Critical Illness

	Easy Defender Critical Illness Insurance Plan
	Crisis Fighter Plus
	Crisis Ease
	Crisis Cash Advance Rider
	Crisis Cash Payment Rider

Easy Defender Critical Illness Insurance Plan
ING Easy Defender Critical Illness Insurance Plan provides you with a maximum of 3 gradually increasing Crisis Benefits1 up to age 100, offering you peace of mind for your entire life. For your added protection, the Plan also offers you Guaranteed Cash Value and a Special Bonus.
	Maximum of 3 Crisis Benefits1 up to age 100 (including 3 times Cancer claims benefit).
	The protection will be automatically upgraded to 110% and 120% of Sum Insured
	Protection against 54 Crises and 16 Special Diseases (including 6 Special Diseases specially covered for juvenile).
	The plan offers 10, 15 or 20 year premium payment term2, 3
	Life Coverage with Cash Value Assurance and Special Bonus
	Upon the payment of your first Crisis Benefit from the Basic Plan, the premium of this Rider will be waived till the expiry of the Rider.
	Receive second medical opinion service4 (provided by some of the highest ranked medical institutions in the US)
1 Only applicable to insuring both Easy Defender Critical Illness Insurance Plan and Easy Defender Multiple Benefit Rider at the same time.
2 Only applicable to insuring Easy Defender Critical Illness Insurance Plan.
3 Premium rates are not guaranteed and the Company reserves the right to review the premium rates from time to time.
4 The Second Medical Opinion Service is provided by International SOS. Details of the service and charges may be reviewed from time to time.
The features above are indicative only. Please refer to Product Brochure for details.

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Crisis Fighter Plus
Crisis Fighter Plus safeguards you and your family against a total of 54 serious diseases, and offers protection up to age 100. The plan, with its revival privilege, offers truly comprehensive coverage and helps you jump over critical health barrier.
54 Serious Diseases Covered
	Crisis Fighter Plus offers protection for a total of 44 critical illnesses and 10 special diseases.
Level Premiums with Protection Up to Age 100
	The plan offers 10, 15 or 20 - year premium terms and protects you up to age 100.
Revival Privilege
	The crisis coverage could be revived one year after diagnosis, giving you a sense of protection throughout every stage of your life.
Life Coverage with Cash Value Assurance
	Crisis Fighter Plus enhances your savings by offering you cash value in the form of non-guaranteed annual dividends and guaranteed cash values.
Second Medical Opinion Service
	You could receive second medical opinion service provided by some of the highest ranked medical institutions in the US, in case you have been diagnosed as suffering from one of the serious diseases covered.
Premium rates are not guaranteed and ING reserves the right to review the premium rates from time to time.
Revival Privilege allows the insured to revive the crisis coverage within one month after one year upon diagnosis and the insured should be aged 60 or below.
The Second Medical Opinion Service is provided by International SOS. Details of the service and charges may be reviewed from time to time.
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Crisis Ease
With only a low and level premium, Crisis Ease protects you against critical illnesses with 4 stages of protection until you reach 80 or 100 years of age.
4 stages of protection
	Stage 1 ?Protect you against 44 critical illnesses
	Stage 2 ?10 special diseases benefit releases you from sudden medical burden
	Stage 3 ?Second Medical Opinion Service gives you advice on medical treatments
	Stage 4 ?Revival Privilege allows you to revive critical illness protection after receiving a Crisis Benefit
Crisis Ease 80 or 100
We understand that people have their unique plans. Hence, you can choose your own policy term in Crisis Ease either accompanying you to age 80 or to whole life, which ends at age 100.
	Crisis Ease 80 - the above 4 stages of protection can be obtained at an even lower premium
	Crisis Ease 100 - protection will be extended to age of 100 with a terminal benefit allowing you to get back partial or full premium at surrender. You can receive a longevity gift which equals to 100% of Sum Insured (minus any claimed paid) at age of 100.
ING Life reserves the right to review the premium rates from time to time.
The benefit period will be up to maturity for Crisis Ease 80 while the benefit will end at the age of 85 of the life insured for Crisis Ease 100.
For details of the execution and exclusion of revival privilege, please refer to policy provisions.
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Crisis Cash Advance Rider
	Offers protection up to age 100.
	Provides you with broad coverage for more than 30 critical illnesses. 100% of the sum insured will be paid upon the diagnosis.
	Covers male and female crises such as Carcinoma-in-situ of Breast and Cervix Uteri, Carcinoma-in-situ of Testis, Systemic Lupus Erythematosus and Angioplasty.
	Advance payment of the basic sum insured will be payable upon diagnosis of any one of the critical illnesses by a registered medical practitioner.
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Crisis Cash Payment Rider
	Offers protection up to age 70.
	Provides you with broad coverage for more than 30 critical illnesses. 100% of the sum insured will be paid upon the diagnosis.
	Covers male and female crises such as Carcinoma-in-situ of Breast and Cervix Uteri, Carcinoma-in-situ of Testis, Systemic Lupus Erythematosus and Angioplasty.
	A lump sum cash payment will be payable upon diagnosis of any one of the critical illnesses by a registered medical practitioner.
	The basic life protection and the premium will remain unchanged after a crisis claim.

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The above information is for reference only. For a complete explanation of the terms and conditions, please refer to the policy.