Critical Illness Insurance

Unfortunately, InfiniCare does not accept applications for individuals with cancer-related medical history.

Carcinoma –in-situ, as known as “0 stage cancer”, is the earliest stage of cancer. In this stage, the malignant is restricted to a spot and border of which with normal tissues nearby is significant where cancer cells have not yet penetrated the basement membrane or invaded (in the sense of infiltrating and / or actively destroying) the surrounding tissues or stroma. Carcinoma-in-situ must be confirmed by a biopsy. For definition of which, please refer to our Policy Wordings. An Early-stage Malignancy is any condition stated below: (a) Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification; (b) Tumor of the prostate histologically classified as T1a or T1b according to the TNM classification system; (c) Chronic lymphocytic leukemia classified as RAI Stage I or II; or (d) Non-melanoma skin cancer Definitions according to InfiniCare’s Policy 1. Carcinoma-in-situ A histologically proven, localized pre-invasion lesion where cancer cells have not yet penetrated the basement membrane or invaded (in the sense of infiltrating and / or actively destroying) the surrounding tissues or stroma. Cervical intraepithelial neoplasia grade III (CIN III) and prostatic intraepithelial neoplasia grade III (PIN III) are also included. For the avoidance of doubt, Carcinoma-in-situ does not include any of the following: (a) Cervical intraepithelial neoplasia grade II (CIN II) or below; and (b) Prostatic intraepithelial neoplasia grade II (PIN II) or below; and (c) Skin Carcinoma-in-situ. For purposes of this Policy, Carcinoma-in-situ must be confirmed by a biopsy. 2. Early-stage Malignancy The presence of one of the following malignant conditions: (a) Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification. (b) Tumor of the prostate histologically classified as T1a or T1b according to the TNM classification system. (c) Chronic lymphocytic leukemia classified as RAI Stage I or II; or (d) Non-melanoma skin cancer. The diagnosis must be based on histopathological features and confirmed by a Registered Medical Practitioner. Pre-malignant lesions and conditions, unless listed above, are excluded.

Survival period is common among Critical Illness insurances to ensure the Insured Person to survive for a specific period (usually 7 to 30 days) of time after the first diagnosis date of a critical illness in order to be entitled to claim. For InfiniCare, there’s a 14-day Survival Period for Terminal Illness. There is no survival period required for other Critical Illness listed in InfiniCare’s Policy as long as the Insured Person is confirmed to be diagnosed with the covered critical illness before passing away.

It normally takes time for individuals to recover after being diagnosed with a critical illness, hence increasing the risk of giving up one’s career and income. Although medical costs can be covered by Medical Insurance, the loss of income cannot be reimbursed by which. If the Insured Person is diagnosed with critical illness that is listed in the policy, a one-off cash benefit will be paid to the Insured Person for subsidizing their expenses.

Since Critical Illness Insurance does not reimburse the Insured Person for one’s actual expenses, the Insured Person can decide to purchase more than one Critical Illness Insurance based on one’s needs and affordability. Please be noted that each Insured Person can only possess one InfiniCare policy.