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It covers Very Early, Early and Advance stage cancer diagnosis up to 300% of Sum Assured. Upon approval of a Very Early Stage or Early Stage cancer claim, all future premiums for the plan will be waived.

The maximum possible payout for a policy is 300% of the Basic Sum Assured (BSA). As long as the cancer claim is below this level, the Death/TPD benefit is still available.

There are two possible scenarios:
 

1. Cancer of the same organ

If the subsequent diagnosis is of the same cancer type or same organ as with the earlier claim(s), there would be an acceleration of the benefits from earlier stages.
For example, if you are diagnosed with a carcinoma in situ of left breast, which is a Very Early Stage cancer, this plan will provide a lump sum cash of 50% of the Basic Sum Assured (BSA). During the treatment process, if you are diagnosed with Early Stage right breast cancer, another 100% of the BSA will be payable to you. The remaining balance of 150% of BSA will be payable if you are diagnosed with Advanced Stage cancer.
 

(Note: “Same organ” shall refer to the same part of the body which serves the same function, inclusive of body parts that occur in pairs.)
 
However, if the subsequent diagnosis is for the same cancer type or same organ at same cancer stage, no benefit will be payable.
 
For example, if you are diagnosed with carcinoma in situ of left breast which is a Very Early Stage cancer, this plan will provide a lump sum cash of 50% of the BSA. During the treatment process, if you are diagnosed with carcinoma in situ of right breast, no benefit will be payable. The remaining balance of 250% of BSA will be payable should you be diagnosed with Advanced Stage cancer.
 

(Note: Same organ shall refer to the same part of the body which serves the same function, inclusive of body parts that occur in pairs.)
 
 

2. Cancer of different organs

If the subsequent diagnosis is for different cancer types or different organs, you are allowed to make multiple claims for the same stage of cancer subject to the maximum cap.
 
For example, if you are diagnosed with carcinoma in situ of breast which is a Very Early Stage cancer, this plan will provide lump sum cash of 50% of the BSA. During the treatment process, if you are diagnosed with “carcinoma in situ of colon”, another 50% of the BSA will be payable to you. After a few months, if you are diagnosed with the Early Stage of breast cancer, another 100% of the BSA will be payable. The remaining balance of 100% of BSA will be payable if you are diagnosed with Advanced Stage cancer.
 

The maximum possible payout for a policy is 300% of the BSA. As long as the cancer claim is below this level, the Death/TPD benefit is still available.

In the event that you have one or more valid claims of Very Early Stage and/or Early Stage cancer of the same type, or of the same organ during the policy term, your policy will be automatically extended for two years after the policy expiry date to cover any possible advanced cancer of the same type or of the same organ.

No, you may select your own care and decide how you want to spend your lump sum benefit. Your claim eligibility is not dependent upon the physician or hospital that you are seeking treatment from. 

Upon the approval of a Very Early Stage or Early Stage cancer claim or a TPD claim, all future premiums for your policy will be waived. 

Each customer is only allowed to one policy per life.

Yes, there are circumstances when a claim will be denied. For example, if the individual was diagnosed with cancer during the Waiting Period (the first 60 days after the policy takes effect), the cancer claim would not be admissible. For a detailed list of exclusions, please refer to the Product Disclosure Sheet and Policy Wording.

There will be a loyalty bonus for this policy whereby you will receive the rebate of 1 month premium (payable on 13th, 25th, 37th month of the policy term) if you maintain the policy with HLA. The bonuses will be payable via direct credit to your credit card account.

There are 4 policy terms available: 10 years, 15 years, 20 years and 25 years. The policy term is subject to your entry age as follows:-