HONG LEONG ASSURANCE BERHAD

ANNEXURE

180 TOTAL MULTI CRISIS CARECI CARE COMPLETE RIDER

This 180 Total Multi Crisis Care CI Care Complete Rider (“this Rider”) is an integral part of the Policy and
shall be read as such only if the Annexure Number is stated in the Policy Schedule or by an Endorsement to
that effect. In the event that there is any inconsistency between the Basic Policy and this Rider, this Rider shall
supersede the Basic Policy. Save as otherwise expressly provided herein, all capitalised terms not defined herein
shall have the meanings attributable thereto in the Basic Policy. In consideration of the premium paid as shown
in the Policy Schedule or an Endorsement to the effect, the Company issues this Rider.

DEFINITION AND INTERPRETATION

In this Annexure, unless the context requires otherwise:

“Category” means the Critical Illness classified under each specified cCategory as detailed in Appendix 1;

“Date of Birth” means the date of birth stated in the Policy Schedule or any Endorsement;

“Event Date” means: an illness in one Organ, any surgery or accidental injury resulting in one or more covered
conditions; and

(a) The date of diagnosis Ffor an illness in one Organ, the date of diagnosis will be the date of Eventor
conditions;

(b) The date of For a surgery, date of the surgery, treatment, or medical procedure will be the date of
Event; or

(c) The date of For anAccident for an accidental injury, the date of accident will be the date of Event;

“Expiry Date” means the date specified in the Policy Schedule or any Endorsement and beyond which this
Rider will no longer be in force and effect if not earlier terminated in accordance with the provisions hereof;

“Organ” means a structural part of a system of the body that is composed of tissues and cells that enable it to
perform a specific function. A Organ system of the bodys includes but not limited to integumentary skeletal,
muscular, nervous, endocrine (hormonal), digestive, respiratory, cardiovascular, lymphatic, excretory and
reproduction and will also include organs of special sense.

“Pre-existing Illness” means an illness/ condition which existed prior to the Issue Date, Alteration Effective
Date or any Reinstatement Date of this Rider, whichever is the latest, and that the Life Assured has reasonable
knowledge of. A Life Assured may be considered to have reasonable knowledge of a pre-existing illness/
condition where the illness/ condition is one for which:

(a) the Life Assured 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;

“Psychiatrist” means a licensed Medical Practitioner specialising in the diagnosis and treatment of mental and
psychiatric disorders;

“Rider Sum Assured” means the amount as stated in Policy Schedule or any Endorsement issued;
ULR-TCICII(L)CCC Page 1 of 21
“Rider Year” means each period of twelve (12) months, where the first Rider Year commences from the
Commencement Date or Alteration Effective Date of this Rider, whichever applicable;

“Total Rider Sum Assured” means the amount as stated in the table below:

Rider Commences Amount payable

Before the Date of Birth of Life Assured Ringgit Malaysia of five hundred thousand (RM 500,000.00)

After the Date of Birth of Life Assured Lower of:

i. Eight hundred per centum (800%) of Rider Sum Assured; or
ii. Ringgit Malaysia of four million (RM 4,000,000.00)

(A) GRANT OF BENEFITS

While this Rider is in force and effect, the Company will pay the Benefit as stated below SUBJECT
ALWAYS to the conditions contained in this Rider and any Endorsement. The Benefit payable under
this Rider shall be in addition to the benefits payable under the Basic Policy.

1. CRITICAL ILLNESS BENEFIT

1.1. Should the Life Assured be confirmed, upon the diagnosis by a Medical Practitioner
supported by acceptable clinical, radiological, histological and laboratory evidence, to be
suffering from any one (1) of the Critical Illness as defined in Clause 1.2 of Conditions
and Privileges Section, the Company shall upon receipt of satisfactory proof of the
happening of the aforesaid event, pay to the Policy Owner an amount in accordance to the
following:

Stage of Critical Illness Benefit Payable

 Fifty per centum (50%) of the Rider Sum Assured upon
diagnosis of any of the Critical Illness;
 Ringgit Malaysia of two hundred and fifty thousand (RM
250,000.00); or
Early or Intermediate  Total Rider Sum Assured minus any Critical Illness
Benefit paid;

whichever is the lowest.Fifty per centum (50%) of Rider

Sum Assured for each Critical Illness Category
 One hundred per centum (100%) of the Rider Sum
Assured minus any Critical Illness Benefit paid earlier
under the same Category; or
 Total Rider Sum Assured minus any Critical Illness
Advanced Benefit paid;

whichever is the lowest.One hundred per centum (100%) of

Prevailing Rider Sum Assured for each Critical Illness
Category

SUBJECT TO and in accordance with the conditions set out below in this Rider.

1.2.
Should the Life Assured be confirmed, upon the diagnosis by a Medical Practitioner
supported by acceptable clinical, radiological, histological and laboratory evidence, to be
suffering from any of the Subsequent Cancer, Subsequent Heart Attack or Subsequent
Stroke as defined in Clause 1.1.3 of Conditions and Privileges Section, the Company shall
upon receipt of satisfactory proof of the happening of the aforesaid event, pay to the
ULR-TCICII(L)CCC Page 2 of 21
 Policy Owner an amount in accordance to the following:

Stage of Critical Illness Benefit Payable

 Fifty per centum (50%) of the Rider Sum Assured upon
diagnosis of any of the Subsequent Cancer, Subsequent
Heart Attack or Subsequent Stroke;
 Ringgit Malaysia of two hundred and fifty thousand (RM
250,000.00);
Early or Intermediate
 Total Rider Sum Assured minus any of the Subsequent
Cancer, Subsequent Heart Attack or Subsequent Stroke
paid;

whichever is the lowest.

 One hundred per centum (100%) of the Rider Sum
Assured minus any Subsequent Cancer, Subsequent
Heart Attack or Subsequent Stroke paid earlier under the
same Category; or
Advanced  Total Rider Sum Assured minus any of the Subsequent
Cancer, Subsequent Heart Attack or Subsequent Stroke
paid;

whichever is the lowest.

SUBJECT TO and in accordance with the conditions set out below in this Rider.

1.3. The Critical Illness Benefit paid for Early Stage or Intermediate Stage of Critical
IllnessStage will accelerate the Rider Sum Assured from Advanced Stage of Critical
IllnessStage of the same Category.
, for a maximum of fifty per centum (50%) of Rider Sum Assured.
1.4. The maximum amount for each all claims:

1.4.1. Under each Category other than Category of Cancer, Heart Attack and Stroke
for all stages under this Rider shall be limited to one hundred per centum
(100%) of Rider Sum Assured;

1.4.2. Under each Category of Cancer, Heart Attack and Stoke for all stages under
this Rider shall be limited to two hundred per centum (200%) of Rider Sum
Assured;

1.4.3. Under Category of Cancer, Heart Attack and Stroke for all stages under this
Rider shall be limited to four hundred per centum (400%) of Rider Sum
Assured;

1.4.4. on Early Stage of Thyroid Cancer is limited to Ringgit Malaysia of one

hundred thousand (RM100,000) per life time;

1.4.5. foron Early Stage or Intermediate Stage of Critical IllnessStage under this
Policy Rider and any other policy covering the same Life Assured shall be
limited to Ringgit Malaysia of two hundred and fifty thousand (a maximum of
four claims and RM250,000) per life time with maximum number of claims of
four (4) times; and.

subject to the Total Rider Sum Assured.

1.5. Multiple claims can be made for all Category up to eight hundred per centum (800%) of
Rider Sum Assured subject to not more than one hundred per centum (100%) of the Rider
Sum Assured for claims under the same Category, except for Cancer, Heart Attack and
Stroke.

ULR-TCICII(L)CCC Page 3 of 21
 1.6. In accordance to Clause 1.3 of Grants of Benefits, the maximum payable amount for Early
or Intermediate Stage of Critical Illness is two hundred per centum (200%) of Rider Sum
Assured.

1.7. Each stage of a Critical Illness will be only payable once, except for Cancer, Heart Attack
and Stroke.

1.8. Upon diagnosis of Subsequent:

1.8.1. Cancer, an additional one hundred per centum (100%) of Rider Sum Assured
shall be payable;

1.8.2. Heart Attack or Stroke, an additional one hundred per centum (100%) of Rider
Sum Assured shall be payable. For avoidance of doubt, only a maximum of two
hundred per centum (200%) of Rider Sum Assured can be claimed for Heart
Attack or Stroke,

as per defined in Appendix 2, SUBJECT TO maximum claim of eight hundred per centum
(800%) as mentioned in Clause 1.3 of Grants of Benefits.

2. ANGIOPLASTY AND OTHER INVASIVE TREATMENTS FOR CORONARY ARTERY

DISEASE BENEFIT

2.1. Should the Life Assured be confirmed, upon the diagnosis by a Medical Practitioner
supported by acceptable clinical, radiological, histological and laboratory evidence, to be
suffering from the Life Assured be confirmed, upon undergoing Angioplasty and Other
Invasive Treatments For Coronary Artery Disease as defined in Clause 21.2 of Conditions
and Privileges Section, the Company shall upon receipt of satisfactory proof of the
happening of the aforesaid event, pay to the Policy Owner an amount equivalent to the
Company shall upon receipt of satisfactory proof of the happening of the aforesaid event,
pay to the Policy Owner ten per centum (10%) of Rider Sum Assured under this Rider;
SUBJECT TO and in accordance with the conditions set out below in this Rider. The
maximum amount for Angioplasty and Other Invasive Treatments For Coronary Artery
Disease Benefit under this Rider shall be limited to Ringgit Malaysia of twenty five
thousand (RM25,000). This benefit shall be payable once only. The maximum amount for
all claims for Angioplasty and Other Invasive Treatments for Coronary Artery Disease
Benefit under this Policy and any other policy covering the same Life Assured shall be
limited to RM25,000 per life time.

3. MENTAL ILLNESS BENEFIT

3.1. Should the Life Assured be confirmed, upon the diagnosis by a Psychiatrist based on
DSM-5 or the most updated DSM Edition Diagnostic criteria, to be suffering from any one
(1) of the Mental Illness as hereinafter defined in Clause 3.2 of Conditions and Privileges
Section, the Company shall upon receipt of satisfactory proof of the happening of the
aforesaid event, pay to the Policy Owner an amount equivalent to twenty (20) per centum
(20%) of the Rider Sum Assured; SUBJECT TO and in accordance with the conditions set
out below in this Rider. The maximum amount for all claims for Mental Illness Benefit
under this Policy and any other policy covering the same Life Assured shall be limited to
Ringgit Malaysia of twenty five thousand (RM25,000) RM25,000 per life time. This
benefit shall be payable once only.

3.2. No benefit shall be payable for Mental Illness diagnosed before the Life Assured attains
the age of seventeen (17) years old and or after the Life Assured attains the age of seventy
(70) years old.

4. TYPE II DIABETES RELATED DISEASE BENEFIT

ULR-TCICII(L)CCC Page 4 of 21
 4.1. SUBJECT TO and in accordance with the conditions set out below in this Rider, the
Company shall pay to the Policy Owner an amount equivalent to twenty (20) per centum
(20%) of the Rider Sum Assured upon receipt of satisfactory proof of the happening of the
Life Assured be confirmed to be suffering from (a) or (b) below: -

(a) “Diabetes Complicated By A Heart Attack With Permanent Reduction Of

Ejection Fraction” as hereinafter defined in Clause 4.2 of Conditions and
Privileges Section PROVIDED ALWAYS that there is a prior claim of
“HEART ATTACK – of specified severity” under Critical Illness Benefit.

(b) Any one (1) of the Type II Diabetes Related Disease other than “Diabetes
Complicated By A Heart Attack With Permanent Reduction Of Ejection
Fraction” as hereinafter defined in Clause 4.2 of Conditions and Privileges
Section PROVIDED ALWAYS that there is no prior claim of “Heart Attack –
of specified severity” under Critical Illness Benefit.

The maximum amount for all claims for Type II Diabetes Related Disease Benefit under
this Policy and other policy covering the same Life Assured shall be limited to Ringgit
Malaysia of twenty five thousand (RM25,000) per life time. This benefit shall be payable
once only.

4.2. No benefit shall be payable under for Type II Diabetes Related Disease Benefit diagnosed
before the Life Assured attains the age of seventeen (17) years old.

(B) CONDITIONS AND PRIVILEGES

1. CRITICAL ILLNESS BENEFIT PROVISION

1.1. BENEFIT PAYMENT

1.1.1. In the event that Life Assured is diagnosed as suffering from any one (1) of the
Critical Illness as defined in Clause 1.2 of Conditions and Privileges Section,
the Company shall pay the Critical Illness Benefit to the Policy Owner as stated
in Clause 1.1 of Grant of Benefits Section.

1.1.2. Only one (1) claims may be made for each stage of all Category up to the Total
Rider Sum Assured subject to not more than one hundred per centum (100%)
of the Rider Sum Assured for claims under the same Category, save and except
for Category of Cancer, Heart Attack and Stroke.

Category of Cancer

Multiple Cancer claims may be made for each stage, up to two hundred per
centum (200%) of Rider Sum Assured subject to Clause 1.1.3 of Conditions
and Privileges Section;

Category of Heart Attack

Multiple Heart Attack claims may be made for each stage, up to two hundred
per centum (200%) of Rider Sum Assured subject to Clause 1.1.3 of
Conditions and Privileges Section.

Category of Stroke

Multiple Stroke claims may be made for each stage, up to two hundred per
centum (200%) of Rider Sum Assured subject to Clause 1.1.3 of Conditions
and Privileges Section.
3
1.1.3. If there is already a prior approved claim on:
ULR-TCICII(L)CCC Page 5 of 21
 a) Early Stage under the same Category, save and except for Category of
Cancer, Heart Attack and Stroke, the subsequent claim on Intermediate
Stage will only be payable if the condition deteriorates from Early
Stage to Intermediate Stage;

b) Intermediate Stage under the same Category, save and except for
Category of Cancer, Heart Attack and Stroke, the subsequent claim on
Advanced Stage will only be payable if the condition deteriorates from
Intermediate Stage to Advanced Stage;

c) Early Stage or Intermediate Stage under Category of Cancer, Heart

Attack or Stroke, the subsequent claim for the less severe or same stage
of Category of Cancer, Heart Attack or Stroke can only be claimed if
they meet the following definition of Subsequent Cancer, Subsequent
Heart Attack, or Subsequent Stroke, whichever is applicable; or

d) Advanced Stage under Category of Cancer, Heart Attack or Stroke, the

subsequent claim on Cancer, Heart Attack or Stroke can only be
claimed if the they meet the following definition of Subsequent Cancer,
Subsequent Heart Attack, or Subsequent Stroke, whichever is
applicable.

Subsequent Cancer
Cancer that is certified by a specialist in the relevant field as:

(a) a new primary Cancer that is different and completely

unrelated (different pathological and histological type) to the
Cancer that gave rise to the previously approved claim for
Category of Cancer and it occurs in a different Organ (or site
of origin, whichever applies); and

(b) not a secondary spread (metastasis) of the Cancer that gave

rise to the previously approved claim for Category of Cancer.

Subsequent Heart Attack

Heart Attack that is certified by a specialist in the relevant field as
different and completely unrelated to the Heart Attack that gave rise to
the previously approved claim for Category of Heart Attack.

Replacement or repair of cardiac pacemaker or defibrillator is not

covered.

Subsequent Stroke
Stroke that is certified by a specialist in the relevant field as different
and completely unrelated to the Stroke that gave rise to the previously
approved claim for Category of Stroke.

For a claim on Early Stage or Intermediate Stage of Subsequent Stroke,

claim will be payable if the illness or condition (or the medical
procedure or surgery done, whichever applies) is certified by a
specialist in the relevant field as different and completely unrelated to
the illness or condition that gave rise to the previously approved claim
for Category of Stroke (or the medical procedure or surgery done for
the previously approved claim for Category of Stroke, whichever
applies). However, subsequent claim on Brain Aneurysm Surgery and
Carotid Artery Surgery are allowed as long as the surgery is done on a
different part of brain or carotid artery from the previously approved
claim for Category of Stroke.

For the above definition, the following are not covered:

ULR-TCICII(L)CCC Page 6 of 21
 (a) Replacement or repair of previously inserted Cerebral Shunt;

(b) Carotid Artery Surgery in the same site of carotid artery for
recurrent carotid artery stenosis following previously conducted
carotid endarterectomy;

(c) Stroke Treatment By Carotid Angioplasty And Stent Placement

at the same site as the Carotid Artery Surgery that was
previously approved; and

(d) Brain Aneurysm Surgery for recurrence of an intracranial

aneurysm of the same site and artery as the previously approved
claim for Category of Stroke.

1.1.4. Waiting period for multiple claims:

A. For Cancer:

a) Three (3) years waiting period shall be applicable between any two (2) stages of Cancer if they belong to
different organ or site;

b) No waiting period shall be applicable if the Cancer condition progresses from early to intermediate or late stage
Caner belonging to the same organ or site.

B. For Heart Attack or Stroke:

a) One (1) year waiting period shall be applicable between any two (2) late stage claims provided they are
unrelated claims;

b) No waiting period shall be applicable between any two (2) early or intermediate stage conditions even if such
events occur after the late stage event provided they are unrelated claims.

C. For all other Critical Illness conditions:

a) One (1) year waiting period shall be applicable between late stage Critical Illness to late stage Critical Illness;

b) No waiting period shall be applicable:

i) between early stage Critical Illness to early stage Critical Illness of different Category;

ii) between early stage Critical Illness to intermediate stage Critical Illness of the same or different Category;

iii) between early stage Critical Illness to late stage Critical Illness of same of different Category;

iv) between intermediate stage Critical Illness to early stage Critical Illness of different Category;

v) between intermediate stage Critical Illness to late stage Critical Illness of same or different Category;

vi) between late stage Critical Illness to early or intermediate stage Critical Illness of different Category.

1.1.5. If a claim has been made approved under Advanced Stage Critical Illness,
no further claim benefit will be payable for Early Stage or Intermediate
Stage Critical Illness under the same Ccategory, except for Category of
Cancer, Heart Attack and Stroke.
1.1.6.

1.1.7.
1.1.8. For Coronary Artery Disease and Coronary Artery Bypass Surgery:
1.1.9.
1.1.10. If a claim has beenis admitted approved under for Mild Coronary Artery
ULR-TCICII(L)CCC Page 7 of 21
 Disease or Moderate Coronary Artery DiseaseEarly Stage or Intermediate
Stage of Coronary Artery Disease, no further claim benefit on Minimally
Invasive Direct Coronary Artery Bypass Grafting will be payable for
Intermediate Stage of Coronary Artery Surgery.

1.1.11. If a claim has been approved for Intermediate Stage of Coronary Artery
Surgery, no further benefit will be payable for Early Stage or Intermediate
Stage of Coronary Artery Disease.

1.1.12. Only one Advanced Stage claim shall be payable between Only one claim shall
be payable between Advanced Stage of Coronary Artery Surgery and Coronary
Artery Disease.

(a) If a claim is admitted under Minimally Invasive Direct Coronary Artery Bypass Grafting, no further claim on
Mild Coronary Artery Disease or Moderate Coronary Artery Disease will be payable.

(b) Only one claim will be payable between Serious Coronary Artery Disease and Coronary Artery Bypass
Surgery.

1.1.13. If the Life Assured’s illness or condition fulfils the definition of more than one
Critical Illness on an Event Date, only one benefit will be paid. The benefit
paid will be the amount relating to the Critical Illness which has the highest
benefit amount. No further Critical Illness Benefit shall be payable for such
illnesses or conditionsthere are two or more Critical Illness conditions are
diagnosed in an Event, only one Critical Illness conditions will be payable,
which the amount payable shall be equivalent to the highest amount payable as
per the stage of Critical Illness condition, SUBJECT TO it satisfy the
respective definition of the Critical Illness conditions.

1.1.14. For an Organ with both left and right components (including but not limited to
breast, kidney, ovary, lungs and testis), the left and right components of that
Organ shall be considered as one and the same Organ. If the Life Assured’s
illness or condition in the same Organ (i.e. any left and right components of the
Organ) meets the definition of more than one Critical Illness on the same Event
Date, the Company shall only approve one claim that pays for the higher
amount payable under this Rider. No further Critical Illness Benefit shall be
payable for such illnesses or conditions relating to the same Organorgan with
both left and right components, including but not limited to breast, kidney,
ovary, lung and testis, the left component and right component of that organ
shall be considered as one and the same organ. If more than one Critical Illness
conditions are diagnosed in any of these paired organs on the same date,
though they may exist in different stages or forms, one hundred per centum
(100%) of Rider Sum Assured shall be payable.

1.1.15. For claims to be approved under Category of Loss Of Independent Existence

(“LOIE”), Apallic Syndrome or Terminal Illness, whichever is applicable, if
the illness or condition ismust not be related in any way to any illness or
condition that have previously approved a claim for under this Rider. For
clarity, if there is already a prior approved claim for Early Stage or
Intermediate Stage of Category of LOIE or Apallic Syndrome, whichever is
applicable, the Company shall approve the subsequent claim when the
subsequent claim is made for the more severe stage of the Category of LOIE or
Apallic Syndrome, whichever is applicable.Loss of Independent Existence,
Apallic Syndrome and Terminal Illness claim:
1.1.16.
1.1.17. The claim made under Loss of Independent Existence, Apallic Syndrome or
Terminal Illness can be only claimed if it is not a consequence of previously
claimed Critical Illnesses under this rider.
1.1.18.
1.1.19. The subsequent claim of Late Stage Critical Illness condition must be
ULR-TCICII(L)CCC Page 8 of 21
 diagnosed at least five (5) years after the diagnosis of such claim, except for
Lost of Independent Existence, Apallic Syndrome and Terminal Illness.
1.1.20.

1.2. DEFINITION OF CRITICAL ILLNESS

1.2.1. For the purposes of this Rider, AND NOTWITHSTANDING any other
definition which may be found elsewhere, "Critical Illness" means any of the
conditions or illnesses defined in the Appendix 1.

1.3. NOTIFICATION

1.3.1. Written notice of claim must be given within six (6) months from the date of
initial diagnosis of the Critical Illness. Failure to give notice within such time
shall not invalidate any claim if it shall be shown not to have been reasonably
possible to give such notice within the prescribed time and that notice was
given as soon as was reasonably possible.

1.4. CONDITION FOR PAYMENT

1.4.1. Before the Company makes any Critical Illness Benefit payment to the Policy
Owner, the following conditions must be fulfilled to the Company’s
satisfaction:

(a) The Company shall be entitled to deduct any charges due and owing to
the Company under the Policy;

(b) The Policy Owner must provide adequate medical evidence to the
satisfaction of the Company at his own expense. Every diagnosis of any
of the aforesaid Critical Illness must be supported by acceptable clinical,
radiological, histological and laboratory evidence confirmed by a
registered Medical Practitioner. Clinical diagnosis alone does not meet
this standard. Although proof of the aforesaid Critical Illness might be
accepted by the Company, the Company reserves the right to have the
Life Assured examined by any Medical Practitioner engaged by the
Company;

(c) The production of the original copy of this Policy and all documents
considered necessary by the Company to prove the title of the person
claiming payment;

(d) Amount payable upon a valid claim shall be based on the Rider Sum
Assured on the date giving rise to the claim;

(e) Claim reversal is not allowed after a claim settlement;

(f) It is a condition precedent to any payment of the Critical Illness Benefit

that the original copy of this Policy document be produced at the head
office of the Company for Endorsement.

1.5. EXCLUSION

1.5.1. Notwithstanding anything herein to the contrary, no benefit shall be payable in

respect of any one of the following causes:

(a) The signs or symptoms of the Critical Illness is manifested prior to or:

ULR-TCICII(L)CCC Page 9 of 21
 A. within sixty (60) days from the Issue Date, Alteration Effective Date,
Date of Birth or any Reinstatement Date of this Rider, whichever is
the latest in respect of:

(i) Cancer;

(ii) Coronary Artery By-Pass Surgery;

(iii) Heart Attack; or

(iv) Serious Coronary Artery Disease;

B. within thirty (30) days from the Issue Date, Alteration Effective
Date, Date of Birth or any Reinstatement Date of this Rider,
whichever is the latest in respect of all other Critical Illness not set
out in Item A above;

(b) Pre-existing Illness;

(c) The Critical Illness, where in the Company’s sole and absolute opinion,
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. We reserve the right to require the Life
Assured to undergo a blood test to detect the presence of any HIV
infection as a condition precedent before accepting any claim. The
exception is when HIV infection is due to blood transfusion, Full-blown
AIDS and Occupationally Acquired Human Immunodeficiency Virus
(HIV) Infection, as defined in this Rider. For the purpose of this Rider,

(i) 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; and

(ii) infection shall be deemed to have occurred where blood or other

relevant test(s) indicate, in the Company’s sole and absolute
opinion, either the presence of any Human Immunodeficiency
Virus or antibodies to such virus;

(d) Any Critical Illness was diagnosed, whether directly or indirectly, due to a
congenital defect or disease, which was manifested or was diagnosed
before the Life Assured attained seventeen (17) years of age;

(e) Any Critical Illness is caused by a self-inflicted injury, while sane or

insane;

(f) Any Critical Illness resulting directly from alcohol or drug abuse; or

(g) the Life Assured did not survive for at least:

(i) seven (7) days after the diagnosis of a Critical Illness defined
under Early Stage; or

(ii) twenty eight (28) days after the diagnosis of a Critical Illness
defined under Intermediate Stage and Advanced Stage; or

(h) The diagnosis of a:

(i) Critical Illness as defined under Advanced Stage is within one (1)
year after the diagnosis of any other Critical Illness diagnosed

ULR-TCICII(L)CCC Page 10 of 21
 earlier as defined in Appendix 1 under Advanced Stage except for
Category of Cancer; or

(ii) Cancer as defined under any stage is within three (3) years after
the diagnosis of any other Cancer diagnosed earlier as defined in
Appendix 1 under any stage, except if the Cancer condition
deteriorates from Early Stage to Intermediate Stage or Advanced
Stage.

1.6. BENEFIT TO CEASE UPON TOTAL SETTLEMENT

1.6.1. For the avoidance of doubt, it is hereby declared and agreed that this Rider will
cease to be in force and shall terminate upon the full settlement amounting to
eight hundred per centum (800%) of theof Total Rider Sum Assured for all
claims under this Rider.

2. ANGIOPLASTY AND OTHER INVASIVE TREATMENTS FOR CORONARY ARTERY

DISEASE BENEFIT PROVISION

2.1. BENEFIT PAYMENT

2.1.1. In the event that Life Assured is diagnosed as suffering from Angioplasty
And Other Invasive Treatments For Coronary Artery Disease any one (1) of the
Critical Illness as defined in Clause 2.2 of Conditions and Privileges
Section, the Company shall pay the Angioplasty and Other Invasive
Treatments For Coronary Artery Disease Benefit to the Policy Owner as
stated in Clause 2.1 of Grant of Benefits Section.

2.2. DEFINITION OF ANGIOPLASTY AND OTHER INVASIVE TREATMENTS FOR

CORONARY ARTERY DISEASE

2.2.1. For the purposes of this Rider, AND NOTWITHSTANDING any other
definition which may be found elsewhere, "Angioplasty and Other Invasive
Treatments For Coronary Artery Disease" means: as per defined in the
Appendix 1.

The actual undergoing for the first time of Coronary Artery Balloon
Angioplasty, artherectomy, laser treatment or the insertion of a stent to correct
a narrowing or blockage of one or more coronary arteries as shown by
angiographic evidence. Intra-arterial investigative procedures are not covered.

2.3. NOTIFICATION

2.3.1. Written notice of claim must be given within six (6) months from the date of
initial diagnosis of the Angioplasty and Other Invasive Treatments For
Coronary Artery Disease. Failure to give notice within such time shall not
invalidate any claim if it shall be shown not to have been reasonably possible
to give such notice within the prescribed time and that notice was given as soon
as was reasonably possible.

2.4. CONDITION FOR PAYMENT

2.4.1. Before the Company makes any Angioplasty and Other Invasive Treatments
For Coronary Artery Disease Benefit payment to the Policy Owner, the

ULR-TCICII(L)CCC Page 11 of 21
 following conditions must be fulfilled to the Company’s satisfaction:

(a) The Company shall be entitled to deduct any charges due and owing to the
Company under the Policy;

(b) The Policy Owner must provide adequate medical evidence to the
satisfaction of the Company at his own expense. Every The diagnosis of
any of the aforesaid Angioplasty and Other Invasive Treatments For
Coronary Artery Disease must be supported by acceptable clinical,
radiological, histological and laboratory evidence confirmed by a
registered Medical Practitioner. Clinical diagnosis alone does not meet
this standard. Although proof of the aforesaid Angioplasty and Other
Invasive Treatments For Coronary Artery Disease might be accepted by
the Company, the Company reserves the right to have the Life Assured
examined by any Medical Practitioner engaged by the Company;

(c) The production of the original copy of this Policy and all documents
considered necessary by the Company to prove the title of the person
claiming payment;

(d) Amount payable upon a valid claim shall be based on the Rider Sum
Assured on the date giving rise to the claim;

(e) Claim reversal is not allowed after a claim settlement;

(f) It is a condition precedent to any payment of the Angioplasty and Other

Invasive Treatments For Coronary Artery Disease Benefit that the original
copy of this Policy document be produced at the head office of the
Company for Endorsement.

2.5. EXCLUSION

2.5.1. Notwithstanding anything herein to the contrary, no benefit shall be payable in

respect of any one of the following causes:

(a) The signs or symptoms of the Angioplasty and Other Invasive Treatments
For Coronary Artery Disease is manifested prior to or within sixty (60)
days from the Issue Date, Alteration Effective Date, Date of Birth or any
Reinstatement Date of this Rider, whichever is the latest;

(b) Pre-existing Illness;

(c) The Angioplasty and Other Invasive Treatments For Coronary Artery
Disease, where in the Company’s sole and absolute opinion, 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. We reserve the right to require the Life Assured to
undergo a blood test to detect the presence of any HIV infection as a
condition precedent before accepting any claim. For the purpose of this
Rider,

(i) 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; and

(ii) infection shall be deemed to have occurred where blood or other

relevant test(s) indicate, in the Company’s sole and absolute
opinion, either the presence of any Human Immunodeficiency
Virus or antibodies to such virus;

ULR-TCICII(L)CCC Page 12 of 21
 (d) Angioplasty and Other Invasive Treatments For Coronary Artery Disease
was diagnosed, whether directly or indirectly, due to a congenital defect or
disease, which was manifested or was diagnosed before the Life Assured
attained seventeen (17) years of age;

(e) Angioplasty and Other Invasive Treatments For Coronary Artery Disease
resulting directly from alcohol or drug abuse; or

(f) Death of the Life Assured within twenty eight (28) days following the date
of diagnosis of the Angioplasty and Other Invasive Treatments For
Coronary Artery Disease.

2.6. BENEFIT TO CEASE UPON PAYMENT

2.6.1. For the avoidance of doubt, it is hereby declared and agreed that the
Angioplasty and Other Invasive Treatments For Coronary Artery Disease
Benefit will cease to be in force and shall terminate upon the payment of the
Angioplasty and Other Invasive Treatments For Coronary Artery Disease
Benefit.

3. MENTAL ILLNESS BENEFIT PROVISION

3.1. BENEFIT PAYMENT

3.1.1. In the event that Life Assured is diagnosed as suffering from any one (1) of the
Mental Illness as defined in Clause 3.2 of Conditions and Privileges Section,
the Company shall pay the Mental Illness Benefit to the Policy Owner as stated
in Clause 3.1 of Grant of Benefits Section.

3.2. DEFINITION OF MENTAL ILLNESS

3.2.1. For the purpose of this Rider, AND NOTWITHSTANDING any other
definition which may be found elsewhere, “Mental Illness” means any of the
conditions or illnesses defined as below:

I. SEVERE MAJOR DEPRESSIVE DISORDER (MDD)

Major Depressive Disorder is one of a group of mental disorders

characterised by a sad, empty and irritable mood and loss of interest, with
clinically significant distress or impairment in social, occupational, or
other important areas of functioning. The unequivocal diagnosis of Severe
Major Depressive Disorder (MDD) must fulfil all of the following criteria:

(a) The specified severity required by the definition must meet the
number of criterion symptoms and the degree of functional disability
consistent with a severe episode as per the defined DSM-5 or the most
updated DSM Edition Diagnostic specifiers;

(b) The Life Assured must have received electroconvulsive therapy

(ECT). ECT must be conducted by a Psychiatrist; and

(c) The Life Assured must have received specific medication to treat the
severe MDD without interruption for a period of at least one hundred
and eighty (180) days after diagnosis.

ULR-TCICII(L)CCC Page 13 of 21
 For the above definition, Adjustment Disorder with Depressed Mood is
explicitly excluded.

II. BIPOLAR DISORDER

Bipolar disorder, also known as manic-depressive illness, is a mental

disorder that causes unusual shifts in mood, energy, activity levels, and
clinically significant distress or impairment in social, occupational, or
other important areas of day to day functioning. The Life Assured must
have received specific medication therapy, which is mood stabilisers or
atypical antipsychotics or antidepressants, without interruption for a period
of at least one hundred and eighty (180) days after diagnosis.

III. SEVERE OBSESSIVE COMPULSIVE DISORDER (OCD)

A chronic and long-lasting disorder characterised by both obsessions

and/or compulsions, and has resulted in marked impairment in social or
occupational functioning. The unequivocal diagnosis of Obsessive
Compulsive Disorder (OCD) must fulfil all of the following criteria:

(a) The OCD must be classified as “severe” or “extreme” under the Y-

BOCS scale (score of 24 and above) which is assessed by a registered
Psychiatrist; and

(b) Must have received specified specific medication to treat the OCD
without interruption for a period of at least one hundred and
eighty (180) days after diagnosis.
(c)
(d)

IV. SCHIZOPHRENIA

Schizophrenia is a psychotic disorder that is characterised by major

disturbances in cognitive functioning, emotion and behaviour. The Life
Assured must have received antipsychotic medication therapy without
interruption for a period of at least one hundred and eighty (180) days after
diagnosis.

V. SCHIZEOAFFECTIVE DISORDER

Schizoaffective disorder is characterised primarily by symptoms of

schizophrenia, such as hallucinations or delusions, and symptoms of a
mood disorder, such as mania and depression. The Life Assured must have
received antipsychotic medication therapy without interruption for a period
of at least one hundred and eighty (180) days after diagnosis.

3.2.2. The Company reserves the right to confirm any diagnosis or information
provided at claims stage by an appropriate specialist selected by the Company.
Once a claim is made under the above definition, no further major mental
illness benefit can be paid.

GENERAL TERMS

i) “DSM-5” means the Diagnostic and Statistical Manual of Mental

Disorders – 5th edition published by the American Psychiatric
Association. It is a comprehensive classification of recognised psychiatric
disorders used by mental health professionals to ensure uniformity of the
diagnosis of mental health disorders.
ULR-TCICII(L)CCC Page 14 of 21
 3.3. NOTIFICATION

3.3.1. Written notice of claim must be given within six (6) months from the date of
initial diagnosis of the Mental Illness. Failure to give notice within such time
shall not invalidate any claim if it shall be shown not to have been reasonably
possible to give such notice within the prescribed time and that notice was
given as soon as was reasonably possible.

3.4. CONDITION FOR PAYMENT

3.4.1. Before the Company makes any Mental Illness Benefit payment to the Policy
Owner, the following conditions must be fulfilled to the Company’s
satisfaction:

(a) The Company shall be entitled to deduct any charges due and owing to
the Company under the Policy;

(b) The Policy Owner must provide adequate medical evidence to the
satisfaction of the Company at his own expense. Every diagnosis of any
of the aforesaid Mental Illness must be supported by acceptable clinical,
radiological, histological and laboratory evidence confirmed by a
Psychiatrist.registered Medical Practitioner. Clinical diagnosis alone
does not meet this standard. Although proof of the aforesaid Mental
Illness might be accepted by the Company, the Company reserves the
right to have the Life Assured examined by any Psychiatrist Medical
Practitioner engaged by the Company;

(c) The production of the original of this Policy and all documents
considered necessary by the Company to prove the title of the person
claiming payment;

(d) Amount payable upon a valid claim shall be based on the Rider Sum
Assured on the date giving rise to the claim;

(e) Claim reversal is not allowed after a claim settlement;

(f) It is a condition precedent to any payment of the Mental Illness Benefit

that the original of this Policy document be produced at the head office
of the Company for Endorsement.

EXCLUSION
3.5.

3.5.1. Notwithstanding anything herein to the contrary, no benefit shall be payable in

respect of any one of the following causes:

(a) The signs or symptoms of the Mental Illness is manifested prior to or

within one (1) year from the Issue Date, Alteration Effective Date or any
Reinstatement Date of this Rider, whichever is the latest.

(b) Pre-existing Illness;

(c) Any Mental Illness caused by a self-inflicted injury, while sane or

insane; or

ULR-TCICII(L)CCC Page 15 of 21
 (d) Any Mental Illness due to the physiological effects or in the presence of
substance abuse (including alcohol).

3.6. BENEFIT TO CEASE UPON PAYMENT

3.6.1. For the avoidance of doubt, it is hereby declared and agreed that the Mental
Illness Benefit will cease to be in force and shall terminate upon the payment
of the Mental Illness Benefit.

4. TYPE II DIABETES RELATED DISEASE BENEFIT PROVISON

4.1. BENEFIT PAYMENT

4.1.1. In the event that Life Assured is diagnosedis as suffering from any one (1) of
the Type II Diabetes Related Disease as defined in Clause 4.2 of Conditions
and Privileges Section, the Company shall pay the Type II Diabetes Related
Disease Benefit to the Policy Owner as stated in Clause 4.1 of Grant of
Benefits Section.

4.2. DEFINITION OF TYPE II DIABETES RELATED DISEASE

4.2.1. For the purposes of this Rider, AND NOTWITHSTANDING any other
definition which may be found elsewhere, “Type II Diabetes Related
DiabetesDisease” means any of the conditions or illnesses defined as follows:

I. SURGERY FOR DIABETIC RETINOPATHY

Diabetic Retinopathy with the need to undergo laser treatment certified to

be absolutely necessary by an ophthalmologist with support of a
Fluorescent Fundus Angiography report and vision is measured at 6/18 or
worse in the better eye using a Snellen eye chart.

II. LIMBS AMPUTATION DUE TO DIABETIC COMPLICATIONS

The actual undergoing of amputation of a leg / foot / toe / arm / hand /

finger to treat gangrene that has occurred because of a complication of
diabetes.

III. SEVERE DIABETIC NEPHROPATHY RESULTING IN KIDNEY

FAILURE

A definite diagnosis of diabetic nephropathy by a nephrologist and is

evident by eGFR less than 30 ml/min/1.73 m2 with ongoing proteinuria
greater than 300 mg/ 24 hours.

IV. DIABETIESC COMPLICATED BY A HEART ATTACK WITH

PERMANENT REDUCTION OF EJECTION FRACTION

Claim shall be payable if all of the following conditions are met:

ULR-TCICII(L)CCC Page 16 of 21
 (a) The Life Assured has a documented diagnosis of diabetes with
evidence of being on optimal treatment;

(b) The Life Assured has claimed for “Heart Attack – of specific
severity” as stated in Appendix 1 and for the which the claim has
been approved; and

(c) The Life Assured has a documented permanent reduction in left

ventricular ejection fraction to less than thirty percent (30%)
confirmed by a cardiologist with an echo measured at least six (6)
months after the heart attack.

Claim under this benefit is only admissible up to twenty four (24)

months from the date of initial diagnosis of the “Heart Attack – of
specificy severity” for which the claim has been approved even if the
claim is after the expiry of this Rider or rider has been terminated earlier.

4.3. NOTIFICATION

4.3.1. Written notice of claim must be given within six (6) months from the date of
initial diagnosis of the Type II Diabetes Related Disease. Failure to give
notice within such time shall not invalidate any claim if it shall be shown not
to have been reasonably possible to give such notice within the prescribed
time and that notice was given as soon as was reasonably possible.

4.4. CONDITION FOR PAYMENT

4.4.1. Before the Company makes any Type II Diabetes Related Disease Benefit
payment to the Policy Owner, the following conditions must be fulfilled to the
Company’s satisfaction:

(a) The Company shall be entitled to deduct any charges due and owing to
the Company under the Policy;

(b) The Policy Owner must provide adequate medical evidence to the
satisfaction of the Company at his own expense. Every diagnosis of any
of the aforesaid Type II Diabetes Related Disease must be supported by
acceptable clinical, radiological, histological, and laboratory and/or
radiological evidence confirmed by a registered Medical Practitioner.
Clinical diagnosis alone does not meet this standard. Although proof
of the aforesaid Type II Diabetes Related Disease might be accepted by
the Company, the Company reserves the right to have the Life Assured
examined by any Medical Practitioner engaged by the Company;

(c) The production of the original of this Policy and all documents
considered necessary by the Company to prove the title of the person
claiming payment;

(d) Amount payable upon a valid claim shall be based on the Rider Sum
Assured on the date giving rise to the claim;

(e) Claim reversal is not allowed after a claim settlement;

(f) It is a condition precedent to any payment of the Type II Diabetes

Related Disease Benefit that the original of this Policy document be
produced at the head office of the Company for Endorsement.

ULR-TCICII(L)CCC Page 17 of 21
 4.5. EXCLUSION

4.5.1. Notwithstanding anything herein to the contrary, no benefit shall be payable in

respect of any one of the following causes:

(a) The signs or symptoms of the Type II Diabetes Related Disease is

manifested prior to or within sixty (60) days from the Issue Date,
Alteration Effective Date or any Reinstatement Date of this Rider,
whichever is the latest in respect of:

(b) Pre-existing Illness;

(c) The Type II Diabetes Related Disease, where in the Company’s sole and
absolute opinion, 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. We reserve the
right to require the Life Assured to undergo a blood test to detect the
presence of any HIV infection as a condition precedent before accepting
any claim. For the purpose of this Rider,

(i) 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; and

(ii) infection shall be deemed to have occurred where blood or other

relevant test(s) indicate, in the Company’s sole and absolute opinion,
either the presence of any Human Immunodeficiency Virus or
antibodies to such virus;

(d) Any Type II Diabetes Related Disease was diagnosed, whether directly or
indirectly, due to a congenital defect or disease, which was manifested or
was diagnosed before the Life Assured attained seventeen (17) years of
age;

(e) Any Type II Diabetes Related Disease caused by a self-inflicted injury,

while sane or insane;

(f) Any Type II Diabetes Related Disease resulting directly from alcohol or
drug abuse; or

(g) Death of the Life Assured within twenty eight (28) days following the
date of diagnosis of any of the Type II Diabetes Related Disease.

4.6. BENEFIT TO CEASE UPON PAYMENT

4.6.1. For the avoidance of doubt, it is hereby declared and agreed that the Type II
Diabetes Related Disease Benefit will cease to be in force and shall terminate
upon the payment of the Type II Diabetes Related Disease Benefit pursuant to
Clause 3.1 of Grant of Benefits.

(C) EXCLUSIONS

Notwithstanding anything herein to the contrary, no benefit shall be payable in respect of any one of the
following causes:

(a) The sign or symptoms of the Critical Illness Condition defined under Advanced Stage in Appendix 1 is
manifested prior to or:

ULR-TCICII(L)CCC Page 18 of 21
A. within sixty (60) days from the Issue Date, Alteration Effective Date, Date of Birth of any Reinstatement Date
of this Rider, whichever is the latest in respect of:

i) Angioplasty and Other Invasive Treatments For Coronary Artery Disease;

ii) Cancer;

iii) Coronary Artery Bypass Surgery;

iv) Heart Attack;

v) Leukaemia;

vi) Neuroblastoma;

vii) Serious Coronary Artery Disease; or

viii) Type II Diabetes Related Disease;

B. within thirty (30) days from the Issue Date, Alteration Effective Date, Date of Birth of any Reinstatement Date
of this Rider, whichever is the latest in respect of all other Critical Illness as defined in Appendix 1 and not set
out in Item A above.

C. within one (1) year from the Issue Date, Alteration Effective Date, Date of Birth of any Reinstatement Date of
this Rider, whichever is the latest in respect of Mental Illness.

(b) Pre-existing Illness.

(c) The Critical Illness, where in the Company’s sole and absolute opinion, 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. We reserve the right to require the Life Assured to undergo a blood test to
detect the presence of any HIV infection as a condition precedent before accepting any claim. The exception is
when HIV infection is due to blood transfusion, Full-blown AIDS and Occupationally Acquired Human
Immunodeficiency Virus (HIV) Infection, as defined in this Rider. For the purpose of this Rider,

i) the definition of AIDS shall be that used by the World Health Organisation in 1987, or any subsequent revision
by the World Health Organisation of that definition; and

ii) infection shall be deemed to have occurred where blood or other relevant test(s) indicate, in the Company’s sole
and absolute opinion, either the presence of any Human Immunodeficiency Virus or antibodies to such virus;

(d) Any Critical Illness was diagnosed, whether directly or indirectly, due to a congenital defect or disease, which
was manifested or was diagnosed before the Life Assured attained seventeen (17) years of age;

(e) Any Critical Illness caused by a self-inflicted injury, while sane or insane;

(f) Any Critical Illness resulting directly from alcohol or drug abuse;

(g) Death of the Life Assured within twenty eight (28) days following the date of diagnosis of any of the Critical
Illness;

(h) committing or attempting to commit any unlawful act;

ULR-TCICII(L)CCC Page 19 of 21
(i) direct participation in strikes, riots, rebellion, revolution, civil commotion or insurrection;

(j) engaging in racing of any kind (other than on foot), mountain or rock climbing necessitating the use of ropes or
guides, winter sports, underwater pastimes, water skiing, football, polo, hunting, show jumping, caving, pot-
holing, boxing or wrestling; or

(k) flying or taking part in any aerial activities except where traveling in an aircraft as a fare-paying passenger on a
regularly scheduled flight of a commercial airline and not as aircrew nor for the purpose of any trade or
technical operation in or on the aircraft.

(D) CANCELLATION OF RIDER

This Rider may be cancelled by the Policy Owner at any time by giving a written notice to the
Company. The original copy of this Rider must be produced at the head office of the Company for
cancellation together with the original copy of this Policy for Endorsement.

(E) NON-GUARANTEED INSURANCE CHARGES

The Company shall be entitled at its sole discretion to determine, from time to time by giving ninety
(90) days’ of notice in writing prior to the anniversary date of this Rider to vary insurance charge.
Information on the insurance charge applicable at any one time may be obtained from the head office
of the Company.

(F) PROVISION FOR JUVENILE

Where the age of the Life Assured is less than five (5) years when Life Assured is diagnosed as
suffering from any one (1) of the Critical Illness as defined in Clause 1.2 of Conditions and Privileges
Section or Angioplasty and Other Invasive Treatments For Coronary Artery Disease as defined in
Clause 2.2.1 of Conditions and Privileges Section, the Benefit payable under this Rider shall be as
follows:

Age at Diagnosis Percentage of Tiered Critical IllnessRider

Less(last
than birthday)
two (2) years Sum Assured
Twenty Benefit (20%)
per centum Payable
Two (2) to less than three (3) years Forty per centum (40%)
Three (3) to less than four (4) years Sixty per centum (60%)
Four (4) to less than five (5) years Eighty per centum (80%)

(G) TERMINATION

This Rider shall automatically terminate upon the occurrence of any of the following, whichever may
occur first:

(a) on the day after the Expiry Date of this Rider;

(b) the Basic Policy lapses, matures, expires, is cancelled, surrendered or is otherwise terminated;

(c) (c) upon death of the Life Assured of this Rider; or

(d) (d) upon full settlement amounting to eight hundred per centum (800%) of theof:

i) Total Rider Sum Assured for Critical Illness Benefit before the Policy Anniversary of
the Life Assured’s age last birthday of eighty-six (86)under this Rider;

ii) Any time after the Policy Anniversary of the Life Assured’s age last birthday of eighty-six
(86) when the total amount paid on Critical Illness Benefit under this Rider is equivalent to
or more than one hundred per centum (100%) of the Rider Sum Assured; or
ULR-TCICII(L)CCC Page 20 of 21
 iii) 100% of Rider Sum Assured on the day immediately after the Policy Anniversary of the
Life Assured’s age last birthday of eighty-six (86);

under this Rider except for Critical Illness Benefit under “Heart Attack – of specified
severity” AND there is no prior claim of Type II Diabetes Related Disease Benefit, in
which case the Rider shall terminate upon the occurrence of any of the following,
whichever may occur first:-

i) upon fuill settlement of claim for “Diabetes Complicated By A Heart Attack With
Permanent Reduction Of Ejection Fraction”; or

ii) upon the expiry of the timeframe stipulated in Clause 4.2.1 (IV) of Conditions and
Privileges Section.
(e)

(H) NON-PARTICIPATING
This Rider shall not participate in the divisible profits of the CompanyThis Rider does not carry with
it the right to share in the profits of the Company.

“If there is any conflict or inconsistency between any of the contents of this document with any other
documents (if any), the contents of this document shall prevail.”

ULR-TCICII(L)CCC Page 21 of 21