| Protection | Benefits |
|---|---|
| 1. Coverage for 6 groups of critical illnesses, total of 48 critical illnesses |
In the case that the insured has been first diagnosed with critical illness, the company will pay benefits as the following: Beginner to moderate level
Severe level
The company will pay critical illness benefits for all groups of critical illnesses not more than 360% of the sum assured and each group of critical illnesses for all levels not more than 120%of the sum assured. When the company has already paid critical illness benefit amounting to 360% of the sum assured, the triple CI Rider will be terminated immediately. If the company has fully paid the benefit up to 120% of the sum assured for a particular group of critical illnesses, the insured will not need to pay the premium for the Triple CI rider and the policyholder will still be covered for other remaining critical illness groups. |
| 2. If death occurs during the policy period |
Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater
|
| 3. If no death occurs during the policy period, the insured will receive up to 380% of the sum assured with an opportunity to receive a dividend on the maturity date |
3.1 Benefits guaranteeing payment
3.2 Dividends on the maturity date: Opportunity to receive a dividend* |
Notes
- The special cash return is included in the annual cash return.
- *The company may consider paying dividends on the maturity date to the insured. Dividend amount depends on the return on investment of the par – product assets throughout the policy period deducted by the total cost of this product which the company will allocate at 80% of that surplus to the insured. The dividend at the end of the contract will be different for each product according to terms and conditions, and dividend calculation method specified by the company.
- Gain 1st 380 Plus (Par) is the marketing name of the life insurance Gain 1st 380 (Par) and Triple CI Rider.
- The insured will receive the 48 critical illnesses’ coverage after the 90-day period from the effective date of the contract.
