A: i-Protect and i-Protect Plus are a non-participating, yearly auto renewable term policies that cover Critical Illnesses (CI) stated above.

It is a protection plan that does not include any savings or investment elements.

A: i-Protect and i-Protect Plus offer coverage up to the age of 70 for 3 CIs & 5 CIs respectively. You can choose from the plans (stated above) with different amount of coverage that suits your needs.

Upon diagnosis of any one of the Critical Illnesses under the Chosen Package Option; i-Protect and i-Protect Plus, 100% of the Sum Assured will be payable. After which, the policy shall be terminated.

A: i-Protect and i-Protect Plus are yearly auto renewable up to 70 years old at the premium rates at the time of renewal. The premium rates vary depending on your age and gender.

A: Call us at 1 300 22 6262 or visit our claim page to learn about the steps to make a claim. To expedite the pay out of the policy moneys in the event of a claim, please download and complete the “Nomination Form”.

A: The exclusions under this plan include:

1. Pre-existing illness; or 

2. If the Critical Illness is diagnosed within the Waiting Period as defined.

• A Waiting Period of 60 days shall apply to the following categories of Critical Illnesses: 

  • Cancer – of Specified Severity and does not cover Very Early Cancers;

  • Coronary Artery By-pass Surgery;

  • Heart Attack – of Specified Severity.

  • A Waiting Period of 30 days shall apply to Stroke and Kidney Failure. 

• The second diagnosis of the same Critical Illness; or
  • A subsequent claim arising from the Critical Illness; or e. From a self-inflicted injury or any threat to injure oneself whether sane or insane. 

The exclusions highlighted above are not exhaustive. For further information, please refer to the policy contract.