Critical illness Yearly Renewable Term Rider – FWD Health Insurance




Critical illness Yearly Renewable Term Rider (CIYRT)

– a Module of FWD Health Insurance Package


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(Critical Illness, Death and Total Permanent Disability)


The Company will pay a benefit 100% of sum insured of the rider contract upon the occurrence of any of the followings:

The diagnosis of the critical illness as the followings
1. Cancer
2. Stroke
3. Heart Attack
4. Coronary Artery Disease Requiring Surgery
5. Heart Valve Surgery – Repair
6. Heart Valve Surgery –Replacement
7. Surgery to the Aorta
8. Severe Aortic Dissection requiring Surgery
9. Encephalitis
10. Benign Brain Tumour
11. Bacterial Meningitis
12. Motor Neurone Disease
13. Amyotrophic Leteral Sclerosis
14. Progressive Bulbar Palsy
15. Progressive Spinal Muscular Atrophy
16. Deafness
17. Loss of Speech
18. Major Burns
19. Major Organ Transplant
20. Terminal Illness
21. Renal / Kidney Failure
22. Paralysis
23. Coma
24. Chronic / End-Stage Liver Disease
25. Chronic / End Stage Lung Disease
26. Chronic Obstructive Pulmonary Disease
27. Muscular Dystrophy
28. Aplastic Anaemia
29. Multiple Sclerosis
30. Poliomyelitis
31. Alzheimer’s Disease
32. Fulminant Viral Hepatitis
33. Major Head Trauma
34. Parkinson’s Disease
35. Pulmonary Arterial Hypertension
36. Severe Rheumatoid Arthritis
37. Systemic Lupus Erythematosus with Lupus Nephritis
38. Brain Surgery / Cerebral Aneurysm
39. Apallic Syndrome / Vegetative State
40. Cardiomyopathy
41. Loss of Independent Existence
Critical illness: means the critical illness, which has been diagnosed for the first time by the physician and acceptable to the Company. The symptoms of any critical illness must begin 90 days after to the contract effective date. Critical Illness referred to herein shall include any one illness specified in Clause 1 to 41 of Description of Benefits.
General Provision for Rider Contract
• Insured ages: 16 – 60 (as of last birthday)
• Maximum insured age: 70
• Minimum sum insured: 100,000 baht
• Maximum sum insured:
  – 3 times of base sum insured (include ACIYRT)
  – 3,000,000 baht (include every type of CIYRT coverage of the insured)
• CIYRT sum insured is added to the base policy sum insured to determine requirement for medical check up.
• This rider is allowed within the first 3 years after base contract becomes effective.
The information contained herein is provided as preliminary information only. The coverage purchased, terms and conditions as well as benefits thereof shall be as stipulated in the policy contract


© Copyright 1999-2013 FWD Life Insurance Public Company Limited. All Rights Reserved.



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For a personal (‚tailored‘) inquiry, or any questions, do not hesitate to call us!

We are an authorised agency of FWD Life Insurance Public Company Limited.

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From within Thailand: 085-261-2963


Andy Rodewald @ FWD Life Insurance Public Company Limited


Mobile TH: 0066 (0) 85 261 2963

Phone DE: 0049 (0) 5971 801 818 30

Fax: 0049 (0) 5971 80 1818 39


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