RHB Critical Guard Insurance

Prepare yourself for even the worst situations with the RHB Critical Guard Insurance - you will be financially secure to concentrate on your critical illness recovery.

RHB Critical Guard InsuranceAdditional benefits
Min Sum Assured
RM50k
No. of Illness
36
Entry Age
30 days - 60 years
Max Cover Age
Not applicable
Early Stage Coverage
Yes

Coverage

What can I claim from this insurance policy?

Cancer
  • Cancer
Major Organ Failure
  • End-stage Kidney Disease
  • Bone Marrow Transplant
  • Medullary Cystic Disease
  • Systemic Lupus Erythematosus With Lupus Nephritis
  • End-Stage Liver Disease
  • Fulminant Viral Hepatitis
  • Primary Pulmonary Arterial Hypertension
  • Chronic Aplastic Anemia
  • Terminal Illness
  • Major Organ Transplant
Heart Related
  • Heart Attack
  • Other Serious Coronary Artery Disease
  • Heart Valve Surgery
  • Surgery To Aorta
  • Severe Cardiomyopathy
Brain Related
  • Benign Brain Tumor
  • Coma
  • Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
  • Loss Of Independent Existence
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson's Disease
  • Stroke
Infection Related
  • Bacterial Meningitis
  • Encephalitis
  • HIV Due To Blood Transfusion
Accident Related
  • Major Burns
  • Major Head Trauma
Sensory Loss
  • Deafness Or Total Loss Of Hearing
  • Loss Of Speech
  • Blindness Or Total Loss Of Sight
Women Related
  • Women Cancer
  • Breast Lumpectomy Due To Carcinoma-In-Situ
  • Breast Lumpectomy Due To Cancer Or Accident
Special Benefits
  • Appalic Syndrome
  • Poliomyelitis

Contact Info

Who do I contact for any inquiries?

RHB Insurance Customer Care Hotline

Requirements

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 70 years of age

More Information

Tell me about the RHB Critical Guard Insurance

RHB's Critical Guard is comprehensive critical illness insurance made for the working-class person in mind. 

With four plans to choose from and affordable premiums, there is little to complain about where this critical illness policy is concerned.

This critical illness policy is available to both adults and children, so parents who’d like to include your kids, they need only be more than 30 days of age. 

The maximum entry age for this policy is 60 years old after which, you can continue to renew the policy till the age of 70. 

How much does the critical illness insurance cover? 

This critical illness insurance covers an extensive list of critical illnesses from cancer to heart disease, including kidney or liver failure, brain surgery, burns, trauma and organ transplants should you need it.

However, it does not cover, pre-existing illnesses or disabilities. 

Another exclusion is any condition resulting from the use or existence of nuclear weapons materials, or ionizing radiation from contamination by radioactivity. 

Besides that, insanity, self-inflicted harm, suicide or any attempt at threat to your life or someone else is not covered under the health insurance policy.

There is a waiting period from registration to the approval of your policy, any critical illness discovered in that period will not be covered under the health insurance policy.

What are the benefits of this health insurance?

Besides the fact you have 4 plans to choose from each plan will offer you a full lump sum payout should you be diagnosed with any of the critical illnesses covered by the plan, there are other benefits of this health insurance. 

If you are so lucky not to have contracted a critical illness, there is a loyalty benefit for you to indulge in. 

RHB will increase the principal sum assured by 10% each year you do not make a claim up to a maximum of 50%.

If however, you are diagnosed with a certain specific critical illness you will be given an additional 10% in your payout of the Principal sum.

Can I cancel my RHB Critical Guard Insurance and get a refund?

Cancellations are a delicate area when it comes to critical illness insurance policies. 

There is indeed a 15-day cooling period from the time you get your RHB Critical Guard Insurance approved where you can write to RHB asking for a cancellation. 

It is in this cooling period that you will get back any premiums you have already paid.

Should you decide half way thorough your contract that you no longer need the health insurance plan, then the same rules apply where you will need to write to RHB notifying them of your cancellation, but there will need to be a negotiation where the refund is concerned.