Agency Product Write-Up (For Internal Reference Only)

Great Multi Cancer Care Special (Plan Code: 0535)

Plan Name : Great Multi Cancer Care Special 美满癌症全面保障
Plan Code : 0535
Plan Abbreviation : GMCC-S
Launch Date : 21 March 2022

PLAN DESCRIPTION
1. This is a non-participating whole life plan that matures at 85 years old next birthday.
2. This plan provides Cancer Benefit, Death Benefit and Maturity Benefit. It also provides additional benefit
such as Recovery Benefit, Benign Tumour Suspicious of Malignancy and with Surgical Excision Benefit
and Bereavement Benefit.
3. This plan does not require medical underwriting.

BENEFITS
1. Cancer Benefit
Upon occurrence of cancer to the Life Assured, the benefit will be payable as per the table below.
Multiple claims can be made under this benefits, subject to the terms and conditions.

No. Stage Benefit Payout

1 Early Stage 50% of the basic sum assured
2 Intermediate Stage 100% of the basic sum assured
3 Advanced Stage 100% of the basic sum assured or total premium
paid without interest, whichever is higher

Notes:
i. The benefit for each stage is payable once only. Once a claim has been made, no future claims
can be made from the lower stage.
ii. If the Life Assured is diagnosed with Intermediate Stage Cancer within 6 months from the
diagnosis date of Early Stage Cancer, the Intermediate Stage Cancer benefit is subject to the
deduction of any claim payout for Early Stage Cancer.
iii. The basic sum assured payable for Advanced Stage Cancer Benefit is subject to the deduction
of any claim payout for Early Stage Cancer if:
a) the Advanced Stage Cancer is diagnosed within 3 months from the diagnosis date of Early
Stage Cancer; and
b) the Early Stage Cancer is of the same organ or same side of the paired organ.
iv. A waiting period of 60 days shall apply for all stages of Cancer.
v. No waiting period between the submission of claims.
vi. Upon a claim on Early or Intermediate Stage Cancer, the premium will remain the same.
vii. Premiums becoming due under this plan are no longer required to be paid upon Advanced
Stage Cancer. All benefits will cease upon Advanced Stage Cancer except for Recovery
Benefit.

2. Recovery Benefit
Upon diagnosis of Advanced Stage Cancer, 50% of the basic sum assured will be payable together
with the Advanced Stage Cancer Benefit. An additional 50% of the basic sum assured will be
payable 1 year after the diagnosis date of Advanced Stage Cancer and the policy will be terminated
thereafter.

3. Benign Tumour Suspicious of Malignancy and with Surgical Excision Benefit

If the Life Assured is diagnosed with benign tumour suspicious of malignancy and with surgical
excision in the covered organs or sites or anatomical spaces, an additional 10% of the basic sum
assured will be payable, subject to a maximum amount of RM25,000 per life.

Note: A waiting period of 60 days shall apply.

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 Agency Product Write-Up (For Internal Reference Only)

Great Multi Cancer Care Special (Plan Code: 0535)

4. Death Benefit
Upon death of the Life Assured, the higher of the total premiums paid without interest or cash value
will be payable in one lump sum.

5. Bereavement Benefit
Upon death of the Life Assured, an additional amount will be payable on top of the Death Benefit as
follows:
Bereavement Benefit
Policy Year
(% of Basic Sum Assured)
1 – 10 1%
11 – 20 2%
21 – 30 3%
31 – 40 4%
41 – 50 5%
51 – 60 6%
61 – 67 7%

6. Maturity Benefit
Upon the survival of the life assured to the policy anniversary on which the life assured’s age is 85
years next birthday, the following will be payable.
Entry Age Next Birthday Maturity Benefit
≤ 40 150% of total premiums paid without interest
> 40 100% of total premiums paid without interest

PREMIUM
1. Premium Rates
Premium rates vary by entry age next birthday, smoker status and gender. Premium rates are non-
guaranteed. Please refer to Appendix 1 for the premium rates.

2. Premium Payment Modes and Modal Factors

a) Annual, Half Yearly, Quarterly and Monthly.
b) Standard factors apply for mode other than annual mode.

Mode of premium payments Factors

Half Yearly 0.5100
Quarterly 0.2575
Monthly 0.0875

3. Premium Payment Method

Internet Banking, Credit Card, JomPay, GIRO, ePAY or Collecting Bank (over-the-counter, ATM &
cheque deposit machine). However, cheque is not allowed for monthly mode of payment.

4. Premium Payment Term

Same as policy term.

5. Advanced Premium
Allowed.

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 Agency Product Write-Up (For Internal Reference Only)

Great Multi Cancer Care Special (Plan Code: 0535)

DISCOUNT
1. Large Sum Assured Discount
Not applicable.

UNDERWRITING
1. Entry Age
Minimum: 18 years old next birthday
Maximum: 60 years old next birthday

2. Policy Term
85 – entry age of Life Assured.

3. Sum Assured
Minimum: RM50,000
Maximum: RM250,000 (per life)

Notes:
i. The combined sum assured per life limit for this plan, GMCC (Plan Code: 0534), GECC (Plan
Code: 0443) and GECC-S (Plan Code: 0440) is RM1,000,000. 2 times of the sum assured for
this plan and GMCC (Plan Code: 0534) will be used to calculate the combined sum assured
per life limit.
ii. Sum assured is not subject to aggregated maximum SA (e.g. RM4,000,000) of critical illness
limit under Agency Channel on any one life under all policies issued by the Company. The sum
assured also not subject to aggregated maximum SA RM350,000 for Great Early Living Care
(Plan Code: 0424) and Great Early VantageCare (Plan Code: 0437).

4. Backdating
Allowed up to 3 months and provided the Life Assured is within the maximum eligible entry age, i.e.
on or before 60 years next birthday at the point of submitting the proposal.

5. Underwriting Requirement
Underwriting Guidelines
a) There will be no medical underwriting for this plan.
b) Financial underwriting will be subject to AML/Compliance guidelines. The guideline of
premium/ income ratio is not applicable for this product.
c) This plan is applicable for Malaysian only.

Note: NML is not applicable to this product. However, 200% SA of this product will be considered
for calculation of NML upon any subsequent policy that is purchased with the company.

CHANGES IN SUM ASSURED

1. Increase Sum Assured
Not allowed after the policy is inforce.

2. Decrease Sum Assured

Policyholder may decrease the sum assured at anytime, subject to the minimum sum assured limit
and provided no claim has been admitted. Decrease in sum assured can only take effect from next
premium due date.

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Great Multi Cancer Care Special (Plan Code: 0535)

OTHER PRODUCT FEATURES
1. Surrender
Guaranteed cash value is available after the payment of 2 years premium. Upon surrender of the
policy, the guaranteed cash value shall be payable, subject to the deduction of any indebtedness
to the company. The computation of cash value will be based on 100% of sum assured.

Note: The cash value will not be payable once there is a claim on Advanced Stage Cancer.

2. Partial Surrender
Allowed, refer to “Decrease in Sum Assured”.

3. Policy Loans
Up to 92% of the cash value.

4. Automatic Premium Loan

After the policy has acquired cash values, the policy shall not become void for non-payment of
renewal premium after the 30 days grace period so long as the cash values are sufficient to advance
the premium due.

5. Extended Term Assurance

Not allowed.

6. Paid-up Assurance
After the policy has acquired cash values, the policy may be converted to a non-participating Paid-
up Assurance with a reduced sum assured payable in the event of death of the Life Assured or on
the Life Assured’s survival to maturity date of the policy.

If the cash value is more than the amount required to convert this policy into the paid-up assurance,
the excess amount (if any) will be refunded in cash at the date of conversion.

Cancer Benefit, Recovery Benefit, Benign Tumour Suspicious of Malignancy and with Surgical
Excision Benefit and Bereavement Benefit shall cease upon conversion to Paid-up Assurance.

7. Replacement of Policy
Applicable. An agent or agency leader may not receive any compensation with respect to a policy,
which replaced another policy within a duration of less than 12 months before or after the original
policy discontinued subject to the current practice.

8. Free-Look Period
Policyholder is allowed to cancel the policy within 15 days. Under such circumstance, total premium
paid minus the expenses incurred for medical examination (if any) will be refunded and commissions
will be clawed back accordingly.

9. Assignment / Nomination
Allowed.

10. 3rd Party Policy

Allowed.

11. Reinstatement
Allowed within 3 months from the lapsed date and health warranty is not required upon
reinstatement. Waiting Period shall apply again upon reinstatement.

12. Vesting for Child

Standard vesting provision shall apply.

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Great Multi Cancer Care Special (Plan Code: 0535)

13. Change of Plan at CS Stage
Not allowed.

OTHER PRIVILEGES
1. Option to Purchase a New Policy (Standard life only)
Not applicable

2. Option to BuyBack (Standard life only)

Not applicable

3. Conversion Privilege
Not applicable

ATTACHABLE RIDERS
Nil.

EXCLUSIONS
i. Death during the first policy year from the risk commencement date or from the date of any reinstatement,
whichever is later, as a result of suicide, while sane or insane.
ii. The Company will not be liable for any Cancer Benefit, Recovery Benefit and Benign Tumour Suspicious
of Malignancy and with Surgical Excision Benefit if the cancer or benign tumour:
 is diagnosed or occurred prior to the risk commencement date or the date of any reinstatement or
during the waiting period.
 Metastasis is diagnosed prior to the risk commencement date or the date of any reinstatement or
during the waiting period.
 was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS)
or by the presence of any Human Immuno-deficiency Virus (HIV) infection.

Note: The exclusion list may not be exhaustive. For full list of the exclusions, please refer to the policy
contract.

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 Agency Product Write-Up (For Internal Reference Only)

Great Multi Cancer Care Special (Plan Code: 0535)

APPENDIX 1: PREMIUM RATES
Premium Rates per RM1,000 sum assured

ANB MNS MS FNS FS ANB MNS MS FNS FS

18 8.90 10.25 12.45 14.40 40 23.30 30.25 32.45 43.50
19 9.10 11.00 12.50 15.30 41 24.50 32.25 33.55 45.80
20 9.35 11.60 12.65 16.00 42 25.70 34.25 34.65 48.10
21 9.65 12.15 12.70 17.00 43 26.90 36.25 35.75 50.40
22 10.15 12.70 13.50 17.90 44 28.10 38.25 36.85 52.70
23 10.65 13.30 14.25 18.80 45 29.25 40.05 37.95 55.00
24 11.15 13.90 15.10 19.70 46 31.35 44.10 40.00 59.40
25 11.70 14.50 15.90 20.60 47 33.90 48.15 42.05 63.80
26 12.20 15.20 16.70 21.55 48 36.35 52.20 44.10 68.20
27 12.70 15.90 17.45 22.70 49 38.85 56.25 46.15 72.60
28 13.20 16.60 18.15 23.85 50 41.30 60.25 48.00 76.95
29 13.70 17.30 18.90 25.05 51 46.00 70.30 51.35 83.35
30 14.05 17.85 19.65 26.20 52 50.70 80.35 54.70 89.75
31 14.80 18.65 20.40 27.40 53 55.40 90.40 58.05 96.15
32 15.55 19.80 21.60 28.75 54 60.10 100.45 61.40 102.55
33 16.30 21.05 22.70 30.15 55 64.70 110.45 64.70 108.90
34 17.05 22.30 23.90 31.50 56 71.90 128.50 72.30 125.60
35 17.80 23.50 25.00 32.90 57 79.10 146.55 79.90 142.30
36 18.90 24.85 26.50 35.05 58 86.30 164.60 87.50 159.00
37 20.00 26.20 28.00 37.20 59 93.50 182.65 95.10 175.70
38 21.10 27.55 29.50 39.35 60 100.70 200.60 102.55 192.30
39 22.20 28.90 31.00 41.50

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Great Multi Cancer Care Special (Plan Code: 0535)

APPENDIX 2: DEFINITION
Early Stage Cancer
(a) Carcinoma in situ
Carcinoma in situ (CIS) means the focal autonomous new growth of carcinomatous cells confined to
the cells in which it originated and has not yet resulted in the invasion and/or destruction of surrounding
tissues. 'Invasion' means an infiltration and/or active destruction of normal tissue beyond the basement
membrane.

The diagnosis of the Carcinoma in situ must always be supported by a histopathological report.
Furthermore, the diagnosis of Carcinoma in situ must always be positively diagnosed upon the basis of
a microscopic examination of the fixed tissue, supported by a biopsy result. Clinical diagnosis does not
meet this standard.

In the case of the cervix uteri, Pap smear alone is not acceptable and should be accompanied with cone
biopsy or colposcopy with the cervical biopsy report clearly indicating presence of CIS. Clinical diagnosis
or Cervical Intraepithelial Neoplasia (CIN) classification which reports CIN I, CIN II and CIN III (where
there is severe dysplasia without carcinoma in situ) does not meet the required definition and are
specifically not covered. Non-melanoma CIS of the skin is also specifically not covered. This coverage
is available to the first occurrence of CIS only; or

(b) Early Prostate Cancer

Prostate Cancer that is histologically described using the TNM Classification as T1a or T1b or T1c or
Prostate cancers described using another equivalent classification; or

(c) Early Thyroid Cancer

Thyroid Cancer that is histologically described using the TNM Classification as T1N0M0 including
Papillary microcarcinoma of thyroid; or

(d) Early Bladder Cancer

Bladder Cancer that is histologically described using the TNM Classification as T1N0M0 including
Papillary carcinoma (Ta) of Bladder; or

(e) Early Chronic Lymphocytic Leukaemia

Chronic Lymphoctic Leukaemia (CLL) RAI Stage 1 or 2. CLL RAI stage 0 or lower is not covered.

Intermediate Stage Cancer

Carcinoma in Situ of Specified Organs Treated with Radical Surgery
The actual undergoing of a Radical Surgery due to Carcinoma in situ. The Radical Surgery must be certified
to be absolutely necessary by a specialist in the relevant field.

“Radical Surgery” is defined in this Policy as:

i) the total and complete removal of one (1) of the following organs: breast (mastectomy), prostate
(prostatectomy), corpus uteri (hysterectomy), ovary (oopherectomy), fallopian tube (salpingectomy); or
ii) partial removal of colon (partial colectomy with end-to-end anastomosis) or stomach (partial gastrectomy
with end-to-end anastomosis).

The Diagnosis of the Carcinoma in situ must always be supported by a histopathological report.
Furthermore, the Diagnosis of Carcinoma in situ must always be positively diagnosed upon the basis of a
microscopic examination of the fixed tissue, supported by a biopsy result. Clinical Diagnosis does not meet
this standard.

Early prostate cancer that is histologically described using the TNM Classification as T1a or T1b or T1c or
Prostate cancers described using another equivalent classification is also covered if it has been treated with
a radical prostatectomy. All grades of cervical intraepithelial neoplasia (CIN) and prostatic intraepithelial
neoplasia (PIN) are specifically not covered.

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Great Multi Cancer Care Special (Plan Code: 0535)

Partial surgical removal such as lumpectomy and partial mastectomy and partial prostatectomy are
specifically not covered.

Carcinoma in situ means the focal autonomous new growth of carcinomatous cells confined to the cells in
which it originated and has not yet resulted in the invasion and/or destruction of surrounding tissues.
‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane.
The diagnosis of the Carcinoma in situ must always be supported by a histopathological report.

Advanced Stage Cancer

Any malignant tumour positively diagnosed with histological confirmation and characterized by the
uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukemia,
lymphoma and sarcoma.

For the above definition, the following are not covered:

a) All cancers which are histologically classified as any of the following:
- pre-malignant;
- non-invasive;
- carcinoma in situ;
- having borderline malignancy;
- having low malignant potential.
b) All tumours of the prostate histologically classified as T1N0M0 (TNM classification ).
c) All tumours of the thyroid histologically classified as T1N0M0 (TNM classification).
d) All tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification).
e) Chronic Lymphocytic Leukemia less than RAI Stage 3
f) All cancers in the presence of HIV
g) Any skin cancer other than malignant melanoma

Benign Tumour Suspicious of Malignancy and with Surgical Excision

An actual undergoing of a complete surgical excision of a solid benign tumour and such tumour is excised
specifically for the purpose of ruling out cancer and is confirmed by histopathological examination by a
consultant pathologist to be a non-cancerous (benign) tumour suspicious of malignancy; at any of the
following specifically listed organs or sites or anatomical spaces:
a) Heart
b) Liver
c) Lung
d) Pancreas
e) Pericardium
f) Ureter
g) Adrenal Gland
h) Bone
i) Conjunctiva
j) Kidney
k) Cranial Nerves or Spinal Nerves
l) Pituitary gland
m) Small intestine
n) Testis
o) Breast
p) Ovary
q) Penis
r) Uterus in which only endometrial polyps are covered
s) Nasopharyngeal
t) Esophagus
u) Oral Cavity
v) Gallbladder
The decision for excision of tumour must be recommended in writing by a Specialist which the tumour is
considered to have a suspicion of malignancy supported by histopathological evidence. All related
documentations regarding the need for complete excision of tumour must be provided.

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Great Multi Cancer Care Special (Plan Code: 0535)

Where there is any doubt about the indication for a complete excision of tumour, the Company reserves
the right to obtain an independent opinion from a Specialist.

The below conditions are specifically not covered, even though there is histopathological evidence of
suspicious malignancy:
a) Solid tumour in organs that are not listed above;
b) Non-solid tumours;
c) Cysts;
d) Uterine tumours other than endometrial polyps;
e) Stones;
f) Benign hormone secreting tumours of the adrenal glands;
g) High glade dysplasia;
h) Lipoma;
i) Hemangioma;
j) Tumours which were clearly established as benign on radiological criteria or biopsy;
k) Tumours which were clearly established as low malignant potential on radiological criteria or biopsy;
l) Partial excision of a solid tumour;
Any other procedures to reduce tumour size including excision biopsy, needle aspiration biopsy or
cytology, or embolization.

“Solid tumour” means an abnormal mass of tissue, which is not a cyst and generally does not contain liquid.

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 Agency Product Write-Up (For Internal Reference Only)

Great Multi Cancer Care Special (Plan Code: 0535)

APPENDIX 3: CLAIMS SCENARIO
Basic Sum Assured – RM100,000, Policy commences on 21 March 2022

Scenario 1:

Event Date Event Benefits Payable

1 May 2023 1st event – Benign tumour in lung and 10% x 100,000 = 10,000
undergoes complete surgical excision
1 June 2023 2nd event – CIS breast 50% x 100,000 = 50,000
1 Mar 2024 3rd event – Mastectomy for CIS breast 100% x 100,000 = 100,000
1 May 2024 4th event – Advanced Stage Breast Cancer Cancer Benefit + Recovery Benefit
= 100% x 100,000 + 50% x 100,000
= 150,000
1 May 2025 Nil. Recovery Benefit
= 50% x 100,000
= 50,000
Total RM360,000

Scenario 2:

Event Date Event Benefits Payable

1 May 2023 1st event – CIS breast 50% x 100,000 = 50,000
1 Sept 2023 2nd event – Mastectomy for CIS breast 50% x 100,000 = 50,000
Total RM100,000

Scenario 3:

Event Date Event Benefits Payable

1 May 2023 1st event – CIS in left breast 50% x 100,000 = 50,000
1 July 2023 2nd event – Advanced Stage – Left Breast Cancer Benefit + Recovery Benefit
Cancer = 50% x 100,000 + 50% x 100,000
= 100,000
1 July 2024 Nil. Recovery Benefit
= 50% x 100,000
= 50,000
Total RM200,000

Scenario 4:

Event Date Event Benefits Payable

1 May 2023 1st event – CIS in left breast 50% x 100,000 = 50,000
1 July 2023 2nd event – Advanced Stage – Right Breast Cancer Benefit + Recovery Benefit
Cancer = 100% x 100,000 + 50% x 100,000
= 150,000
1 July 2024 Nil. Recovery Benefit
= 50% x 100,000
= 50,000
Total RM250,000

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