Strengthen Your Critical Illness Cover: Explore Additional Benefits

As with other insurance products, you can get the full kit and caboodle of critical illness benefits to further strengthen your critical illness policy. Of course, you will have to pay an additional premium for each rider you will add to your policy.

There is a full list of riders you can avail of with your critical illness policy:

Return of Premium Benefit. This will return all the premiums paid if some conditions are met.

If the policy remains in force for a specific number of years (say, 15 years) and is paid on time, all the premiums paid during those years will be refunded to the Insured.
If the policy reaches its full term (or if the insured has reached a certain age i.e. 65 years old) and no claim has been made, the premiums will be refunded.
For those who have child plans, the refund will be only a portion of the premiums, not the full 100%.

Other pending payments such as unpaid premiums will be deducted from the refund.

Disability Waiver. This s available only to a certain age (18 to 55 or 60). This will pay the premiums if you get disabled for a minimum of 6 months. The premiums will be waived for the duration of your disability. The coverage of the policy will not be affected. There is a limited number of months when the premiums are waived. The premium waiver will stop if:

You reach 65 years old
You have recovered and are no longer disabled
The policy coverage ends
You pass away

The disability should be due to sickness or injury caused by an accident. Premiums will not be waived the disability is caused by a self-inflicted injury, a hazardous sport, criminal acts, substance abuse, caused by AIDS or HIV or living abroad for an extended period of time. Premiums will also not be waived if the disability is due to acts of civil commotion or war or the insured’s failure to follow reasonable medical advice.

Option to Increase Cover. This is actually not a rider, but is offered in some policies. This gives you the option to increase your coverage up to a certain amount without needing to go through another medical exam or to provide the insurance company with additional medical information.

Cover Details
Type of Insurance
Type of cover
Over what period?
Amount of cover
Type of premium
Personal Details
Title
First Name
Last Name
Date of birth
Do you smoke?	No Yes
Email address
Home phone
Work phone
Mobile Phone
Is this a joint application?	No Yes
App. 2: Title
App. 2: First Name
App. 2: Last Name
App. 2: Date of birth
App. 2: Do you smoke?	No Yes
House Number
House/Flat name
Street
Area
Town
County
Postcode