• Cooling-off period – You may cancel your Policy Schedule by returning the Policy Schedule within fifteen(15) days after you have received the Policy Schedule. The premiums that you have paid will be refunded to you provided there is no claim incurred on the Policy Schedule.
• Claim Procedure – You must give written notice to us within fourteen(14) days after the occurrence of the incident.
• Eligibility:
– Age Limit: thirty(30) days old to twenty-three(23) years old. All ages refer to the age at 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 Malaysia My Second Home (MM2H) status.
Note: This list is non-exhaustive. Please refer to the master policy wording for the full list of terms and conditions under this product.
This product does not cover claims caused by the following events:
• Benefit E - Common Illnesses:
– Waiting Period of fourteen(14) days
• Benefit l - Loss/Damage to Gadget:
– Waiting Period of fourteen(14) days
– Natural perlis
– Wear and tear
• General Exclusions:
– War, Civil War
– Pre-existing condition (not applicable to Benefit E)
– Suicide while sane or insane
– Provoked Murder or Assault
– Any kind of racing other than on foot
– Radiation, Nuclear
– Epidemic and/or pandemic
Note: This list is non-exhaustive. Please refer to the master policy wording for the full list of terms and conditions under this product.
You may cancel your policy schedule by giving a written notice to us provided that you have not made a claim on the policy. Upon cancelation, you are entitled to a refund of the premium based on the scale of short period rates.
It is important that you inform us of any change in your contact detail/life including nomination, occupation and personal pursuits which would affect your risk profile.
