Critical Illness (CI) Benefit Sample Clauses

Critical Illness (CI) Benefit. We will not pay any Benefit if the CI is directly or indirectly, wholly or partly caused by: • A Pre-existing condition; • Intentional acts (sane or insane) such as self-inflicted injuries, suicide or attempted suicide; • Effects of drug or alcohol addiction; or • Acquired Immune Deficiency Syndrome (AIDS), AIDS-related conditions or infection in the presence of Human Immunodeficiency Virus (HIV) except HIV due to blood transfusion and occupationally acquired HIV.

Critical Illness (CI) Benefit. This rider pays the CI Benefit as an advancement of the death Benefit of the Basic policy if the Life insured is diagnosed with a covered CI at the early, intermediate or severe stage while the rider is in force. If the Life insured is diagnosed with an early or intermediate stage of a covered CI, We will pay the CI Benefit subject to the maximum aggregate amount and waive all future Premiums for this rider starting from the next Premium due date immediately after the date of diagnosis. We will only provide a maximum aggregate amount of S$2,000,000 per Life insured for early, intermediate or severe stages of CI, subject to a cap of S$350,000 per Life insured for early or intermediate stages of CI, for all policies and riders issued by Us with CI Benefits. Upon payment of the CI Benefit for an early or intermediate stage of a covered CI, this rider will continue with the remaining CI Benefit (if any) to be payable upon the diagnosis of a severe-stage covered CI. If the CI Benefit payable is lesser than the death Benefit of the Basic policy, the death Benefit of the Basic policy will be reduced by the amount paid for the CI. The policy remains in force and the remaining death Benefit is the original death Benefit less the amount paid for CI. If the CI Benefit payable is the same as the death Benefit of the Basic policy, both the Basic policy and the CI Benefit of this rider ends when We make this payment. If the death Benefit of the Basic policy is reduced due to a claim for Terminal illness Benefit under the Basic policy or Total and permanent disability Benefit under any other riders, We will reduce the CI Benefit of this rider proportionally. The Premium of the rider will be reduced accordingly and You must continue to pay the revised Premiums to keep this rider in force. Please refer to Appendix A for the list of covered CI and their definitions.

Critical Illness (CI) Benefit. If the Life insured is diagnosed with any of the covered severe-stage CI (except for Angioplasty & Other Invasive Treatment for Coronary Artery) while the rider is in force, We will pay the CI Benefit in one lump sum as an advancement of the Death Benefit of the Basic policy. When We make this payment, both the rider and the Basic policy ends. If the Life insured is diagnosed with Angioplasty & Other Invasive Treatment for Coronary Artery, We will pay 10% of the CI Benefit, subject to a maximum amount of S$25,000 per policy. This is only payable once and the CI Benefit will be reduced accordingly after such payment has been made. You must continue to pay the revised insurance charge to keep the rider in force. The maximum aggregate amount payable is Two Million Singapore Dollars (S$2,000,000) per Life insured for all policies and riders issued by Us with CI Benefits. The 36 covered critical illnesses are listed below: No. List of covered critical illnesses 2 Heart Attack of Specified Severity* 3 Stroke with Permanent Neurological Deficit* 4 Coronary Artery By-pass Surgery* 5 End Stage Kidney Failure* 6 Irreversible Aplastic Anaemia* 7 End Stage Lung Disease* 8 End Stage Liver Failure*