Sun Critical Elite

Coverage for 46 Critical Illnesses

• Receive financial protection upon diagnosis of any of the 46 covered critical illnesses. If the person covered is diagnosed with a covered critical illness (except Angioplasty and Other Invasive Treatments for Coronary Artery Disease), the higher of the following will be payable:
  • The sum covered for Critical Illness Benefit; or
  • 110% of the total contribution paid less total loyalty benefit paid as at the date of diagnosis of critical illness.

Genomic Testing Benefit

• For contracts with a sum covered of RM1,000,000 and above, an additional RM20,000 will be payable upon approval of a cancer claim

Loyalty Benefit

• Enjoy loyalty payouts throughout your coverage term, provided that your contracts remains in force and contributions are paid up to date:
  • For the 20-year plan, 50% of the annualised takaful contribution is payable at the end of every 2 contract years
  • For the 30-year plan, 75% of the annualised takaful contribution is payable at the end of every 3 contract years

Expert Medical Opinion and Case Management Service

• Get additional support when it matters most:
  • Independent Expert Medical Opinion from a global network of 53,000+ medical experts to help validate your diagnosis and treatment options.
  • Personalized Doctor Matching to connect you with suitable specialists for your medical condition.
  • Dedicated Physician Case Manager providing guidance and coordination throughout your healthcare journey.
  • Patient Advocacy Support to help you navigate treatment decisions with greater confidence and clarity

Compassionate Benefit

• In the event of death of the person covered, the following benefit will be payable:
  • 10% of the sum covered for Critical Illness Benefit; or
  • 100% of the value of the Participant’s Account.
• Additional Accidental Death Benefit
  • Upon accidental death of the person covered, an additional 10% of the sum covered will be payable, subject to the terms and conditions of the certificate.