(1) The critical illness coverage benefit payment of Happy CI rider has a non-covering period of 90 days, starting from the effective date of the rider's coverage. The company will pay the benefit if the insured is diagnosed and/or confirmed by a doctor as having a critical illness with one of the 14 serious diseases that are covered during the insured's lifespan. The total critical illness coverage benefit has a maximum value of not more than 100% of the sum assured or the accumulated premiums paid of the Happy CI Rider (whichever is higher).
In the event that the total amount of benefits paid is equal to the sum assured or accumulated premiums paid of the Happy CI Rider (whichever is higher), the rider will automatically mature. In this regard, if the insured passes while the company is underwriting the benefit payment under items 1.1 and/or 1.2, the company will pay such a benefit to the beneficiary.
(2) Deducted by the benefits that have already been paid by the company for critical illness coverage (if any).
(3) Each newly detected non-invasive cancer must not be related to a non-invasive cancer for which the company has already paid benefits to. And the remaining critical illness coverage benefits will be reduced according to the total paid non-invasive cancer benefits amount.