The process involved in underwriting critical illness insurance is similar to that for life insurance. However, a few factors, mainly those related to family history, are different.

Although the critical illness selection process may seem more rigid and cumbersome, the facts show that this perception is not really accurate.

Results: Cases Received for Selection (from January to September 2007)

Product	Accepted	Extra Prem.	Differed	Declined
Life insurance	79%	20%	2%	9%
Critical Illness Insurance(accelerated health care and harmony)	70%	12%	2%	16%