Critical Illness

Product Profile

Health is wealth. To maintain and enjoy a fulfilling lifestyle you and your family needs to be healthy. We all take our health for granted, not realizing that with our hectic schedules, a fast-paced life and demanding lifestyles, chances of health hazards have increased substantially. A (chronic or terminal) health problem can result in a sudden financial burden.

A critical illness doesn't come with medical and hospital expenses alone (direct medical expenses), but also have an adverse effect on your work, resulting in temporary loss of income. Adamjee Life offers a complete protection plan that covers you against 21 critical illnesses for a longer period, by providing you with the necessary financial assistance, irrespective of your actual medical expenses.

Policy Term

• 5 years

Benefits

Critical Illness: Sum Assured is paid if insured survives for at least 20 days after diagnosis of, or surgery for any of the following diseases:

• Cancer
• Heart Attack
• Stroke
• Coronary Artery Bypass Surgery
• Kidney Failure
• Major Organ Transplant
• Multiple Sclerosis
• Dementia inc Alzheimer's Disease
• Aorta Surgery
• Benign Brain Tumour
• Blindness
• Brain Surgery
• Coma
• Deafness
• Heart Valve Surgery
• Loss of Speech
• Loss of limbs
• Major Burns
• Motor Neurone Disease
• Paraplegia/Paralysis
• Parkinson's Disease

• No benefit is payable in respect of a critical illness diagnosed or operated for within a waiting period of 90 days from commencement or reinstatement
• Permanent Total Disability on Accident or Sickness – Any Occupation – Waiting Period of 30 Days: Sum Assured is paid after PTD has lasted uninterrupted for six consecutive months.

Advantages

TheADAMJEE LIFE critical illness plan is a "Health Care" Plan that gives you:

• Long term coverage against 21 critical illnesses
• On diagnosis of any of the covered critical illnesses, the critical illness sum insured will be paid. Thus, this plan provides you the freedom to choose the best possible health care available
• The benefit amount received can be used for medical expenses and will act as a supplement to your income during your treatment period

Who is eligible to apply?

This plan is offered to anyone in good health and who is between 20-55 years of age (renewable up to age 60).

Do I need any medical examination?

Adamjee Life at its expense may send you a full medical check up.

Are there any exclusion?

Pre-existing medical conditions related to Critical illness are excluded. Also, the normal exclusions that apply to most insurance policies are applicable. Refer to policy content.

What is Critical illness cover?

Critical illness cover is an insurance which pays you a tax-free sum of money if you are diagnosed as having a serious, chronic or terminal illness which is listed on the policy, or require a specific type of operation which is listed on the policy or you suffer from any condition or have an accident that totally and permanently prevents you from working.

Why do we need Critical illness cover?

Critical Illness is far more common than many of us think. The average age for a critical illness claimant is 47 (Source: Munich Reinsurance Co 2000). You may think that "it won't happen to me" and we genuinely hope that it won't, but please consider the following facts:

• 35% of men and 46% of women who have cancer survive at least 5 years
• 78% of stroke sufferers survive more than a year.
• 1 in 5 men and 1 in 6 women suffer a critical illness before their usual retirement age.
• 253,000 men were detected with lung cancer in Pakistan. This represents 83 cases per 100,000 men. 1,990 men were newly diagnosed with testicular cancer. This is a rate of 7 cases per 100,000 men.