Protection by AXA Affin

PROTECTION  AXA Affin

AssureCare is designed to put in place a comprehensive set of financial options to help you overcome a life changing illness. With AssureCare, you will have access to the financial support that you need to put you on the path to recovery.

Key Benefits at a Glance:

·         comprehensive protection up to age 100 against 36 critical illnesses

·         additional fund annually for 5 years to aid your recovery

·         additional dividends to enhance your recovery fund

·         additional critical illness protection for your first 3 children

·         guaranteed level premium

·         legacy fund for your family

 

benefits for you and your loved ones

comprehensive protection up to age 100 against 36 critical illnesses

You will receive a guaranteed lump sum benefit* if you are diagnosed with one of the covered 36 critical illnesses to put you on the path to recovery. Recognizing that total & permanent disability can be just as devastating, you will have access to the lump sum benefit should it occur first before the age of 60.

* Lump sum benefit is the higher of basic sum insured or the total basic annual premium paid, excluding health loadings, if any.

additional fund annually for 5 years to aid your recovery

Critical illness often requires long period of rehabilitation. To aid your recovery, we will provide additional fund, equivalent to 20% of the basic sum insured annually over a period of 5 years.
 

Should you made a complete recovery before the 5th year, the additional fund will still be made available to you over the entire period of 5 years as we understand a life-changing event will require all the financial support you need.
 

additional dividends to enhance your recovery fund

Starting from the end of 3rd policy year, you may receive annual cash dividends which you can choose to accumulate into a supplementary fund to enhance your recovery fund. This fund is further supplemented by potentially additional terminal dividends.

additional critical illness protection for your first 3 children

Knowing that critical illness can strike at an early age, we have built in the assurance of additional critical illness protection for your first 3 children until their 17th birthday. This additional protection is in addition to your basic sum insured and is equivalent to 20% of the basic sum insured for up to a maximum of RM25,000 for each child.

guaranteed level premium

Your premiums are fixed and guaranteed to remain the same throughout the entire duration of your policy to ensure that you are not burdened by increasing premium.

legacy fund for your loved ones

Should the unfortunate event of death occurring first, the guaranteed lump sum benefit plus all the accruing benefits of accumulated annual dividends and terminal dividends will then be channeled to your loved ones.

list of covered critical illnesses

1.  Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders	19.  HIV due to blood transfusion
2.  Bacterial Meningitis	20.  Loss of Independent Existence
3.  Benign Brain Tumor	21.  Loss of Speech
4.  Blindness / Total Loss of Sight	22.  Major Burns
5.  Brain Surgery	23.  Major Head Trauma
6.  Cancer	24.  Major Organ / Bone Marrow Transplant
7.  Chronic Aplastic Anemia	25.  Medullary Cystic Disease
8.  Coma	26.  Motor Neuron Disease
9.  Coronary Artery By-Pass Surgery	27.  Multiple Sclerosis
10.  Deafness / Total Loss of Hearings	28.  Muscular Dystrophy
11.  Encephalitis	29.  Other Serious Coronary Artery Disease
12.  End Stage Kidney Failure	30.  Paralysis / Paraplegia
13.  End Stage Liver Failure	31.  Parkinson’s Disease
14.  End Stage Lung Disease	32.  Primary Pulmonary Arterial Hypertension
15.  Full Blown AIDS	33.  Severe Cardiomyopathy
16.  Fulminant Viral Hepatitis	34.  Stroke
17.  Heart Attack	35.  Surgery to Aorta
18.  Heart Valve Surgery	36.  Systemic Lupus Erythematosus with Lupus Nephritis