Explore our comprehensive critical illness insurance plans
HealthCover
HealthCover Plus
HealthCover Enhancer
Allianz i-Cancer Care
Prime Care+
PreciousCover and BabyCover
Lady Guard
1. What is critical illness insurance?
Critical illness insurance is a type of insurance that pays a lump sum benefit in the event that the insured person is diagnosed with a specific critical illness.
2. Why is critical illness insurance important?
Critical illness insurance holds the same importance as other types of insurance, offering long-term protection and providing peace of mind by ensuring there is financial security in place.
This type of insurance offers coverage for major medical conditions such as cancer, heart attack, stroke, Parkinson’s disease, diabetes, organ transplant and more, each of which can have significant financial implications. Critical illness insurance can serve as income replacement and is a vital complement to medical insurance, which may not cover all the associated costs of a critical illness, including loss of income, travel expenses for specialised treatments, or modifications to living spaces.
3. What are the critical illnesses covered by Allianz insurance policies?
Allianz Malaysia offers an extensive range of critical illness insurance policies, including Prime Care+ which covers over 150 critical illness conditions. These conditions encompass heart attack, cancer, Parkinson’s Disease, and stroke, each classified under three different stages—early, intermediate, or advanced.
The Healthcover range of critical illness insurance policies cover up to 70 critical illnesses, rotection against 7 additional critical illnesses for those below the age of 19, coverage of up to 100 years old and enhanced critical illness protection.
Critical illness insurance policies such as Lady Guard, PreciousCover and BabyCover provides medical coverage for mothers, child and female-related illnesses.
4. How can I select the right critical illness insurance policy?
Choosing the right critical illness insurance involves considering your individual needs, risk tolerance, and financial standing. Begin by evaluating the coverage amount, duration, and premiums that suit your requirements. Ensure that the features and benefits align with your needs. Most importantly, understand the plan’s exclusions and limitations by envisioning likely scenarios that might occur when you need to exercise the policy.
5. Can I purchase critical illness insurance in Malaysia if I have a pre-existing medical condition?
The possibility depends on the type of critical illness insurance offered. For further details on Allianz Malaysia's critical illness insurance plans, please refer to the respective product brochure or product disclosure sheet or speak to our agents.
6. Is critical illness insurance in Malaysia tax-deductible?
As per the latest guideline by the Inland Revenue Board of Malaysia (LHDN), critical illness insurance is tax-deductible, either by partial claim or full claim if the critical illness insurance is attached to your life insurance. Please note that the rules and regulations may change. Always refer to LHDN’s latest guidelines for accurate information.
7. How do I make a claim for critical illness insurance?
With a diagnosis of a critical illness that falls under the coverage of your critical illness insurance, contact your insurance company and provide the full details. Gather all the supporting documents for the diagnosis, complete the claim form provided by your insurance company and submit all documents together for processing and approval.
8. Is there any survival period required to be eligible in claiming Allianz's critical illness insurance?
A survival period may be required prior to the payment of benefit under the critical illness insurance and the period may vary among the various types of policies that Allianz Malaysia offers. Refer to the product brochure or product disclosure sheet and refer to the ‘Exclusion’ section for further details.
9. How can I apply for critical illness insurance with Allianz Malaysia?
To apply for any insurance plans with Allianz Malaysia including critical illness insurance plans, you may contact an Allianz Life Agent or reach out to us directly at 1-300-22-5542. We will assist you in a comprehensive manner, beginning by understanding your insurance needs and financial goals.
Allianz Critical Illness Insurance: The Essential Protection for You and Your Family
Prepare for life's unforeseen challenges by securing your financial future with Allianz's critical illness insurance plans. These plans provide comprehensive financial protection, ensuring you and your family can focus on a path of recovery should a critical illness strike.
Allianz offers seven critical illness plans tailored to meet different needs and situations.
Be Prepared for the Unexpected with Allianz HealthCover Critical Illness Insurance Plan
Being diagnosed with cancer or one of the many critical illnesses can be a frightening experience, taking a significant toll on both emotional and financial situations. Such burdens may catch someone off guard and overwhelm the patient and their family. By choosing Allianz HealthCover, you get a necessary financial safety net, ensuring robust financial coverage for yourself and your loved ones.
Protection for 36 Critical Illnesses with Allianz HealthCover
Allianz HealthCover offers comprehensive coverage for 36 critical illnesses, such as cancer and heart attack, with coverage for up to the age of 100. This plan provides financial safety, allowing you to focus on recuperation instead of financial worries should illness strike.
Allianz HealthCover Plus for Extensive Critical Illness Coverage
For more extensive coverage, Allianz HealthCover Plus covers 70 critical illnesses, including an additional 7 critical illnesses for individuals under 19.
Upgrade Your Protection with HealthCover Enhancer
The HealthCover Enhancer is a rider that you can attach to either HealthCover or HealthCover Plus. It offers additional medical insurance coverage and financial protection upon the first diagnosis of Carcinoma-in-Situ or pre-cancerous lesions.
Explore Allianz Malaysia's Range of Critical Illness Insurance Plans
Selecting the right critical illness insurance plan can be a life-changing choice for you. By exploring and understanding the wealth of plans at Allianz Malaysia, you can make an informed decision, ensuring your chosen policy meets your needs.
Allianz i-Cancer Care
Designed to provide coverage for cancer patients in early or advanced stages, Allianz i-Cancer Care provides three different plans to suit various levels of cancer protection needs. A lump sum health care allowance is given upon diagnosis of cancer.
Prime Care+
Prime Care+ offers extensive protection, covering over 150 critical illnesses from the Early to Advanced stages. This plan helps you seek early treatment before a covered critical illness worsens.
PreciousCover and BabyCover
PreciousCover and BabyCover focus on the unique coverage needs of mothers and babies. They include mental health coverage for mothers, child development disorder benefits, and prenatal and postnatal hospitalisation benefits.
Lady Guard
Lady Guard provides specialised coverage for female-related cancers and illnesses, such as breast cancer or cervix uteri. The plan allows them to plan ahead in coping with medical costs, financial constraints and future uncertainties.
Secure Your Health and Finances with Allianz Critical Illness Insurance
Critical illnesses carry physical and emotional tolls and can cause significant financial strain. Allianz's Critical Illness Plans, including HealthCover, HealthCover Plus, HealthCover Enhancer, Allianz i-Cancer Care, Prime Care+, PreciousCover, BabyCover and Lady Guard, provide comprehensive coverage tailored for every unique need.
We are committed to securing a better future by lifting your heavy burden off, especially on the financial constraints. Don't wait for the unexpected to happen - ensure your peace of mind and contact us today.
