A-Plus Beyond Critical Shield is a critical illness protection plan which covers you against 75 advanced critical illness conditions, until age 80. Not only will you be covered for 75 advanced conditions under A-Plus Beyond Critical Shield (APBCS), you will also be covered for 65 early and 40 intermediate conditions under A-Plus Beyond Early Critical Shield (APBECS). When purchased together, you will get coverage from early to advanced stages of critical illnesses, for a total of 180 conditions. With the Intensive Care condition covered, we aim to futureproof your critical illness coverage by paying you the coverage amount in the event you are admitted in an authorised unit of an acute care hospital in Malaysia or Singapore with mechanical ventilation for a continuous period be it due to illness or accident. This way, you will be covered beyond the 180 conditions that have been defined. Receive a lump sum payment of 100% of your coverage amount at all stages of critical illness diagnosis including both early and intermediate discoveries. 

A-Plus Beyond Critical Shield是一种严重疾病保护计划，可覆盖高达75种严重疾病，直至80岁。不仅在A-Plus Beyond Critical Shield (APBCS)下，您将得到75种严重疾病的保障，还在A-Plus Beyond Early Critical Shield (APBECS)下可获得65种早期疾病和40种中级疾病的保障。当两者一起购买时，您将获得从早期到高级阶段的180种严重疾病的保障。我们的目标是通过覆盖重症监护病房的条件，确保您的重疾保障，无论是因疾病还是事故，在马来西亚或新加坡的授权急救医院的机械通气病房中连续住院。这样，您将获得超过180种定义的保障。无论是早期还是中期，都可以获得100%的保障金额的一次性付款，以应对所有阶段的重疾诊断。