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Affordable Online Critical Illness Insurance

If you are diagnosed with a critical illness like cancer, heart attack or kidney failure, Tune Protect Critical Safe+ helps you cope financially with direct payments to YOU. Choose from three affordable options with Sum Insured as high as RM200,000. Enhance your protection with add-ons like Early Stage cover. Enjoy instant 15% discount online.

Rest assured that with Critical Safe+, you’ll have the necessary financial help when needed so you can focus fully on your recovery.

Benefits

Three Easy Options
Three Easy Options
Choose to cover the Top 2, Top 5 or all 39 critical illnesses, depending on your needs.
Early Stage Cover
Early Stage Cover
You can add-on coverage for early stage of the Top 5 critical illnesses. Get the treatment needed to ensure that the disease does not get worse!
Diabetic Cover
Diabetic Cover
Add-on coverage for diabetic complications with additional standalone Sum Insured of up to RM50,000.
15% Online Discount
15% Online Discount
Enjoy immediate discount of 15% when you purchase online.
Fast Claims
Fast Claims
Make a claim quickly and easily! See How To Claim section below.

Options

  • Top 2 CI
  • Top 5 CI
  • 39 Critical Illnesses

Top 2 Critical Illnesses

Covers advanced stages of:
  • Heart Attack
  • Cancer
Sum Insured choice of RM30,000 – RM200,000
100% payout of Sum Insured upon diagnosis
No add-on options

Top 5 Critical Illnesses

Covers advanced stages of:
  • Heart Attack
  • Stroke
  • Cancer
  • Serious Coronary Artery Disease
  • Kidney Failure
Sum Insured choice of RM30,000 – RM200,000
100% payout of Sum Insured upon diagnosis
Optional add-ons

39 Critical Illnesses

Covers advanced stages of 39 critical illnesses
Sum Insured choice of RM30,000 – RM200,000
100% payout of Sum Insured upon diagnosis

* For Angioplasty and other invasive treatments for coronary artery disease, 10% of Critical Illness Sum Insured is eligible for claims. This event is payable once only.

Optional add-ons

Optional Add-ons

  • Covers early stages of:
    1. Heart Attack
    2. Stroke
    3. Cancer
    4. Coronary Artery Disease
    5. Kidney Failure
  • 50% payout of Sum Insured upon diagnosis
  • Covers :
    1. Surgery for Type 2 Diabetic Retinopathy
    2. Severe Diabetic Nephropathy
    3. Limb Amputation due to Type 2 Diabetic Complications
  • Standalone (separate) Sum Insured choice of RM7,500 – RM50,000


For full details of Plan Options and Optional Add-ons, please see the Policy Wording below.

Important Documents

PRODUCT DISCLOSURE SHEET

POLICY WORDING

NOMINATION OF BENEFICIARY FORM

FACT SHEET




How to Claim

STEP 1

Download and fill up the claim form here.

STEP 2

Submit the claim form along with the supporting documents to [email protected].​

STEP 3

Your claim will be reviewed accordingly and if approved, payment will be made within 3 working days from the approval date.

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Product Info Buy Now


Member of PIDM

The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tune Protect or PIDM.
PIDM

Frequently Asked Questions

More questions? Read on!

This product provides choices of Critical Illness coverage with 3 options and 5 plans depending on your needs. Coverage options includes Advanced Stage, Early Stage and Diabetic Care Disease.

This product provides lump sum payment for any of the covered Critical Illness diagnosed at either the Early and/or Advanced Stage as stated in your Schedule of Benefits, depending on the coverage you have chosen.

Diabetic Care Disease provides a lump sum payment for the covered conditions. Claims made under Diabetic Care Disease benefit will not decrease the Sum Insured of your plan. However, if claims are made under Diabetic Care Disease, this benefit shall be terminated.

It is open to either Malaysian citizen, Permanent Residence of Malaysia or a legal work permit or employment pass holder who is legally residing in Malaysia.

Age eligibility: age between 15 days to 60 years old, renewal up to 70 years old.

Advanced Stage Critical Illness

100% of the Sum Insured (except for Angioplasty and other invasive treatments for coronary artery disease if the Insured Person purchases 39 Critical Illness), less any benefit paid out previously under the Policy will be paid provided that the Insured Person survives for at least 7 days after the diagnosis of the Critical Illness.

Thereafter, the Policy will automatically terminate, and the policy is non-renewable.

Early Stage Critical Illness

50% of the Sum Insured will be paid provided that the Insured Person survives for at least 7 days after the diagnosis of the Critical Illness.

Thereafter, no benefit will be payable for future claims under Early Stage of any Critical Illness Category. The Critical Illness Sum Insured shall be reduced by the Early Stage Critical Illness Benefit payout under the Policy.

Assuming on 1/1/2022, a 30-year old non-smoker male buys Critical Safe+ with the following coverage(s) and plan:

Coverage: Top 5 Critical Illnesses with Early Stage and Diabetic Care Disease
Plan: 3 (Sum insured: RM100,000)

Kindly refer below table on how the payment of claim is payable for the Critical Illness policy:

Claim Diagnosis Critical Illness Stage Benefit Payable Remaining Sum Insured
1st claim
(24/12/2025)		 Carcinoma In Situ Early Stage 100K x 50%
= RM50K		 RM50K
2nd claim
(1/6/2027)		 Insertion of Pacemaker due to Serious Cardiac condition Early Stage Not payable 1 RM50K
3rd claim
(19/7/2029)		 Severe Diabetic Nephropathy Diabetic Care RM25K RM50K
4nd claim
(29/9/2031)		 Serious Coronary Artery Disease Advanced Stage (RM100Kx100%)
- RM50K = RM50K		 Policy terminated2

Total Claims payable: RM50,000 + RM25,000 + RM50,000 = RM125,000 (including claim paid under Diabetic Care Disease).

1 If 2nd claim is from the same Critical Illness Stage (Early Stage) as previous claim (i.e 1st claim), such 2nd claim will not be payable by us.

2 Policy terminated as the Sum Insured RM100k has been fully paid.

You must choose 1 of the 3 options specified below (Advanced Stage Critical Illness):

Option 1 – Top 2 Critical Illnesses
  • Heart Attack - of specified severity
  • Cancer - of specified severity and does not cover very early cancers

Option 2 – Top 5 Critical Illnesses
  • Heart Attack - of specified severity
  • Cancer - of specified severity and does not cover very early cancers
  • Stroke - resulting in permanent neurological deficit with persisting clinical symptoms
  • Serious Coronary Artery Disease
  • Kidney Failure - requiring dialysis or kidney transplant

Option 3 – 39 Critical Illnesses
  • Heart Attack - of specified severity
  • Cancer - of specified severity and does not cover very early cancers
  • Stroke - resulting in permanent neurological deficit with persisting clinical symptoms
  • Serious Coronary Artery Disease
  • Kidney Failure - requiring dialysis or kidney transplant
  • Coronary Artery By-Pass Surgery
  • Angioplasty and other invasive treatments for coronary artery disease*
  • End-Stage Liver Failure
  • Fulminant Viral Hepatitis
  • Coma – resulting in Permanent Neurological Deficit with Persisting Clinical Symptoms
  • Benign Brain Tumor - of specified severity
  • Paralysis of Limbs
  • Blindness – Permanent and Irreversible
  • Deafness – Permanent and Irreversible
  • Third Degree Burns – of specified severity
  • HIV Infection Due to Blood Transfusion
  • Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
  • Full-blown AIDS
  • End-Stage Lung Disease
  • Encephalitis – resulting in permanent inability to perform Activities of Daily Living
  • Major Organ or Bone Marrow Transplant
  • Loss of Speech
  • Brain Surgery
  • Heart Valve Surgery
  • Terminal Illness
  • Loss of Independent Existence
  • Bacterial Meningitis – resulting in permanent inability to perform Activities of Daily Living
  • Major Head Trauma – resulting in permanent inability to perform Activities of Daily Living
  • Chronic Aplastic Anemia - resulting in permanent Bone Marrow Failure
  • Motor Neuron Disease – permanent neurological deficit with persisting clinical symptoms
  • Parkinson’s Disease - resulting in permanent inability to perform Activities of Daily Living
  • Alzheimer’s Disease or Severe Dementia
  • Muscular Dystrophy
  • Surgery to Aorta
  • Multiple Sclerosis
  • Primary Pulmonary Arterial Hypertension – of specified severity
  • Medullary Cystic Disease
  • Cardiomyopathy – of specified severity
  • Systemic Lupus Erythematosus with Severe Kidney Complications

* For Angioplasty and other invasive treatments for coronary artery disease, 10% of Critical Illness Sum Insured is eligible for claims. This event is payable once only.
There are 2 optional covers as specified below. However, these optional covers are only applicable for Top 5 Critical Illness and 39 Critical Illness option only.

a) Early Stage Critical Illness
  • Heart Attack
    1. Insertion of Cardiac Defibrillator
    2. Insertion of Pacemaker
  • Cancer
    1. Carcinoma in situ
    2. Early Prostate Cancer
    3. Early Thyroid Cancer
    4. Early Bladder Cancer
    5. Early Chronic Lymphocytic Leukemia
    6. Surgical Excision of a Spinal Meningioma
  • Stroke
    1. Carotid Artery Surgery
  • Coronary Artery Disease
  • Kidney Failure
    1. Chronic Kidney Disease
b) Diabetic Care Disease
  • Surgery for Type 2 Diabetic Retinopathy
  • Limb Amputation due to Type 2 Diabetic Complications
  • Severe Diabetic Nephropathy
Yes, there is waiting period applied for this insurance as below:
Description Waiting Period
Advanced Stage Critical Illness 30 days
Early Stage Critical Illness 60 days
Diabetic Care Disease 60 days
Survival period means the period of 7 days after the diagnosis of a covered Critical Illness for which you must survive before a claim becomes valid.
No, there is no option to add on the optional cover, upgrade or downgrade the insurance coverage after purchasing this insurance. Please ensure the plan that you choose is sufficient for your needs before making payment.
Critical illness provides financial support and pay a lump sum pay-out if you are diagnosed with a covered critical illness.
Medical insurance provides financial support by paying for your hospitalization bills if you are admitted to a hospital due to a covered medical condition.
No, you just need to answer a few health questions during the purchase process, and it is subject to our acceptance.
The premium you have to pay is depends on the option, plan type, your attained age next birthday, gender and smoking status. Please refer to Premium Table for the premium that you need to pay.
The premium rate is not guaranteed and may be revised from time to time. 30 days written notice in advance will be given to you and the premium revision will be applicable from the next policy anniversary.
You are only allowed to sign up for one policy only.
The policy will be automatically terminated upon the first occurrence of any one of the following events:
  • termination in accordance with the grace period clause under the Premium and Charges Provision of the policy contract;
  • cancellation of the policy;
  • lapsation of the policy;
  • on the expiry date;
  • 100% of the Critical Illness sum insured has been fully paid;
  • when the Insured Person ceases to satisfy any one of the eligibility criteria stated above in item 2; or
  • death of the Insured Person.
  • You are required to send us a duly completed claim form and signed by you and your physician as soon as you can, no later than 30 days from the date of diagnosis of a disability made by your physician; and
  • You are required to provide us with a copy of completed medical report by your physician stipulating the diagnosis of the condition treated and the date the disability commenced in the physician’s opinion, bill, receipts and other related diagnostic report; and
  • You shall promptly give us all information we have requested.

Please send all your claim documentation to [email protected].
  • any Pre-Existing Illness which has existed prior to the issue date or any date of reinstatement of this policy, whichever is later
  • any Critical Illness or Diabetic Care Disease resulting directly from alcohol or drug abuse
  • any illness, injury or disability arising from any unlawful or illegal act of the Insured Person
  • any Critical illness or Diabetic Care Disease arising from Congenital Conditions or deformities including hereditary conditions
  • the Insured Person refusing to consent to treatment or defying the advice of a special physician
  • hazardous sports or pastimes including taking part in (or practicing for) professional sports, aerial sports, boxing, caving, climbing, horse-racing, jet-skiing, martial arts, mountaineering, off-piste skiing, pot-holing, power-boat racing, underwater diving, yacht racing or any race, trial or timed motor sport
  • the Insured Person is directly or indirectly involved in any of the occupations/duties listed below:
    1. Equestrian Jockeys, Racing Drivers, Professional Athletes
    2. Military, Armed Forces/Armed Personnel, Bodyguards
    3. Ship Crew, Shipbuilding and Repair Workers, Agricultural, Forestry or Fishery Workers
    4. Seamen, Divers, Oil and Gas Rig Workers, Power Plants Workers, Firefighters
    5. Mining Workers who work underground or use explosives/chemicals
    6. Construction workers for dams, bridges, tunnels or underground work
    7. Window cleaners and construction workers at heights exceeding 30 ft above ground
    8. Workers that handle boilers, pressure vessels, explosives or toxic materials.
    9. Circus Performers, Stuntmen/Stuntwomen, Prison Officers, Wild Animal Handlers
    10. Workers handling explosives and other toxic materials.
    11. Heavy machinery and truck drivers

Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions under the Policy.
If you switched to another insurer and your current health status is less favourable to the new insurer, you may be subject to new terms and conditions from the new insurer and have to go through the standard waiting period before you can make any claim.
Please contact us at 1-800-88-5753 or email us at [email protected] and we will help you to resolve your issues.
You may choose to pay your premium monthly or annually.
Yes, once the payment details have been captured. We will charge the recurring monthly premium every month automatically when it becomes due.
You are only allowed to make payment mode changes upon renewal (i.e on the policy anniversary).
Yes, you can enjoy better savings if you opt to pay premiums annually compared to monthly.
Please try to make payment immediately to avoid disruption to your coverage. Coverage will cease 15 days after your last premium due date. Please contact our Customer Service for assistance to make payment.
Yes, the premium you have paid may qualify for income tax relief subject to the terms and conditions of the Inland Revenue Board of Malaysia.
No, we will invite renewal as per existing terms as long as your sum insured is not exhausted.