RHB Critical Shield

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Why RHB Critical Shield ?

Critical Illnesses can strike anyone, anytime. That's why you need a plan to protect yourself from any financial crisis that may arise when you are diagnosed with a critical illness. RHB Critical Shield is designed to provide you with an assured financial shield so that you can focus solely on recovery. In addition to the coverage, you will receive a loyalty benefit of 10% per year and up to a maximum of 50% of Principal Sum Insured when there is no claim under the policy as well as an additional 10% pay out if you are diagnosed with certain covered critical illnesses. So, sign up now for enhanced protection and peace of mind!

Summary of Benefits

  1. Critical Illness Benefit
    This benefit is payable upon diagnosis of one of the "36 Critical Illness".
    The policy will be terminated upon pay out of the full amount.
  2. Loyalty Benefit
    Upon policy renewal, the principal sum insured will be increased by 10% each year up to a maximum of 50% provided no claim is made under the policy.
  3. Additional 10% of the Sum Insured
    An additional 10% of the sum insured will be payable to the Insured in the event if the Insured is diagnosed with any of the 6 listed Critical Illnesses; –
    Male: colon cancer, prostate cancer, liver cancer, testicular cancer, nasal cancer and cardiomyopathy
    Female: breast cancer, ovarian cancer, uterus cancer, cancer of the fallopian tubes,cervix cancer and cardiomyopathy

Table of Benefits


Plan 1

Plan 2

Plan 3

Plan 4

Principle Sum Insured (RM) 50,000 100,000 200,000 300,000
Loyalty Benefit The Principal Sum Insured will increase 10% each year up to a maximum of 50% provided no claim is made under the policy

Additional 10% Payout

An additional 10% of the Principal Sum Insured will be payable to the Insured Person in the event that Insured Person is diagnosed with any of the following listed critical illnesses. For male, it will be Colon Cancer, Prostate Cancer, Liver Cancer, Testicular Cancer, Nasal Cancer or Cardiomyopathy. As for female, it will be Breast Cancer, Ovarian Cancer, Uterus Cancer, Cancer of the Fallopian Tubes, Cervic Cancer or Cardiomyopathy


List of 36 Illnesses

  • Stroke
  • Heart Attack
  • Kidney Failure
  • Cancer
  • Coronary Artery Disease
  • Chronic Liver Disease
  • Fulminant Viral Hepatitis
  • Coma
  • Benign Brain Tumour
  • Paralysis / Paraplegia
  • Blindness
  • Loss of Hearing / Deafness
  • Major Burns
  • AIDS – due to Blood Transfusion
  • Chronic Lung Disease
  • Encephalitis
  • Major Organ Transplant
  • Loss of Speech
  • Heart Valve Replacement
  • Terminal Illness
  • Total and Permanent Disability
  • Medullary Cystic Disease
  • Bacterial Meningitis
  • Cardiomyopathy
  • Aplastic Anaemic
  • Motor Neurone Disease
  • Parkinson's Disease
  • Apallic Syndrome
  • Muscular Dystrophy
  • Surgery to Aorta
  • Multiple Sclerosis
  • Primary Pulmonary Arterial Hypertension
  • Alzheimer's Disease / Irreversible Organic Degenerative Brain Disorders
  • Systemic Lupus Erythematosus with Lupus Nephritis
  • Major Head Trauma
  • Poliomyelitis


Eligibility Insured Person
The minimum age at entry: 30 days at next birthday
The maximum age at entry: 60 years old at next birthday
Renewal age: 70 years old at next birthday

Need More Information?
If you need more information, you can call us at our Hotline number 1300-22-0007 or visit any RHB Insurance branches nearest to you (Monday to Friday during office hours).

A copy of Product Disclosure Sheet on this product can be obtained from any RHB Bank branches. This product underwritten by RHB Insurance Berhad. Terms and conditions apply.