Critical Illnesses Covered by AIA PBCI Rider

Waiting Period

This rider will not cover any critical illness or disorders confirmed by a medical practitioner occurring within 60 days following the date on which this contract is issued or reinstated, whichever is later.

Some Exclusions of AIA PBCI Rider

1. This rider consists of a waiting period according to the conditions stipulated therein.
2. Critical illness disorders confirmed by a medical practitioner before the date this contract is issued or reinstated, whichever is later, will not be covered, excluding those which the premium payer. has declared to the Company and which the Company has accepted the risks.
3. Suicide, self-inflicted injury or an attempt to take such action.
4. Critical illnesses resulting from HIV positive infections or conditions of AIDS.
5. Injuries caused by the premium payer while under the influence of alcohol, addictive substances, or narcotic drugs that impair the Insured’s mental faculties.

Requirements

• Insurable age of juvenile covered: 1 month - 15 years
• Insurable age of the premium payer: 20-70 years
• Coverage period: Until the basic plan has reached the end of premium payment or until the Insured reaches the age of 25, or until the premium payer reaches the age of 80, whichever is earlier

Premium Rates

Standard annual premium rates for the premium payer age of 20 - 70 (depending on gender and age of the Insured and premium payer as well as coverage period, excluding increased premiums due to occupational class of the premium payer).
 

 

*The coverage period is calculated using the least value of the following numbers:

1. The premium payment period of the basic plan
2. 25 years minus the age of the juvenile
3. 80 years minus the age of the premium payer