Medical Insurance
Critical Illnesses - Your Question Answered

1. Who con apply?
All citizens and permanent residenls of Malaysia aged 15 days 10 60 years old con apply for this pIan.

2. Do I need to undergo medical examination?
No.

3. What is the meaning of pre-existing conditions?
Sickness, injury or disease thot exists before a policy is issued by Ihe insurer.

4. What are the exclusions?
There are very Few exclusions and they are detailed in your policy contract. In brief, pre-existing conditions, menial illness, war, AIDS, armed forces personnel, childbirth, drug abuse, and self-inflicted injuries are not covered. Please refer to the policy contract for details.

5. Is there any waiting period before the insurance cover begins?
Yes, there is a 90-day wailing period.

6. Will the premium remain constant when my age increases?
No. When you, the insured person, moves from one age group to the next, the premium role will increase or decrease accordingly.

7. What are the likely implications of switching policy from one insurer to another, or transferring from one insurance plan to another?
The pre-existing conditions and waiting period of policy will have to start afresh.

8. What are the insurer's possible actions when the policy is due for renewal?
. Renew policy without changing premium, terms and conditions.
- Renew policy with higher premium due to loss experience of policyholder.
. Decline to renew when total claim amount exceed annual limit of benefits.
The above scenarios are not exhaustive to illustrate the insurer's actions upon policy renewal date.