Why do I need Generali eCritical Early Care?
The medical costs of treating critical illnesses can outstrip our finances especially when we’re not expecting and prepared for it. And even when you already have medical insurance in your hands, often, the policy does not offer coverage for any type of critical illness.
This is where a critical illness insurance policy such as Generali eCritical Early Care comes in handy. Not only is this policy readily available online, but you also don’t need to undergo a medical check-up before applying.
How does this critical illness policy work?
The Generali eCritical Early Care is a non-participating yearly renewable standalone online critical illness plan that provides financial coverage should you be diagnosed with the Early and Advanced Stages of any 50 critical illnesses, up to the age of 80.
With the basic sum insured between RM50,000 to RM250,000, Generali will pay you 50% of the basic sum insured in the case where you’ve been diagnosed with an Early Stage critical illness.
Whereas upon Advanced Stage critical illness diagnosis, you’ll get a lump sum of 100% of the basic sum insured, less any approved claims under Early Stage. And you’re also only allowed to make one (1) claim for each critical illness stage.
This plan will be terminated once 100% of the basic sum insured is fully paid. Additionally, the maximum aggregate amount payable on critical illness benefits under this plan is subject to RM2,000,000 per life.
What coverage can I claim from this insurance policy?
With the Generali eCritical Early Care, rest assured that you will be covered from any Heart, Brain, Ear, Eye, Limbs, Kidney, Liver, Lung, Muscle and other related critical illnesses.
Click to read the full details of the coverage.
When does the coverage start?
Once your policy has been issued, the coverage shall begin after the waiting period.
As such, you can expect the coverage for Cancer, Heart Attack, Coronary Artery Bypass Surgery, and other critical illness events categorised under Early Stage to start a 60-day waiting period after the issue date.
Meanwhile, for other critical illness events, the coverage will start a 30-day waiting period from the issue date.
What happens if I’ve been diagnosed with more than one covered critical illness at the same time?
Generali will pay for only (1) claim for either the covered critical illnesses under the Early Stage or Advanced Stage.
If you submit more than one claim with different critical illness conditions or different stages of critical disease, Generali will then pay for the highest amount of the claim.
The coverage will be terminated once 100% of the basic sum insured is fully paid.
What happens if I pass away during the policy’s term?
The Generali eCritical Early Care does not provide coverage for death. Hence, no benefit will be payable during the policy’s term if you pass away.
Click to read the Policy Contract and Product Information Sheet.
How can I make a claim?
You can claim to Generali by downloading the required documents available online at https://www.generali.com.my/contact-us or call the Generali Customer Care Hotline at 1300-88-1616, or visit their nearest branch.
The documents you should submit include:
- Claim Form (by claimant)
- Critical Illness Claim Form (by the doctor)
- Certified true copy NRIC of the insured
- Certified true copy of the report to confirm the illness (e.g. Histopathology/Dialysis/CT Scan/MRI)
Who do I contact for any inquiries?
For assistance and enquiries, you may contact Generali’s Customer Care Helpline at 1300-88-1616 (Monday to Thursday: 8.30 am - 5.30 pm, Friday: 8.30 am - 5.00 pm), email [email protected], or visit their nearest branch.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
