occurrences:

1. Pre-Existing Illness.
2. Critical Illness first manifests during the Waiting Period.
3. Myocardial Infarction (heart attack) if the Life Assured had undergone a Coronary Bypass Surgery prior to the Issue Date or any reinstatement date of the plan.
4. Injury or illness caused by self-inflicted injury or duelling while sane or insane within thirteen (13) months from the Issue Date or any Reinstatement Date, whichever is later.
5. Injury or illness suffered during active participation in riot, strike or civil commotion, committing an unlawful act, by the hands of justice, willful misuse of alcohol, and taking of drugs not prescribed by a registered medical practitioner.
6. Injury or illness suffered from insurrection, war or invasion or any act incidental there to (whether declared or not) or from aviation (except as an ordinary fare-paying passenger or crew member on a regular public air service) or gliding, motor racing, horse racing or submarine operations.