With China Life Critical Care Rider or DIRECT-China Life Critical Care Rider, you will receive a lump sum death benefit of the basic plan1 in the event that you are diagnosed with any of the covered critical illnesses (CIs). You can attach this rider to your basic plan to receive CI coverage.


Product Features:

Features Details
Critical Illness Benefit2 In the event that the life insured is diagnosed with any of the covered critical illnesses during the rider term, we will accelerate part or all of the death benefit of the basic plan. 1
Premium Payment Type Regular Premium.
Rider Term Follows policy term of basic plan.
Entry Age Follows minimum and maximum age of basic plan.


There are certain conditions under which no benefit under this rider will be payable. Please refer to your policy contract for full details of the exclusions.


The Critical Illnesses include the following:


1 Major Cancer
2 Heart Attack of Specified Severity
3 Stroke with Permanent Neurological Deficit
4 Coronary Artery By-Pass Surgery
5 End Stage Kidney Failure
6 Irreversible Aplastic Anaemia
7 End Stage Lung Disease
8 End Stage Liver Failure
9 Coma
10 Deafness (Irreversible Loss of Hearing)
11 Open Chest Heart Valve Surgery
12 Irreversible Loss of Speech
13 Major Burns
14 Major Organ / Bone Marrow Transplantation
15 Multiple Sclerosis
16 Muscular Dystrophy
17 Idiopathic Parkinson’s Disease
18 Open Chest Surgery to Aorta
19 Alzheimer’s Disease / Severe Dementia
20 Fulminant Hepatitis
21 Motor Neurone Disease
22 Primary Pulmonary Hypertension
23 HIV Due to Blood Transfusion and Occupationally Acquired HIV
24 Benign Brain Tumour
25 Severe Encephalitis
26 Severe Bacterial Meningitis
27 Angioplasty & Other Invasive Treatment for Coronary Artery *
28 Blindness (Irreversible Loss of Sight)
29 Major Head Trauma
30 Paralysis (Irreversible Loss of Use of Limbs)
31 Terminal Illness^
32 Progressive Scleroderma^
33 Persistent Vegetative State (Apallic Syndrome)^
34 Systemic Lupus Erythematosus with Lupus Nephritis^
35 Other Serious Coronary Artery Disease^
36 Poliomyelitis^
37 Loss of Independent Existence^
38 Cardiomyopathy^


*Angioplasty’s benefit limited to maximum of 10% of sum insured or SGD25,000, plus 10% of the accumulated bonus (if applicable).

^Not applicable for DIRECT-China Life Critical Care Rider


The Life Insurance Association Singapore (LIA) has standard definitions for 37 severe-stage Critical Illnesses (Version 2019). These Critical Illnesses fall under Version 2019. You may refer to www.lia.org.sg for the standard definitions (Version 2019).


Distributed By:
Our Financial Advisers Partners:

1. If the life insured is diagnosed with any of the critical illnesses except for an illness which requires Angioplasty & Other Invasive Treatment For Coronary Artery, a lump sum benefit of 100% of the sum assured of the critical illness rider plus the accumulated bonus (if any) is payable. If the life insured is diagnosed with an illness which requires Angioplasty & Other Invasive Treatment For Coronary Artery, a lump sum benefit of 10% of the CI benefit payable of the critical illness rider is payable, subject to a maximum amount of SGD25,000, plus 10% of the accumulated bonus (if any). The remaining sum insured is the original sum insured less the amount first claimed for Angioplasty and Other Invasive Treatment for Coronary Artery.

2. The Critical Illness (CI) benefit payable is subject to the CI per life limit of SGD2,000,000 as aggregated with other policies and riders issued by us on the same life insured.


You should seek advice from a financial adviser representative before making a commitment to purchase the plan.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for the riders are not guaranteed and may be adjusted based on future claims experience.

This marketing material is for reference only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract. In case of discrepancy between the English and Mandarin versions, the English version shall prevail.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 15 Dec 2021.