Add to the basic plan to provide supplementary benefits
			Offer protection against 45 critical illnesses
			Can provide as high as 5 times of the sum assured of the basic plan
			Pay 5 times of the basic sum assured if the insured is diagnosed with any one of the critical illnesses after the rider has been in effect for 90 days
			Require no premium in case of disability before age 60
		In the event of the listed critical illnesses, you will receive as much as 5 times of the basic sum assured, while the basic sum assured will remain unaffected to ensure comprehensive coverage You have the privilege of converting the policy into a permanent plan before age 60 without further evidence of insurability       Critical Illness Rider HeathGuard 35 HeathGuard 35 Plus
This plan will be renewed annually up to the expiry age as stated in the policy contract. The renewal premium will be based on the age of the Insured at application and the applicable premium rate table upon renewal. Such premium rate table is not fixed and the Company reserves the right to revise it from time to time.   The above information is for reference only. Details are subject to terms and conditions of the policy contract.