Health Protection

Great Early
Cancer Care
Cancer protection from the early stages onwards
Perlindungan kanser daripada peringkat awal dan seterusnya
 Benefits at a glance

Cancer protection from the

early stages onwards Comprehensive coverage against cancer

Financial protection against the high costs of

cancer treatment
Sum Assured Bounce-Back
A cancer diagnosis can be a life-changing event with
serious implications on your physical, emotional and
financial well-being. As such, having financial protection
to cope with the high costs of cancer treatment and
other expenses that follow is therefore vital. Additional 50% of Basic Sum Assured upon
intermediate stage cancer or advanced
stage cancer
Great Early Cancer Care provides lump sum cash
benefit from the early stages of cancer onwards, so that
you may use the payout for your treatments or other
financial commitments, thus alleviating the weight of
Death Benefit
your financial burden.

Maturity Benefit

Cancer-based underwriting

Note: Terms and conditions apply.

Comprehensive coverage against cancer Death Benefit
Great Early Cancer Care provides comprehensive Should death occur, your loved ones will receive
coverage from the early stage of cancer onwards, the total premium paid, or cash value – whichever
up to age 80 years next birthday so you have is higher.
financial security to aid your recovery. Upon
diagnosis of an early stage cancer, you will receive Note: Terms and conditions apply.
50% of the Basic Sum Assured, easing your
burden to cover the expensive treatment, right Maturity Benefit
from the start. In addition, upon intermediate stage You will receive 100% of the Basic Sum Assured
cancer or advanced stage cancer, you will receive or total premium paid – whichever is higher, upon
100% of Basic Sum Assured or total premium maturity of your policy.
paid – whichever is higher, with no wait between
submission of claims. Note: Terms and conditions apply.

Note: Terms and conditions apply. Cancer-based underwriting

The application process is made easier as the
Sum Assured Bounce-Back eligibility of this plan only takes into consideration
Your Basic Sum Assured which has been reduced your medical condition and family history related
will bounce back to 100% after 6 months from to cancer.
the diagnosis date of the early stage cancer.
Thereafter, the Basic Sum Assured will remain at Note: Terms and conditions apply.
100%, ensuring that you are protected throughout
your policy years.

Note: Terms and conditions apply.

Recovery Benefit
Upon intermediate stage cancer or advanced
stage cancer, you will receive an additional 50%
of Basic Sum Assured in one lump sum, enabling
you to have extra financial support on your path to
recovery.

Note: Terms and conditions apply.

Summary Table of Coverage & Benefits

No. Benefits Payout

Early Stage Cancer

i) Carcinoma In Situ (“CIS”)
ii) Early Prostate Cancer
50% of Basic Sum Assured.
iii) Early Thyroid Cancer
iv) Early Bladder Cancer
Cancer
1 v) Early Chronic Lymphocytic Leukaemia
Benefit
Intermediate Stage Cancer
i) Mastectomy for CIS Breast 100% of Basic Sum Assured or total premium
ii) Prostatectomy for Early Prostate Cancer paid, whichever is higher.
Advanced Stage Cancer

The Basic Sum Assured which has been reduced

2 Sum Assured Bounce-Back will bounce back to 100% after 6 months from the
diagnosis date of the early stage cancer.

Recovery Benefit upon Intermediate Stage Cancer or

3 50% of Basic Sum Assured.
Advanced Stage Cancer

Total premium paid or cash value, whichever

4 Death Benefit
is higher.

100% of Basic Sum Assured or total premium

5 Maturity Benefit
paid, whichever is higher.

Notes:
1. Early Stage Cancer Benefit can only be claimed once. If there are 6. The policy shall terminate upon intermediate stage or advanced
more than one early stage cancer diagnosed at the same time, only stage cancer claims payout.
one early stage cancer claim will be payable. 7. In the event of death of the life assured within 6 months from the
2. Premium shall remain the same upon a claim on Early Stage Cancer diagnosis date of the early stage cancer and a claim has been paid
Benefit. for the Early Stage Cancer Benefit, the cash value shall be reduced
3. If the diagnosis of early stage cancer or occurrence of intermediate by 50%.
stage cancer or diagnosis of advanced stage cancer falls on the 8. The Basic Sum Assured payable in respect of Maturity Benefit shall
same date, only the highest claim that is admitted will be payable. be subject to the deduction of any previous claim paid for Early
4. No waiting period is required between submission of claims. Stage Cancer Benefit if the maturity date of the policy is within 6
5. The Basic Sum Assured payable in respect of any claim made months from the date of diagnosis of the early stage cancer.
for intermediate stage cancer or advanced stage cancer, shall be
subject to the deduction of any previous claim paid for the Early Terms and conditions apply.
Stage Cancer Benefit, if the intermediate stage cancer or advanced
stage cancer, is within 6 months from the date of diagnosis of the
early stage cancer.
An example of how it works:
Scenario 1: Scenario 2:

GECC GECC

1 Jan 2017 1 Jan 2018 1 Jan 2017 1 Jan 2018

A 40-year old non-smoker He is diagnosed with early A 40-year old non-smoker He is diagnosed with early
male buys Great Early stage cancer in January male buys Great Early stage cancer in January
Cancer Care with 2018 and receives 50% of Cancer Care with 2018 and receives 50%
Basic Sum Assured of his Basic Sum Assured, Basic Sum Assured of of his Basic Sum Assured,
RM100,000. i.e. RM50,000. RM100,000. i.e. RM50,000.

6 months later 6 months later

1 Apr 2019 1 Jul 2018 1 Jan 2057 1 Jul 2018

He is diagnosed with advanced After 6 months, his No further claim is made by him After 6 months, his
stage cancer and the Basic Sum Basic Sum Assured bounces until his policy matures. The Basic Basic Sum Assured bounces
Assured is higher than the total back to 100%, i.e. RM100,000. Sum Assured is higher than the back to 100%, i.e. RM100,000.
premium paid, he receives: total premium paid at maturity,
1. 100% of his Basic Sum Assured, hence he receives 100% of his
i.e. RM100,000; plus Basic Sum Assured i.e.
2. Recovery Benefit of 50% of his RM100,000 upon maturity.
Basic Sum Assured, i.e. RM50,000. Policy Terminated
Policy Terminated

Total Payout: Total Payout:

Early Stage Cancer Total Payout Total Payout
Benefit: RM50,000 200% of Early Stage Cancer 150% of
Basic Sum Benefit: RM50,000 Basic Sum
Advanced Stage Cancer Assured Assured
Benefit: RM100,000
Maturity Benefit:
Recovery Benefit: RM100,000
RM50,000

Terms and conditions apply.

Frequently Asked Questions

Q: Who can apply?

A: The minimum entry age is 30 days attained age and the Q: How do I pay my premiums?
maximum entry age is 60 years next birthday. A: You can pay by credit card, banker’s order, internet banking,
auto debit, cheque or cash. You have the flexibility to pay
Q: How much sum assured can I purchase? your premium annually, half-yearly, quarterly or monthly (by
A: The minimum sum assured for this plan is RM50,000 and credit card, banker’s order, internet banking or auto debit).
maximum sum assured is RM350,000 per life, subject to
the applicable underwriting requirements. Q: Will I be entitled to tax benefits?
A: Benefits received from Great Early Cancer Care are
Q: What are some of the exclusions for the plan? generally non-taxable and premiums paid may qualify for
A: i) Death tax relief. However, tax benefits are subject to the Malaysian
Death during the first policy year from the risk Income Tax Act, 1967, and final decision of the Inland
commencement date or from the date of any Revenue Board.
reinstatement of the policy, whichever is later, as a
result of suicide, while sane or insane.
ii) Cancer
The Company will not be liable for any Cancer Benefit or
Recovery Benefit under this plan if the early stage
cancer, intermediate stage cancer or advanced stage
cancer, including any conditions associated with it:
• has existed prior to the risk commencement date or
the date of any reinstatement, whichever is later.
• has occurred to the life assured for which any
condition existed or was diagnosed during
the waiting period of 60 days, from the risk
commencement date or from the date of any
reinstatement of the policy, whichever is later.
• were due to, directly or indirectly, a congenital defect
or disease, which manifested or diagnosed before
the life assured attains the age of 17 years next
birthday.
• were 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. The Company reserves the right
to require the life assured to undergo a blood test for
HIV as a condition precedent to acceptance of any
claim. For the purpose of this plan, infection shall be
deemed to have occurred where blood or other
relevant test(s) indicate in the Company’s opinion
either the presence of any HIV or antibodies to such
a virus.
The exclusions highlighted here are not exhaustive. Full
details are available in the policy document.
Annual Premium Rate Table

Per RM1,000 Sum Assured (RM) Per RM1,000 Sum Assured (RM)

Age Next Male Female Age Next Male Female

Birthday Birthday
Non- Non- Non- Non-
Smoker Smoker Smoker Smoker
Smoker Smoker Smoker Smoker

1 5.40 5.40 5.40 5.40 23 10.10 11.05 11.40 15.65

2 5.40 5.40 5.40 5.40 24 10.60 11.55 12.05 16.40

3 5.45 5.45 6.20 6.20 25 11.10 12.05 12.70 17.15

4 5.45 5.45 6.20 6.20 26 11.55 12.50 13.35 17.95

5 5.50 5.50 6.40 6.40 27 11.95 13.15 13.95 18.90

6 5.50 5.50 6.40 6.40 28 12.30 13.85 14.50 19.85

7 5.50 5.50 6.40 6.40 29 12.70 14.50 15.10 20.85

8 5.70 5.70 6.60 6.60 30 13.05 15.15 15.70 21.80

9 5.75 5.75 6.90 6.90 31 13.45 15.85 16.30 22.80

10 6.05 6.05 7.20 7.20 32 14.30 16.85 17.25 23.95

11 6.30 6.30 7.50 7.50 33 15.20 17.90 18.15 25.10

12 6.60 6.60 7.95 7.95 34 16.10 18.95 19.10 26.25

13 6.95 6.95 8.45 8.45 35 16.95 20.00 20.00 27.40

14 7.30 7.30 8.90 8.90 36 17.85 21.00 20.90 28.55

15 7.60 7.60 9.35 9.35 37 18.80 22.35 21.95 30.10

16 7.70 7.70 9.80 9.80 38 19.75 23.65 22.95 31.65

17 8.15 8.40 9.90 10.70 39 20.70 25.00 23.95 33.25

18 8.45 8.80 9.95 11.60 40 21.65 26.30 24.95 34.80

19 8.65 9.25 10.00 12.45 41 22.55 27.65 26.00 36.40

20 8.90 9.65 10.10 13.30 42 23.90 29.65 27.40 38.30

21 9.15 10.10 10.15 14.15 43 25.20 31.65 28.80 40.20

22 9.65 10.55 10.80 14.90 44 26.55 33.60 30.20 42.10

 Important Notices

Annual Premium Rate Table (Cont’d) Great Early Cancer Care is a non-participating plan. Premiums
are payable up to age 80 years next birthday or until a claim has
Per RM1,000 Sum Assured (RM) been made on intermediate stage cancer or advanced stage
Age Next Male Female cancer or until death, whichever occurs first. The plan will mature
Birthday at policy anniversary on which the life assured’s age is 80 years
Non- Non- next birthday. Any increase in coverage shall entail an increase in
Smoker Smoker
Smoker Smoker premium payment.
45 27.85 35.60 31.60 44.00
You should satisfy yourself that this plan will best serve your
46 29.15 37.60 33.00 45.90 needs and that the premium payable under the policy is an
amount you can afford. A free-look period of 15 days is given for
47 31.50 40.70 34.75 48.10 you to review the suitability of the plan. If the policy is returned
to the Company during this period, the full premium would be
48 33.80 43.80 36.50 50.30 refunded to the policy owner minus the expenses incurred for
49 36.10 46.90 38.25 52.50 medical examination, if any. If you switch your policy from one
company to another or if you exchange your current policy with
50 38.40 50.20 40.00 54.95 another policy within the same company, you may be required to
submit an application where the acceptance of your proposal will
51 40.70 53.30 41.70 57.20 be subject to the terms and conditions to be imposed at the time
of the policy switching or replacement.
52 44.00 57.65 44.20 60.30

53 47.30 61.95 46.75 63.40 The policy may not have a guaranteed minimum cash value on
termination until after you have paid premiums for two years. If
54 50.60 66.30 49.25 66.50 you cash your policy early you may get back less than the amount
you have paid. If you stop paying premiums before the end of
55 53.90 71.25 51.75 70.25
the premium payment term, an automatic premium loan will be
56 57.20 75.60 54.25 73.40 effected under your policy to pay future premiums so long as
the cash value is more than the total indebtedness. Cessation of
57 62.30 84.30 58.35 78.65 premium payment before the end of the premium payment term
may lead to early termination of coverage.
58 67.35 94.95 62.50 86.15

59 72.40 106.15 66.60 95.55 This brochure is for general information only. It is not a contract
of insurance. You are advised to refer to the Sales Illustration,
60 77.45 118.00 70.70 101.20 Product Disclosure Sheet, consumer education booklet on
Medical and Health Insurance product (MHI) and sample policy
The premium rates are non-guaranteed and may be revised from documents for detailed important features and benefits of the
time to time. Upward revision of premium rates, if any, will be plan before purchasing the plan. The exclusions and limitations
done on your policy anniversary and we will notify you in writing at of benefits highlighted above are not exhaustive. For further
least three months before the revision takes place. The revision, information, reference shall be made to the terms and conditions
if any, will aim to reflect our claim experience or other justified specified in the policy issued by Great Eastern Life.
circumstances. Such changes will be applicable to all policy
owners regardless of their individual claims experience.
If there is any discrepancy between the English, Bahasa Malaysia
and Chinese versions of this brochure, the English version shall
prevail.

The terms “Great Eastern Life” and “the Company” shall refer to
Great Eastern Life Assurance (Malaysia) Berhad.

For more information, please contact your friendly Great

Eastern Life Planning Advisor or Customer Service Careline
at 1300-1300 88.

HEAD OFFICE
Great Eastern Life Assurance (Malaysia) Berhad (93745-A)
Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur
03-4259 8888
03-4259 8000
wecare-my@greateasternlife.com
www.greateasternlife.com
BRANCH OFFICES / PEJABAT CAWANGAN / ‫ݴ‬ႜ‫ں‬኷
Alor Setar Kuching
66 & 68, Jalan Teluk Wan Jah House No. 51, Lot 435
05200 Alor Setar, Kedah Section 54, KTLD
Tel: 04-731 9877 Fax: 04-731 9878 Travilion Commercial Centre
Batu Pahat Jalan Padungan
109, Jalan Rahmat 93100 Kuching, Sarawak
83000 Batu Pahat, Johor Tel: 082-412 736 Fax: 082-426 684
Tel: 07-432 5562 Fax: 07-432 5560 Lahad Datu
Bintulu Ground & 1st Floor
No. 313, Lot 3956, Phase 4 MDLD 3804, Lot 66
Bintulu Parkcity Commerce Square Fajar Centre, Jalan Segama
Jalan Tun Ahmad Zaidi / 91100 Lahad Datu, Sabah
Jalan Tanjung Batu Tel: 089-884 136 Fax: 089-884 226
97000 Bintulu, Sarawak Melaka
Tel: 086-336 676 Fax: 086-332 601 No. 23, Jalan PM 15
Ipoh Plaza Mahkota
Wisma Great Eastern 75000 Melaka
16, Persiaran Tugu, Greentown Ave Tel: 06-282 4577 Fax: 06-283 4579
30450 Ipoh, Perak Miri
Tel: 05-254 2027 Fax: 05-255 5578 Lots 1260 & 1261
Johor Bahru Block 10, M.C.L.D, Jalan Melayu
10th Floor, Menara Pelangi 98000 Miri, Sarawak
Jalan Kuning, Taman Pelangi Tel: 085-413 299 Fax: 085-417 518
80400 Johor Bahru, Johor Penang
Tel: 07-334 1022 Fax: 07-334 9122 25, Light Street
Klang 10200 Penang
No. 8 & 10, Jalan Tiara 2A Tel: 04-262 2141 Fax: 04-262 2140
Bandar Baru Klang Sandakan
41150 Klang, Selangor Lot 5 & 6, Block 40
Tel: 03-3343 6688 Fax: 03-3341 3398 Lorong Indah 15
Kluang Bandar Indah, Phase 7
No. 22 & 24 Mile 4, North Road
Jalan Md Lazim Saim 90000 Sandakan, Sabah
86000 Kluang, Johor Tel: 089-213 484 Fax: 089-271 343
Tel: 07-772 3529 Fax: 07-772 3449 Seremban
Kota Bharu 101 & 103, Jalan Yam Tuan
No. S25/5252-T & U 70000 Seremban
Jalan Sultan Yahya Petra Negeri Sembilan
15200 Kota Bharu, Kelantan Tel: 06-763 6120 Fax: 06-763 1480
Tel: 09-748 2332 Fax: 09-744 9701 Sibu
Kota Kinabalu No. 10 A-F
Wisma Great Eastern Wisma Great Eastern
Level 4 & 5, No. 65 Jalan Gaya Persiaran Brooke
88000 Kota Kinabalu, Sabah 96000 Sibu, Sarawak Great Eastern Life Assurance (Malaysia) Berhad (93745-A) is licensed under the
Tel: 088-252 033 Fax: 088-210 437 Tel: 084-312 829 Fax: 084-333 925 Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
MCM/GECC/V1/09/16

Kuala Terengganu Taiping For the latest contact details, please refer to the Company’s website.
2nd Floor, 6F 133A, Jalan Barrack
Bangunan Persatuan Hin Ann 34000 Taiping, Perak
Jalan Air Jernih, 20300 Tel: 05-805 1021 Fax: 05-805 1023 Great Eastern Life Assurance (Malaysia) Berhad (93745-A) dilesenkan di bawah Akta
Kuala Terengganu, Terengganu Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia.
Tawau
Tel: 09-622 4959 Fax: 09-626 5195 Ground Floor Untuk maklumat lanjut, sila layari laman sesawang Syarikat.
Kuantan Wisma Great Eastern
A25, Jalan Dato Lim Hoe Lek Jalan Billian
25200 Kuantan, Pahang 91000 Tawau, Sabah 大东方人寿保险（马来西亚）有限公司（93745-A）在2013年金融服务法令下获得
Tel: 09-515 7666 Fax: 09-515 8477 Tel: 089-771 322 Fax: 089-762 341 执照并由马来西亚国家银 行管制。

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