Living Care

Living Care provides coverage for you when you suffer a critical illness. Protect your health today with our 36 Critical Illness protection plan so you can concentrate on your recovery.


This insurance policy pays the Insured Person a lump sum cash payment specified in the policy schedule if such Insured Person is first diagnosed with any of the Critical Illnesses specified in the policy subject to the Insured Person surviving for not less than fourteen (14) days after such diagnosis.

This product covers the following 36 critical illnesses:-

  • Alzheimer's Disease/Severe Dementia
  • Angioplasty and other invasive treatments for coronary artery disease
  • Bacterial Meningitis
  • Benign Brain Tumor
  • Blindness
  • Brain Surgery
  • Cancer
  • Chronic Aplastic Anemia
  • Coma
  • Coronary Artery By-Pass Surgery
  • Deafness
  • Encephalitis
  • Kidney Failure
  • End-Stage Liver Failure
  • End-Stage Lung Disease
  • Full-blown AIDS
  • Fulminant Viral Hepatitis
  • Heart Attack
  • Heart Valve Surgery
  • HIV Infection Due To Blood Transfusion
  • Loss of Speech
  • Third Degree Burns
  • Major Head Trauma
  • Major Organ / Bone Marrow Transplant                               
  • Medullary Cystic Disease
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Serious Coronary Artery Disease
  • Paralysis of limbs
  • Parkinson's Disease
  • Primary Pulmonary Arterial Hypertension
  • Cardiomyopathy
  • Stroke
  • Surgery to Aorta
  • Systemic Lupus Erythematosus With Severe Kidney Complications

Please click here to view the Living Care's premium table.


Any Malaysian from age 19 to 60 and is renewable up to 65 years old. Dependent children (unmarried & unemployed) must be 30 days and under the age of 19 or up to age of 23 for those who are registered as full time students at recognised educational institutions in Malaysia.


Period of Cover and Renewal Options

The Policy shall become effective as of the date stated in the Schedule. The Policy Anniversary shall be one year after the effective date and annually thereafter. On each such anniversary, this Policy is renewable at the premium rates in effect at that time as notified by the Company. A notice of 30 days will be given should any premium rate be increased. 


Factors contributing to the increase of renewal premium are your age and your claims experience. Renewal will not be invited once you attain the maximum age limit of this product.


This Policy is renewable at the option of the policyholder subject to terms and conditions at each policy anniversary. Application for change of benefits to a higher plan can only be made on renewal and is subject to acceptance by the Company.

You should provide sufficient and accurate information to us or our intermediary to enable us to advise you on the Medical and Health insurance which suits your needs.


  • Importance of Disclosure

Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form. You must answer the questions fully and accurately.


Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.


The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.


In addition to answering the questions in the Proposal Form, you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.


You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form is inaccurate or has changed.


  • Pre-Existing Illness

Pre-existing Illness shall mean disabilities that existed before the Effective date of Insurance that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:-


a) the Insured Person had received or is receiving treatment;

b) medical advice, diagnosis, care or treatment has been recommended;

c) clear and distinct symptoms are or were evident; or

d) its existence would have been apparent to a reasonable person in the circumstances


  • Cooling-Off Period

If this Policy shall have been issued and for any reason whatsoever the Insured Person shall decide not to take up the Policy, the Insured Person may return the Policy to the Company for cancellation provided such request for cancellation is delivered by the Insured Person to the Company within fifteen (15) days from the date of issue of the Policy. The Insured Person is entitled to the return of the full premium paid less deduction of medical expenses by the Company in the issuance of the Policy.

  • Unless renewed, the coverage will cease on expiry date and the insurance company shall strictly not be liable for any expenses that take place after the expiry date.
  • You are advised to keep the receipt as proof of payment of premium for premium made.
  • It may not be advantageous to switch insurance policy / insurer because you may be subjected to new terms and conditions of the new policy or of the new insurer.


  • Survival Period

This refers to the duration of 14 days from (and including) the date of diagnosis of the Critical Illness after the Waiting Period.


  • Juvenile Lien

Upon diagnosis of critical illness covered prior to the Insured Person attaining the age of 5 years old, the benefit payable shall be reduced by the percentage of the juvenile lien in accordance with the following table:

Age attained at diagnosis Percentage of claims payable
0 to less than 2 years 20%
2 to less than 3 years 40%
3 to less than 4 years 60%
4 to less than 5 years 80%

This Policy does not cover:-

The Company shall not be liable in respect of any of the Critical Illnesses directly or indirectly contributed by the following, and no Benefit shall be payable if:

  1. The signs or symptoms of the Critical Illnesses are manifested prior to or:
    • Within the Waiting Period of sixty (60) days for:
      • Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease;
      • Cancer;
      • Coronary Artery By-Pass Surgery;
      • Heart Attack;
      • Other Serious Coronary Artery Disease; or
    • Within the Waiting Period of thirty (30) days for all other Critical Illnesses.
  2. The Critical Illness arising from a Pre-Existing Condition which existed prior to the risk commencement date or reinstatement date of the Insured Person whichever is later.
  3. The Critical Illness, which in the Company’s opinion, was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immunodeficiency Virus (HIV) infection. The Company reserves the right to require the Insured Person to undergo a blood test for HIV as a condition precedent to acceptance of any claim. The exception is when there is Full Blown AIDS or HIV due to Blood Transfusion, as defined in the Policy. For the purpose of this Policy:
    • the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition;
    • infection shall be deemed to have occurred when blood or other relevant test(s) indicate, in the Company’s opinion, either the presence of any Human Immunodeficiency Virus or Antibodies to such Virus.
  4. Any Critical Illness diagnosed due, directly or indirectly, to a Congenital Defect or Disease.
  5. Any Critical Illness caused by self-inflicted injury, while sane or insane.
  6. Any Critical Illness resulting directly from alcohol or drug abuse.
  7. Death of the Insured Person within the Survival Period following the date of diagnosis of any Critical Illness.
  8. Any Critical Illness consequent upon War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
  9. Any Critical Illness caused directly or indirectly by ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
  10. It is condition precedent to the Company’s liability that any person covered in this Policy shall not in any way, directly or indirectly, be involved in any of the following occupations or duties:
    • Airline crew, Army personnel, Ship crew and/or workers on board vessels;
    • Occupations involving diving, oil-rig platform and/or offshore work (non-administrative);
    • Occupations involving work at heights exceeding 30 feet above ground or floor level or underground;
    • Occupations involving manual work in hazardous places such as shipyard, dockyard, airplane hangar and oil refinery; and
    • Doctors and/or Nurses


Unless applications for coverage for such occupations from persons insured had been received and approved by the Company in writing.

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