Increase in sum assured:
Subject to underwriting, you can choose to increase the sum assured within 6 months from policy issue date, except for Step-up Critical Illness Plan and Step-up Early Care Rider whose sum assured cannot be applied for increase. For avoidance of doubt, the sum assured of Step-up Critical Illness Plan and Step-up Early Care Rider will increase by 5% automatically for the first 10 policy years. Please refer to the Step-up feature.
Decrease in sum assured:
You can choose to reduce the sum assured at any time as long as the base plan and riders are in-force, subject to the minimum sum assured of the base plan/riders as required by us.
Please note that:
- the sum assured of Early Care Rider/ Multi-claim Early Care Rider/ Step-up Early Care Rider must be the same as the base plan sum assured.
- the death benefit of the base plan is $8,000 regardless of the sum assured chosen.