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Hospitalization days will be eligible for benefits if the following conditions are met:

• The customer is hospitalized and stays continuously for at least 12 hours
• Hospitalization occurs within 30 days from the date of the accident causing injury
• Admission is medically necessary and confirmed by a physician

A treatment episode includes all hospitalizations directly related to the same illness or injury (including complications). Subsequent hospitalizations for the same illness or injury within 60 days from the most recent discharge date will be considered part of the same treatment episode.

Benefits are payable when treatment is received at legally licensed hospitals or medical facilities recognized by the government with authorization to provide inpatient or outpatient treatment. Insurance benefits do not apply to: rest or nursing homes; specialized facilities for the elderly; and facilities for alcohol, drug, or substance rehabilitation.

Yes. Customers will receive daily hospitalization allowance for inpatient treatment due to accidents, illness, or disease, according to the insurance benefits.

No. Critical Illness Insurance provides a lump-sum payment based on the medical diagnosis, and 100% of the Sum Insured is paid according to the policy benefits.

Yes. Benefits from Critical Illness Insurance are paid independently of Health Insurance or Healthcare Insurance.

Yes. With the Partial Withdrawal Savings product, customers can flexibly withdraw funds before maturity multiple times:

• Up to 5 withdrawals for savings accounts opened at branches
• Unlimited withdrawals for online savings accounts

Customers can visit any MSB branch or transaction office nationwide to request account closure.