What is Allianz 3H Cover & 3H Critical Cover?
Allianz 3H Cover is an investment-linked insurance plan that offers you protection against Death or Total and Permanent Disability. It is an insurance coverage plan offered specifically to customers who have one of the 3 Highs, being High Blood Pressure, High Cholesterol and High Body Mass Index (BMI). So if you currently have one of those Highs, give Allianz 3H Cover a try.
The 3H Critical Cover is rider that can be attached to this insurance plan. With 3H Critical Cover, you get additional coverage for key critical illnesses, namely;
- heart attack,
- kidney failure,
- and cancer.
Making this plan more versatile in coverage.
What else do I get?
This plan also comes with coverage for death, total and permanent disability as well as selected critical illnesses with the inclusion of the rider.
However this plan comes with several perks that can diversify your coverage options as you go. It is a product that rewards you with Life Assured, if you choose to change your lifestyle habits and improve the condition of your 3 Highs. Allianz will upgrade your plan to provide comprehensive coverage for further critical illnesses. Upgrading it to a 36 Illness critical illness insurance plan will ensure you have extended coverage should the need arise.
Another perk to look forward to is when your 3 Highs return to normal levels. Allianz will increase your coverage for Death and Total and Permanent Disability by 50%.
To ensure your upgrade request gets approved, remember to submit a regular certified medical or health report that reflects this change.
How much am I covered for?
For the Allianz 3H Cover, the minimum Sum Assured is RM5,000. Depending on your age, you can choose to increase your coverage up to a maximum of RM200,000 per life.
In the case of the 3H Critical Cover rider, the minimum Sum Assured is RM50,000. With this coverage as well, you can choose to increase your coverage up to a maximum of RM200,000 per life.
Who can apply for this protection?
Anyone between the age of 20 and 60 are eligible for this protection plan. After which, you can continue to renew the plan for coverage up to the maximum age of 85 years old.
This product is available to individuals with either one of the 3 Highs or a combination of them.