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Critical Illness

Introducing China Life SOPHY: Comprehensive Critical Illness Protection

In today's uncertain world, critical illness insurance plays a vital role in safeguarding your financial well-being. China Life Insurance (Singapore) presents SOPHY, a revolutionary yearly renewable critical illness plan that goes beyond conventional coverage. SOPHY offers easy-to-understand, body-system-based protection that not only covers existing conditions but also future-proofs your health security. With SOPHY, you can rest assured knowing you're protected against diseases that haven't even been discovered yet, providing peace of mind for you and your loved ones.

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Coverage and Benefits

SOPHY offers a comprehensive approach to critical illness protection, covering a wide range of conditions and providing flexible benefits to suit your needs. Let's explore the key features of this innovative plan:

Extensive Coverage

SOPHY protects against cancers of all stages, as well as moderate to severe impairments or surgeries related to cardiovascular and neurological systems. This includes conditions that are not yet known today, ensuring future-proof coverage.

Flexible Payout

The plan offers a lump sum payment upon diagnosis of covered conditions. For most critical illnesses, you'll receive 100% of the sum insured, ranging from $50,000 to $300,000 depending on your chosen plan.

Angioplasty Benefit

SOPHY includes coverage for angioplasty and other invasive treatments for coronary artery. This benefit pays out 10% of the sum insured, subject to a maximum of $25,000.

Death Benefit

In the event of the life insured's death, SOPHY provides a lump sum payment of $20,000, offering additional financial protection for your loved ones.

Additional Benefits

SOPHY goes beyond basic critical illness coverage to provide you with comprehensive protection and peace of mind. Here are some additional benefits that make this plan stand out:

Future-Proof Protection

SOPHY's unique body-system-based coverage ensures protection against diseases that may not be known today. This forward-thinking approach keeps you protected as medical science advances.

Flexible Sum Insured

Choose from five different plan options with sum insured ranging from $50,000 to $300,000. This flexibility allows you to select the coverage that best fits your needs and budget.

Yearly Renewable

SOPHY is a yearly renewable plan, allowing you to adjust your coverage as your needs change over time. The policy can be renewed automatically up to the life insured's age of 85.

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Policy Term and Renewability

SOPHY offers flexible policy terms and renewability options to ensure long-term protection that adapts to your changing needs. Here's what you need to know about the policy duration and renewal process:

Entry Age Range

The minimum entry age for the life insured is 15 days after birth or discharge from the hospital, whichever is later. The maximum entry age is 65 years old, ensuring a wide range of eligibility.

One-Year Term

SOPHY has a policy term of one year, providing flexibility and the opportunity to reassess your coverage needs annually. This short-term structure allows for easy adjustments to your protection plan.

Automatic Renewal

The policy is automatically renewed at the end of each term for another one-year period, up to the life insured's age of 85. This ensures continuous coverage without the need for additional medical underwriting.

Claims and Customer Service

China Life Insurance (Singapore) is committed to providing excellent customer support and a smooth claims process. To file a claim or seek assistance, policyholders can contact the customer service team at 6727 4800, available Monday to Friday from 9am to 5:30pm. Alternatively, you can reach out via email at [email protected]. The dedicated team is ready to guide you through the claims process, answer any questions about your policy, and provide the support you need during challenging times. For more information or to access online services, visit the official website at www.chinalife.com.sg.

Conclusion

China Life SOPHY offers a unique and comprehensive approach to critical illness protection that can benefit a wide range of individuals. This plan is particularly well-suited for those who value future-proof coverage, including young professionals planning for long-term security, families seeking flexible protection options, and individuals concerned about emerging health risks. SOPHY's innovative body-system-based coverage and renewable structure make it an excellent choice for anyone looking to secure their financial future against the uncertainties of critical illnesses.
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