Critical Illness Benefit: If you are diagnosed with a covered condition and survive for at least 30 days after, you receive a tax-free, lump-sum cash payment.

Early Detection Benefit: You can receive a smaller, one-time payment for certain early-stage conditions. This does not reduce your main critical illness benefit.

Return of Premiums (ROPD): If you pass away without ever making a critical illness claim, your named beneficiary will receive a refund of the fees paid for this rider (up to $2,000,000).

The illness must be one of the conditions specifically listed in your policy.

A qualified doctor (not a family member or business partner) must provide the diagnosis while your policy is active.

For most conditions, you must survive 30 days after your diagnosis. Some specific conditions require a longer 90-day waiting period.

Cancer Rules: For certain early-stage cancers, you are not covered if you showed signs or symptoms within the first 90 days of starting your policy. Always report any medical diagnosis to the insurer within 6 months.

One-Time Payouts: The main critical illness benefit is paid only once. After it is paid, your coverage under this rider ends. The early detection benefit is also a one-time-only payment.

Who Receives Payment: You (the person insured) usually receive the critical illness and early detection payments. The return of premium payout goes to the beneficiary you named in your application.

A critical illness benefit or return-of-premium benefit is paid.

The 20-year term reaches its expiry date.

The policy is cancelled or lapses due to unpaid premiums.