Perlindungan Optimal Penyakit Kritis

1. Early-Stage Critical Illness
Zurich will pay a benefit in the form of the Sum Assured as specified in the Policy Summary if, based on a specialist doctor's diagnosis, you are medically confirmed to have first-time early-stage critical illness covered under the Policy. After the first claim for Early-Stage Critical Illness is made, you are still entitled to submit a claim again for the Sum Assured on a different benefit, as specified in the Policy Summary.

2. Late-Stage Critical Illness
Zurich will pay a benefit in the form of the Sum Assured as specified in the Policy Summary if, based on a specialist doctor's diagnosis, you are medically confirmed to have first-time late-stage critical illness covered under the Policy with the following provisions:

1. If you have already made a claim and received the Early-Stage Critical Illness benefit, the Late-Stage Critical Illness benefit paid by Zurich will be 1 (one) time the Sum Assured.
2. If you have already made a claim and received the Early-Stage Critical Illness benefit, the Late-Stage Critical Illness benefit paid by Zurich will be 1 (one) time the Sum Assured.

3. Terminal Illness
Zurich will pay a benefit in the form of the Sum Assured as specified in the Policy Summary if, based on a specialist doctor's diagnosis, you are diagnosed with a Terminal Illness, which is a definite diagnosis of a disease expected to cause death within a specified period, in accordance with applicable medical standards. This diagnosis must be supported by a Specialist Doctor and confirmed by a Doctor appointed by Zurich, with the following provisions:

1. If you have already made a claim and received the Early-Stage Critical Illness benefit, the Terminal Illness benefit paid by Zurich will be 1 (one) time the Sum Assured.
2. If you have never made a claim or received the Early-Stage Critical Illness benefit before, the Terminal Illness benefit paid by Zurich will be 2 (two) times the Sum Assured.

4. Second Medical Opinion
If the insured is first diagnosed with a Critical Illness, whether early-stage, late-stage, or Terminal Illness, and seeks a second medical opinion from another certified medical professional regarding the diagnosis or alternative treatment options, the insurer will provide a benefit for the Second Medical Opinion in accordance with the terms and conditions specified in the Policy. The Second Medical Opinion benefit can only be claimed if the following conditions are met:

1. The consultation must be conducted with a specialist who has the same or a higher level of expertise than the specialist who provided the initial diagnosis.
2. The follow-up examination must be conducted with the same or a higher level of thoroughness as the initial examination conducted during the first diagnosis.