• Cooling-off period – You may cancel your Certificate of Insurance by returning the Certificate of Insurance within fifteen (15) days after you have received the Certificate of Insurance. The premiums that you have paid will be refunded to you provided there is no claim incurred on the Certificate of Insurance.
• Claim Procedure – You must give written notice to us within fourteen (14) days after the occurrence of the accident.
• Eligibility:
– Age Limit: Thirty (30) days old to sixty-five (65) years old, renewable up to eighty (80) years old. All ages refer to the age of the Insured Person’s next birthday.
– Insured Person must be a Malaysian or foreigner who has a valid work permit, student permit, permanent resident status or MM2H status.
– Occupation class 1, 2 and 3 only.
NOTE:
• This list is non-exhaustive. Please refer to the master policy wording for the terms and conditions under this product.
• Class 1 - Person engaged in professional administrative, managerial, clerical and non- manual occupations
• Class 2 - Person engaged in work supervisory nature but not involved in manual labour
• Class 3 - Person engaged either occasionally or generally in manual work which involves the use of tools or machinery
This product does not cover death or injury caused by the following events:
• War, Civil War
• Pre-existing condition
• Suicide, Insanity
• Provoked Murder or Assault
• Any kind of racing other than on foot
• Radiation, Nuclear
NOTE: Please refer to the policy wording for full description of benefits, terms and conditions, and exclusions under the product.
You may cancel your policy by giving a written notice to us. Upon cancellation, you are entitled to certain amount of refund of the premium based on the scale of short period rates (please refer to master policy wording for the short period rates).
It is important that you inform us of any change in your contact detail/life profile including nomination, occupation and personal pursuits which would affect the risk profile. You can write or fax to us at the below address or fax number.
