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).



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.


Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This advertisement is for general circulation only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This advertisement is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions. This rider is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your rider 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 us or visit the Life Insurance Association, Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at August 2020.