Optional Benefit Riders – Oasis
Customize your Oasis™ critical illness insurance protection with the following optional benefit riders:
Additional Critical Conditions
- Critical Condition Rider – adds coverage for the following 21 critical conditions:
- Alzheimer’s Disease
- Aortic Surgery
- Aplastic Anaemia
- Bacterial Meningitis
- Benign Brain Tumour
- Blindness
- Coma
- Coronary Artery Bypass Surgery
- Deafness
- Heart Valve Replacement
- Kidney Failure
- Loss of Limbs
- Loss of Speech
- Major Organ Failure on Waiting List
- Major Organ Transplant
- Motor Neuron Disease
- Multiple Sclerosis
- Occupational HIV Infection
- Paralysis
- Parkinson’s Disease
- Severe Burns
- Critical Condition Plus Rider — adds 22 illnesses, disorders or surgeries as critical conditions covered under the policy. It includes the 21 critical conditions listed above, as well as Loss of Independent Existence.
Return of Premium Riders
- Return of Premium at Expiry Rider – returns the eligible premium paid for the policy if the owner maintains the policy to the policy expiry date.
- Return of Premium (Year 10+, Year 15+, Age 60+) Rider – provides for the return of all or a portion of the eligible premium paid for the policy if the owner elects a partial or maximum return of premium benefit on one of the optional return of premium dates.
- Return of Premium at Death Rider – returns the eligible premium paid for the policy if the insured dies from any cause.
Second Event Rider – provides a limited amount of coverage for a specified condition if the insured has received the critical condition benefit before age 65 for Heart Attack, Life-Threatening Cancer or Stroke. If the critical condition was:
- Heart Attack or Stroke – limited coverage will be provided for Life-Threatening Cancer
- Life-Threatening Cancer – limited coverage will be provided for Heart Attack
Automatic Increasing Benefit Rider – automatically increases the critical condition benefit amount on specified dates and the premium will increase accordingly.
Waiver of Premium on Disability Rider – waives the premium while you are totally disabled, as defined in the policy.
For more details on the Oasis plan, see our At a Glance brochure or contact your financial security advisor.
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