Provided that during the Insurance Period and based on the Doctor’s diagnosis, the Insured is diagnosed with advanced stage cancer as set forth in the Optima Cancer Protection Policy Attachment after the Waiting Period and Survival Period, the Insurer will pay a lump sum of the Advanced Stage Cancer Benefit of 100% of Sum Assured minus the amount of the Early-Stage Cancer Benefits that has been paid (if any) and subsequently this Policy expires.

If the Insured is diagnosed with early-stage cancer during the Insurance Period, and after the Early-Stage Benefit approved, the Insurer exempts the Policyholder from liability for the next premium payment, starting from the next payment due date until the Insured passes away or the Insurance Period ends, whichever occurs first.

1. When during the Insurance Period:

(i). the Insured passes away due to any cause other than the Advanced Stage Cancer and the Early-Stage Cancer Benefit has not been paid, the Insurer will pay the Death Benefit of 100% (one hundred percent) of total premiums paid and then the policy ends; or (ii). The Insured passes away due to any cause other than the Advanced Stage Cancer and the Early-Stage Cancer Benefit has been paid, the Insurer will pay Death Benefit of 100% (one hundred percent) of total premiums paid plus premiums waived (as referred to the Waive of Premium Benefit) until the Insured passes away and subsequently the Policy expires.

2. Without prejudice to points (i) and (ii) above, if the Insured passes away during the Insurance Period due to Advanced Stage Cancer, the Insurer will pay the Advanced Stage Cancer Benefit, taking into account the exclusion provisions of the Advanced Stage Cancer Benefit.
3. Death Benefit as referred to in letter (a) point (i) and (ii) above, is not payable if the Advanced Stage Cancer Benefit payout has been satisfied.

1. No Claim Bonus is payable if the policyholder has made full premium payments, the Policy is in force and no claim has been filed during the Evaluation Period, with the following conditions:

Evaluation Period	No-Claim Bonus (% of total premium paid)
Policy Year 1 - 5	30% of total Premiums paid during the 1st - the 5th policy year
Policy Year 6 - 10	70% of total Premiums paid during the 6th – 10th policy year

2. Payment of No Bonus Claim (if any) for Policy Year 1 – 5 will be automatically made to the account by the Insurer within 6 (six) business days after the following requirements has been satisfied:
   2. The end of the Evaluation Period for Policy Year 1 – 5; and
   3. Premium payment for the next period has been received by the Insurer.
3. Payment of No Bonus Claim (if any) for Policy Year 6 – 10 will be automatically made to the account by the Insurer within 6 (six) business days after the following requirements has been satisfied:
   1. The end of the Evaluation Period for Policy Year 6 – 10; and
   2. There are no arrears on Premium payment.
4. If Insurance Benefit claim is submitted after the No Claim Bonus has been made, and the cause of such claim occurs during the Evaluation Period, the Insurance Benefit payout is minus paid No Claim bonus in said Evaluation Period.

Term and Conditions:

• Entry Age of Policyholder: 18 – 60 years old (policy holder must be the same as the Insured)
• Payment Method: monthly auto-debit from Credit Card BCA Savings and BCA Savings Account
• Answer all questions posed