Help And Support
Insurance - GREAT Term Guard
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Total and permanent disability
Total and permanent disability refers to an irrecoverable state of incapacity to perform any work or occupation to earn any income.
It may also refer to the following total and irrecoverable disability:
(a) loss of sight in both eyes; or
(b) loss of the use of 2 limbs at or above the wrist or ankle; or
(c) loss of the sight in 1 eye and loss of the use of 1 limb at or above the wrist or ankle. -
Terminal illness
Terminal illness refers to a definite diagnosis of an illness that is expected to result in the life assured’s death within 12 months.
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Critical illness
This policy covers the following 53 critical illnesses:
- Acute Necrohemorrhagic Pancreatitis
- Adrenalectomy for Adrenal Adenoma
- Alzheimer’s Disease/ Severe Dementia
- Angioplasty and Other Invasive Treatment For Coronary Artery*
- Benign Brain Tumour
- Blindness (Irreversible Loss of Sight)
- Chronic Auto-Immune Hepatitis
- Chronic Relapsing Pancreatitis
- Coma
- Coronary Artery By-Pass Surgery*
- Creutxfeld-Jacob Disease
- Deafness (Irreversible Loss of Hearing)
- Ebola
- Elephantiasis
- End Stage Kidney Failure
- End Stage Liver Failure
- End Stage Lung Disease
- Fulminant Hepatitis
- Heart Attack of Specified Severity*
- HIV due to Blood Transfusion and Occupationally Acquired HIV
- Idiopathic Parkinson’s Disease
- Infective Endocarditis
- Irreversible Aplastic Anaemia
- Irreversible Loss of Speech
- Loss of Independent Existence
- Major Burns
- Major Cancer*
- Major Head Trauma
- Major Organ/ Bone Marrow Transplantation
- Medullary Cystic Disease
- Motor Neurone Disease
- Multiple Root Avulsions of Brachial Plexus
- Multiple Sclerosis
- Muscular Dystrophy
- Necrotising Fasciitis
- Open Chest Heart Valve Surgery
- Open Chest Surgery to Aorta
- Other Serious Coronary Artery Disease*
- Paralysis (Irreversible Loss of use of limbs)
- Persistent Vegetative State (Apallic Syndrome)
- Poliomyelitis
- Primary Pulmonary Hypertension
- Progressive Scleroderma
- Progressive Supranuclear Palsy
- Resection of the whole small intestine (duodenum, jejunum and ileum)
- Severe Bacterial Meningitis
- Severe Eisenmenger’s Syndrome
- Severe Encephalitis
- Severe Myasthenia Gravis
- Severe Ulcerative Colitis
- Stroke with Permanent Neurological Deficit
- Surgery for Idiopathic Scoliosis
- Systemic Lupus Erythematosus with Lupus Nephritis
Please note the following conditions
For any illnesses indicated with asterisks (*), there is a waiting period of 90 days. You may claim for all other illnesses as soon as your policy is in force.For Angioplasty and Other Invasive Treatment for Coronary Artery, you will receive 10% of your selected coverage amount. However, you will continue to receive full coverage for the remaining benefits during the term of the policy. If no further claims are made, you will still receive a full refund of your premiums.